OpenTrade

OpenTrade’s Yield-as-a-Service solution had been included in an in-depth comparison report published earlier this week by the Crypto Daily, focusing on how YaaS offerings compare to the various tokenised funds currently available in the market. The article navigates through a number of characteristics of the models, such as barriers to entry and total annualised yield earnt by users. However, it is important to note that whilst OpenTrade offers stablecoin yield products 𝗯𝗮𝗰𝗸𝗲𝗱 by real-world assets, it does not bring these assets on-chain, as tokenised funds do. Clients can therefore benefit from stable, predictable yield, without holding traditional financial instruments or their representations, on- or off-chain. “OpenTrade's Stablecoin Yield-as-a-Service is offered to institutions, including both crypto and non-crypto native firms, who in turn package them as products for retail investors. Its main customers are neobanks and crypto exchanges, who provide a range of applications and services for stablecoin holders to earn yield on their holdings, with simple one-click access and support for various risk profiles.” Read more using the link provided in the comments.

Chainalysis: Exploring Crypto’s Most Popular Asset OpenTrade, as many other crypto-native institutions and businesses do, leverages Chainalysis' tools and blockchain data to enhance security measures and ensure compliance with financial crime regulations. In a recent report, Chainalysis shared their latest insights on stablecoin activity, growth, and regulation. With a unique ability to attribute statistically significant volumes of on-chain activity to specific regions, Chainalysis has successfully quantified the growing rates of stablecoin adoption that can be attributed to certain use cases. 𝗪𝗵𝘆 𝗶𝘀 𝘁𝗵𝗶𝘀 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁? ↘️  Since most blockchain users are, by default, pseudonymous, there is typically no information on the user’s identity or location available to the public for granular analysis of activity patterns and behaviours in the context of macro- and micro- economic factors over time. Therefore, whilst the growth of stablecoin adoption is very visible on an aggregate basis, it can be difficult to validate regional market penetration of stablecoins or the success of their individual use cases. We are therefore delighted to see over 40% 𝗬𝗼𝗬 growth in sub-$1m stablecoin transactions in both Sub-Saharan Africa and LatAm - data supporting the thesis that businesses and individuals alike are actively moving on-chain in pursuance of stable, accessible currencies, likely as a hedge against inflation and currency devaluation that persist in these regions. By powering stablecoin yield products and working with local partners like Littio to enable their users to earn dollar-denominated yield, OpenTrade seeks to further contribute to the positive impacts of stablecoin accessibility within these emerging and developing economies. To see more insights from the report, link provided in the comments.

Stablecoin Spotlight: a16z crypto releases State of Crypto Report 2024 Stablecoins have emerged as one of the most impactful innovations in the crypto space, offering fast, affordable, and global payment solutions that go far beyond trading. They have found a clear product-market fit by enabling seamless transactions at a fraction of the cost of traditional methods. The report notes that stablecoin transactions on Ethereum now cost just $1 on average, compared to $12 in 2021. Furthermore, many OpenTrade clients opt to launch their own stablecoin yield products on Avalanche, with even lower gas fees - dramatically cheaper than the $44 average for international wire transfers. In the second quarter of 2024, stablecoins processed $8.5 trillion in transaction volume, more than double the $3.9 trillion handled by Visa in the same period. This is a remarkable indicator of their growing utility in global payments. Even as the volatility of crypto markets persists, stablecoin usage continues to rise. The number of active addresses sending stablecoins has steadily increased, showing that individuals and institutions are using them for more than just speculative trading - something we can attest to first hand, having witnessed the variety of stablecoin use cases employed by our client base. OpenTrade is well equipped to scale support for the growing number of neobanks and fintechs building on stablecoins in 2025 and beyond, empowering them to offer stable, reliable yield products to their end users through our composable suite of products. For more insights from a16z crypto in their report - linked in the comments below.

InvestaX Earn ✅ Seamless, secure, and compliant process Powered by OpenTrade 🚀

OpenTrade was recently featured in an article published by the The Crypto Times, comparing our stablecoin Yield-as-a-Service model to yield-bearing stablecoins currently available in the market. As the writers correctly identified, OpenTrade is the only provider of end-to-end stablecoin yield products that can be entirely white labelled and integrated into client platforms (e.g. centralized exchanges, neobanks, and anyone offering stablecoin accounts), so that they can in turn offer their own Earn/Yield products to their users, allowing them to earn 4-7% on their stablecoins through a one-click experience, entirely backed by high-quality 'real-world' financial assets. “OpenTrade’s Stablecoin Yield-as-a-Service is targeted at every kind of financial institution, including crypto and non-crypto providers, enabling them to offer stable, predictable yield on USDC through their own individual user-facing apps and services” This is fundamentally distinct from yield-bearing stablecoins, which do not equip fintechs with the tools required to build and power yield products under their own brand and customer experience. For further insights from the Crypto Times team - link to the article provided in the comments.

𝗔 𝗗𝗲𝗰𝗮𝗱𝗲 𝗼𝗳 𝗦𝘁𝗮𝗯𝗹𝗲𝗰𝗼𝗶𝗻𝘀  2024 marks a milestone: 10 years of stablecoins, the digital currency that fuses the transparency and speed of blockchain with the reliability of fiat currencies. In just a decade, stablecoins have evolved from innovation to infrastructure, becoming the world’s “𝗱𝗶𝗴𝗶𝘁𝗮𝗹 𝗱𝗼𝗹𝗹𝗮𝗿𝘀”—powering trillions in transactions annually and boasting a $190+ billion market cap as of December 2024. Stablecoins are more than just a technological leap; they’re a financial game-changer. For businesses, they unlock global money movement at internet speed, settling payments securely and instantly, 24/7/365. For individuals, they bridge gaps in traditional systems, offering stability in volatile economies and seamless cross-border transactions. Governments and regulators are catching up, with Europe leading the charge through 𝗰𝗼𝗺𝗽𝗿𝗲𝗵𝗲𝗻𝘀𝗶𝘃𝗲 𝗳𝗿𝗮𝗺𝗲𝘄𝗼𝗿𝗸𝘀 for digital assets (MiCA). The potential is massive, but what’s the real economic impact? To answer this, the Centre for Economics and Business Research (Cebr) quantifies the efficiency gains stablecoins bring. BVNK’s report highlights three key areas: 1️⃣ Mitigating currency volatility, offering businesses and individuals protection against currency devaluation 2️⃣ Bridging the dollar gap - fulfilling a global demand for a stable, accessible currency - albeit at a premium in emerging economies 3️⃣ Releasing capital trapped in legacy payments systems through instantaneous settlement, enhancing capital efficiency This research, enriched by insights from industry leaders like Circle, FirstDigital Telecom, Chainalysis, and Visa, offers a new lens on the transformative power of stablecoins and wealth of future opportunities. Link to the report provided in the comments.

Stablecoins are changing the financial landscape, offering a frictionless, zero-volatility medium of exchange that addresses many challenges faced by traditional financial rails. With a market cap growth of almost 14% in just the past month, reaching nearly $190B (source: Artemis), stablecoins are becoming the backbone of a new global financial system 𝗥𝗲𝗮𝗹-𝘄𝗼𝗿𝗹𝗱 𝗮𝗽𝗽𝗹𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀 𝗱𝗿𝗶𝘃𝗶𝗻𝗴 𝘁𝗵𝗶𝘀 𝘁𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻: Airtm: Uses USDC to save businesses 35% on cross-border payroll payout costs, with the ability to seamlessly convert to local currencies Reap: Provides access to Visa corporate credit cards for businesses without bank accounts, empowering underserved businesses with instant global USDC transactions Félix: Uses USDC to speed up transfers and cut remittance fees by 40%, through a highly accessible WhatsApp-based solution Lemon: Helps 2.2M+ Argentinians fight inflation and currency devaluation by converting paychecks to USDC, spendable through prepaid Visa cards. However, a key component has been missing across payments and remittance stablecoin use cases—the ability to deliver safe, reliable, and predictable returns on stablecoin holdings At OpenTrade, we built the infrastructure to make this possible. Our platform powers secure, compliant stablecoin yield products for Web2 and Web3 fintechs, offering: ✅ Superior risk-adjusted returns of 3.2%–7.0%, backed by real-world assets held in bankruptcy-remote accounts at Tier 1 financial institutions ✅ Immediate interest accrual with no minimum deposit and same-day withdrawals ✅ A fully integrated, composable, end-to-end solution accessible via the Web App, API, or directly on-chain

Stablecoins, like USDC, are changing the way we transact—offering a stable, secure, and efficient alternative to traditional payment systems. With over $175B in circulation and $11.1T in transaction volume, they're now rivaling networks like Visa and Mastercard. Adoption is skyrocketing, particularly in regions like Latin America, where 33% of individuals have used stablecoins for everyday purchases At OpenTrade, we’ve built a platform that empowers FinTech companies to seamlessly integrate stablecoin yield products into their user journeys. With bank-grade off-chain asset management and a robust, embedded solution, we’re making it easier than ever to unlock the potential of stablecoins for businesses and consumers alike “Stablecoins play a critical role in the crypto ecosystem, bridging that gap between digital assets and traditional finance. As the crypto ecosystem continues to mature, our technology empowers fintechs and exchanges to offer stablecoin yield products that are seamlessly integrated, safe and fast, matching high demand levels.” David Sutter, OpenTrade CEO To learn more about OpenTrade and our recent seed extension round lead by AlbionVC, see our latest blogpost - link provided in the comments below.

“Stablecoin yield products are in high demand right now, but many businesses don’t know where to start in terms of building their own offering. That’s the gap in the market filled by OpenTrade who are building a core piece of infrastructure, offering a seamless and safe solution for partners to build and operate their own leading stablecoin yield products. I’m excited to work closely with David and the team on the next stage of their journey.” Jay Wilson, Partner at AlbionVC To learn more about our extension Seed round and why Albion invested in OpenTrade, see the latest blog from Albion - link provided in the comments.

Very happy to announce the closing of a $4M priced equity round led by AlbionVC with participation from existing investors a16z crypto CSX and CMCC Global. This brings our total seed funding this year to $7.2M. I'm also honoured to have Jay Wilson and Shiau Sin YEN joining the board of directors. Both bring a wealth of experience to our team. The announcement is timely. Stablecoin market cap has reached an all-time high today of over $190B. Stablecoin transaction volumes more than doubled that of Visa in the first half of 2024. And they are increasingly not just a crypto product for crypto users. Over 1/3 of consumers in Latin America have made a purchase using a stablecoin. That is ASTOUNDING. It's clear that the next generation of financial services and markets will be built on internet-native, permissionless digital dollars (i.e. stablecoins). I expect the market cap to reach several trillion by 2030. Our role at OpenTrade is to build critical components for this burgeoning ecosystem; stable, secure, compliant stablecoin lending and yield products that can be embedded directly in the digital wallets and apps businesses and individuals use to manage their financial lives. Over the past year we have seen our business perform very well and expect to see that accelerate in 2025. Almost weekly now, new customers and partners of OpenTrade products are being launched. Whether we’re powering USD and EUR savings products for hundreds of thousands of consumers in Colombia via our partnership with Littio, enabling compliant retail access to the risk free rate through our partnership with WOO X, powering institutional yield products for investors in the EU and APAC through our partnerships with SCRYPT, Trakx, and InvestaX, it’s all part of the same mission, the same mega trend, the same future. Q2 and Q3 were our first two quarters in full production. Over that time we’ve grown total outstanding loan principal over 100% and have processed over $100M in transaction volumes. Customers report that they love the product and their usage is growing. The pipeline has more than doubled and its growth rate is accelerating as we’ve gone from pure founder led sales to a growing team of rock stars. We've also launched several new products and support for a new network ( Avalanche). The platform continues to function extremely well, with zero major production incidents, withdrawal times averaging less than 24 hrs and most processed same day, and more and more customers fully integrating via our improved API.  Our network of financial counterparties continues to grow; we are now in production with some of the largest Financial Institutions in the world, enabling us to offer same day liquidity, access a huge range of off-chain assets to expand our product suite, and build trust and credibility with customers. Needless to say, the future is extremely bright.