$10M+
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 global workforce platform combining payroll, payments, and financial services. In 2025, Ontop processed over $1B in payroll to more than 17,000 workers 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 rewards program and 7-10% APR fixed-term program in under a month, with no material operational lift. The integration enables workers paid through Ontop to get rewards on their USD balances directly within the Ontop Global Account, all without leaving the platform.
For contractors 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 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 reward products 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. Through our Global Account, we’re not just helping workers get paid, we're giving them a place to store, move, and grow their money. Our partnership with OpenTrade is a key step in turning idle balances into real financial opportunities anywhere in the world.
Julian Torres
Co-Founder at Ontop
Ontop needed a partner that could:
Accept fiat-denominated deposits from users without requiring a migration to stablecoin infrastructure
Launch a rewards product quickly, without significant internal development or operational overhead
Offer competitive, risk-adjusted rewards backed by high-quality assets
Provide institutional-grade reporting so Ontop could track user-provided funds and net interest margin on a daily basis
Scale into fixed-term products for high-net-worth users seeking higher rewards
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-provided funds activity and rewards from day one.
Stable, predictable rewards 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 a reward program to a subset of its user base in December 2025, crossing $1M in user-provided funds in less than two weeks. The pilot has since expanded to Ontop's full user base, with over $10M in user-provided funds captured to date. All activity is embedded within the Ontop Global Account, reinforcing its role as the financial home for global workers.
By partnering with OpenTrade, Ontop diversified its revenue model from transaction-based subscriptions to net interest margin on a growing rewards program, without investing in proprietary technology or operational headcount.
Contractors hired through Ontop now have access to USD-denominated reward program 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 rewards program provider, with API integration embedded directly into Ontop's reporting systems to reduce operational friction and support long-term growth.
