Unlock what every balance in your fintech could be earning
Customer balances, float between funding and payout, settlement capital waiting to move. OpenTrade turns the idle stablecoin balances flowing through your platform into a revenue line, white-labeled and fully liquid, with no yield infrastructure to build yourself.
Launch an earn product
Your brand, your app
A yield product on the stablecoins your customers already hold, live under your brand and inside your app
You set the terms
Configurable products, rates, and liquidity terms, set and adjusted by you
Integrate once
One API integration, one connection to our infrastructure
Support that stays on
Dedicated product, technical, and operations support through launch and beyond
When users move balances to another platform's earn product, or take matters into their own hands on-chain, the funding leaves with them. Offer institutional yield on the stablecoins they already hold, USDT, USDC, USD, and EURC, white-labeled inside your platform, so the balance stays with you.
Treasury management
Put idle balances to work
Yield generated on the stablecoin treasury sitting idle on your own balance sheet
Capital on hand
No lock-up, capital stays accessible for redeployment
High liquidity
Withdrawals processed on a best-efforts T+0 / T+1 basis, with a maximum settlement period of two business days
Protected by design
Segregated assets and institutional-grade structures across every position
Every balance that moves to a competitor for a better rate isn't just a lost customer, it's funding you now have to replace. Offer competitive returns on the USDC, USDT, USD, and EURC already sitting in customer accounts, white-labelled inside your app, so the deposit, and the funding it represents, stays on your books.
Trusted by fintechs worldwide
add more value
The balances moving through your platform are earning nothing. Put them to work.
Whether you're a neobank, payroll platform, payment service provider, or P2P app, generate real-world asset-backed yield on idle stablecoin balances, for your customers or your own treasury, without building the counterparty network, operations, or technology stack yourself.
Yield is generated on real-world assets, money market funds, short-term treasuries, and select on-chain strategies, held in structures built for institutional balance sheets. It's a revenue line backed by named, high-quality assets, not a speculative product that invites more questions than it answers.
You decide how the yield is used. On a customer earn product, choose how much to keep and how much to pass through, pricing it as a margin driver, a retention lever, or both. On your own treasury, the same return can offset operating costs, build a buffer against volatility, or simply improve cash flow, on terms you control.
Segregated accounts and a bankruptcy-remote structure mean customer protection isn't a claim you make, it's a standard built into the infrastructure from day one.
A single integration connects you to the full vault menu and institutional partner network at once. What would typically take years of licensing, asset-manager relationships, and custody build-out compresses into a launch measured in weeks, with no additional infrastructure to build as your product grows.
Product
Your brand on top. OpenTrade underneath.
Choose the product that fits your risk appetite and that of your customers, all running on the same infrastructure underneath.
Infrastructure
Trusted foundations.
Built in.
Institutional-grade infrastructure, designed in from day one.
Institutional banking and custody
A network of Tier 1 financial institutions handles custody and banking, from money market funds and short-term treasuries to private credit.
A legal framework built for protection
Segregated accounts and a bankruptcy-remote structure keep client funds individually tracked and insulated from claims outside it.
On-chain and built to audit
Built on audited smart contracts, with activity verifiable on-chain. Detailed reporting across backing assets, portfolio activity, and performance supports your own attestation and audit requirements.
why trust us
Trusted by leading fintechs and platforms
How Ontop turned idle worker balances into a new revenue line
Ontop, a global payroll and workforce platform, connected to OpenTrade so workers paid through the platform can earn on the USD balances sitting in their Global Account. It went live in under a month, with no proprietary infrastructure to build and no material operational lift, adding net interest margin as a revenue line alongside its existing model.
in user deposits captured in the first four months.
from integration to launch
FAQs
Questions, answered.
No. The earn experience is fully white-labelled and embedded into your product. Customers see one brand throughout, and you keep the full relationship and support experience. OpenTrade runs the yield infrastructure invisibly underneath.
Neither yours nor OpenTrade's. Every vault sits within a bankruptcy-remote, independently governed structure, with a security trustee holding a master interest in the collateral on behalf of clients. Assets are segregated rather than held on OpenTrade's balance sheet.
A single integration connects you to the full vault menu and institutional partner network at once. Most partners launch in weeks rather than the years a licensing, asset-manager, and custody build-out would typically take.
Full control. You choose the currencies, backing assets, liquidity profiles, and risk parameters, shaping an offering that fits your customers and commercial model, along with the economics.
Yes. The same infrastructure lets you earn on your corporate treasury and float across a range of liquidity terms, so capital keeps working without being locked away when you need it.