Ontop, Opentrade offer ~3% APR on USD Global Accounts

Ontop has integrated Opentrade’s stablecoin yield infrastructure to offer roughly 3% APR on USD balances held in its Global Account. A December 2025 pilot enrolled 1,300 users and collected more than $1 million in two weeks. The rewards program expanded platform-wide and user balances now exceed $3 million.

Users earn rewards on USD funds they leave in the Global Account, which often sit idle between payroll cycles. Ontop processed more than $1 billion in payroll across 150 countries in 2025; the company reported much of those funds were unused until the new feature.

Opentrade integrated its APIs into Ontop’s reporting systems to provide real-time visibility into user balances and rewards performance. All activity remains inside the Global Account and Ontop did not rebuild internal systems to add the feature.

Ontop will earn a margin on funds allocated to Opentrade, creating a revenue stream beyond subscription payroll services. The two companies are co-developing fixed-term yield products expected to launch soon.

“Most of the fintech world still runs on dollars in traditional bank accounts that move on traditional rails, but that shouldn’t be a barrier to accessing plug-and-play institutional-grade yield,” Jeff Handler, Opentrade’s chief operating officer, said. Julian Torres, Ontop’s co-founder, added that the Global Account is meant to be a financial hub for distributed workers and gives them a place to store, move and grow money.

The program is designed to help users manage inflation, currency volatility and repatriation challenges when they receive pay in USD but live in other currencies. By earning roughly 3% APR, users can preserve purchasing power between paydays.

The integration brings stablecoin-backed yield into Ontop’s product set and reflects a trend of using payroll float as a source of yield while keeping customer funds within existing account frameworks.