$3M+
in deposits captured within weeks of launch
3%
APR liquid yield offered to Ontop users
Under 1 month
from integration to launch
Company
Ontop is a comprehensive payroll and workforce management platform built for distributed teams. In 2025, Ontop processed over $1B in payroll to more than 1,700 employees and contractors across 150+ countries, simplifying hiring, payments, and financial operations for global businesses.
Headquarters
Latin America & USA
Industry
Neobanks & Fintechs
Products used
USD Yield, Prime+ Vault, Stablecoin Staking Yield
Through its partnership with OpenTrade, Ontop launched 3% APR yield on liquid deposits and 7-10% APR fixed-term savings accounts in under a month, with no material operational lift. The integration allows employees and contractors paid through Ontop to earn competitive returns on their USD balances, seamlessly and without leaving the platform.
For contractors and employees working across emerging markets, getting paid in USD is only half the equation. What happens to those dollars after payday often matters just as much. Without access to savings products that actually put those balances to work, workers are left holding idle USD with no path to meaningful returns.
Ontop had already built a best-in-class payroll platform. But offering a savings product was a different challenge entirely. Building proprietary yield infrastructure was neither fast nor practical, and most yield solutions on the market required clients to already be operating on stablecoin rails. Ontop's infrastructure was fiat-based, and any yield partner would need to meet them where they were.
Without a solution that could accommodate fiat-denominated deposits, the product simply would not have been possible.
At Ontop, we’re building the financial infrastructure for the global workforce. The future of work is global, but financial systems haven’t caught up—our partnership with OpenTrade allows us to change that, turning idle balances into real financial opportunity for workers anywhere in the world.
Julian Torres
Co-Founder at Ontop
Ontop needed a yield partner that could:
Accept fiat-denominated deposits from users without requiring a migration to stablecoin infrastructure
Launch a liquid savings product quickly without significant internal development or operational overhead
Offer competitive, risk-adjusted returns backed by high-quality assets
Provide institutional-grade reporting so Ontop could track user deposits and net interest margin on a daily basis
Scale into fixed-term savings products for high-net-worth users seeking higher yield
OpenTrade had already enabled fiat-compatible vault operations ahead of this partnership, making the integration possible without Ontop rebuilding its infrastructure. OpenTrade also worked closely with Ontop's team to automate daily reporting, giving full visibility into user deposit activity and earnings from day one.
Stable, predictable returns on USD balances backed by high-quality real-world assets, not correlated to digital asset price movements
Fiat-compatible vault operations, removing the need for Ontop to transition to stablecoin rails before launch
Seamless API integration with automated daily reporting, giving Ontop real-time visibility into deposits and net interest margin
Fixed-term CD vaults in development for high-net-worth users seeking higher yield tiers, with OpenTrade managing portfolio risk directly
Ontop launched its liquid savings product to a subset of its user base in December 2025, crossing $1M in deposits in less than two weeks. The pilot has since expanded to Ontop's full user base, with over $3M in deposits captured to date.
By partnering with OpenTrade, Ontop diversified its revenue model from transaction-based subscriptions to net interest margin on a growing depositary base, without investing in proprietary technology or operational headcount.
Employees and contractors hired through Ontop now have access to USD-denominated savings options that protect their earnings from inflation, devaluation, and repatriation risk, no matter where they are in the world. Fixed-term CD vaults for high-net-worth users are in active development, with OpenTrade managing portfolio risk directly to enable faster, simpler product launches.
OpenTrade serves as Ontop's sole yield provider, with API integration embedded directly into Ontop's reporting systems to reduce operational friction and support long-term growth.
