Ground

Neobanks and wallets can natively offer customers yield on the digital dollars they hold, either by them allocating balances to tokenized US Treasuries, private credit, and other tokenized products or letting users choose what they want to earn with. Each user gets their own account; the platform does KYC once on its side and sets its own fee. As a result, platforms can earn new revenue and keep deposits from leaving for higher-yielding alternatives. Our core funds are built for instant liquidity, so balances stay close to cash.

Cross-border payments and payout companies hold stablecoins in pre-funding and settlement wallets between transactions. Ground lets you put that idle float to work in tokenized US Treasuries built for instant liquidity, so it earns while it waits and is ready when a payout needs it. You can also build blended strategies: keep a liquid core in US Treasuries to cover payouts, and put the balance you won't need right away into higher-yield products like private credit.

In many countries, a stablecoin balance is the most practical way to hold US dollars. Local fintechs use Ground to turn those balances into a savings product backed by tokenized US Treasuries, with optional local-currency government bonds such as Mexican CETES. Their users get a dollar return in the app they already use, and the platform gets a sticky savings feature without building fund access or onboarding with each issuer.

Businesses that hold stablecoins for operations, such as exporters, marketplaces, and payroll platforms, use Ground to earn on balances they don't need today. They get access to tokenized US Treasuries and money market exposure with per-account reporting and an audit trail, while keeping fast access for payments.