Stablecoins are changing cross-border payments and giving millions of people around the world access to digital dollars. But when it comes to earning yield on those stablecoins, safely, transparently, and at scale, the ecosystem remains fragmented and full of friction.

At OpenTrade, we’re building the infrastructure to unlock the next chapter of stablecoin utility: powering real, sustainable growth in emerging markets and beyond. Here are five critical problems we’re solving, and why they matter for fintechs, institutions, and the future of decentralised finance.

1. Trapped Liquidity in Emerging Markets

Every month, millions of dollars in stablecoins flow into wallets, mobile apps, and neobanks across Latin America, Africa, and Southeast Asia. These inflows represent trust in stable digital dollars and a demand for dollar-denominated value storage, but much of this capital ends up idle.

OpenTrade changes that. We enable fintechs in emerging markets to offer compliant, institutional-grade yield products directly to their users, without needing to become a bank, apply for expensive licenses, or build complex infrastructure from scratch.

By unlocking this capital, we’re helping fintechs offer better products, improve retention, and turn passive balances into active growth engines.

Source: Chanalysis: Latin America saw 42.5% YoY crypto growth between 2022 and 2024, led by dynamic markets in Venezuela, Argentina, and Brazil.

2. Lack of Safe, Transparent Yield Options

DeFi promised high returns but delivered volatility, risk, and opaque mechanisms. Traditional finance (TradFi) offers safer yields, but only to those with direct access to institutional investment platforms.

OpenTrade bridges the gap. We bring tokenised, on-chain access to high-quality, real-world assets like:

• U.S. Treasuries

• Commercial paper

• Trade finance instruments

Source: RWA.xyz/RedStone - Institutions projecting are trillions in assets moving on-chain by the next decade.

All of our products are built with full on-chain transparency, automated smart contract settlement, and institutional-grade custody and reporting. That means users can earn yield in a safe, visible, and reliable way, without sacrificing the benefits of decentralisation.

3. Complexity for Fintechs to Launch Investment Products

Offering yield products isn’t just about plugging into an API or launching a new screen in an app. It requires:

• Building compliant investment infrastructure

• Managing legal, operational, and credit risk

• Handling custody, settlement, and user reporting

• Navigating integrations across blockchains, custodians, and counterparties

For most fintechs, this is a multi-year effort that distracts from core product development.

OpenTrade simplifies the process. Our plug-and-play infrastructure enables fintechs to launch stablecoin investment features in weeks, not years. With pre-built compliance, custody, and yield integrations, partners can focus on growth and user experience, while we handle the heavy lifting behind the scenes.

4. Fragmented Legal and Regulatory Frameworks

The intersection of stablecoins, on-chain assets, and cross-border flows is where regulation becomes complex. Fintechs and institutions face a minefield of legal uncertainties, conflicting frameworks, and jurisdictional risk.

OpenTrade solves this with a standardised legal and operational wrapper around every product we offer. From structured credit to tokenised government securities, we ensure that each yield product meets the highest standards of compliance and operational rigor.

That means our partners can grow with confidence, knowing the foundation is built to last, not just to ship.

5. No Institutional Pathway to Real-World Yield

Institutions want exposure to real-world assets on-chain, but they need more than a token. They need:

• Audited products

• Smart contract-based settlement

• Qualified custody

• Institutional underwriting and reporting

• Regulatory clarity

OpenTrade delivers exactly that. Whether it’s a fintech offering yield to its users, or a fund allocating to stablecoin products, our infrastructure ensures risk is managed, capital is protected, and everything works as expected.

We combine smart contracts, custody solutions, underwriting, and transparency into one unified stack, so institutions can allocate with confidence.

From Stablecoin to Safe Yield to Global Growth

OpenTrade is building the connective tissue between stablecoins and the real economy.

Our platform makes it possible to go from stablecoin to safe yield to emerging market growth in one seamless flow. Whether you’re a fintech embedding new features or an institution deploying capital into tokenised assets, OpenTrade offers a compliant, scalable path to sustainable yield.