Stablecoin yield for neobanks and fintech apps
Pay your customers a return on USDC and USDT balances from vaults that hold tokenized T-bills, credit or lending, under your own brand and app.
What fintech teams ask before adding Earn
Can we offer yield without DeFi exposure?
Yes. A vault can hold only tokenized Treasury bill and money market funds, and the policy engine enforces that mandate onchain.
Can balances stay in stablecoins?
Deposits stay in USDC or USDT the whole time and earn a 24/7 T-bill rate, with no off-ramp to fiat.
Can we pay different rates by tier?
Yes, by risk band or by balance and plan. The tiered rates guide covers who funds each design.
We can't pool every customer together.
Separate vaults can be set up per customer group or tier, each with its own mandate and records.
Will it carry our brand?
Yes. Vault-as-a-Service runs any vault under your name, in your app through the SDK or on a branded page Upshift hosts.
Tria runs Earn for users in 150+ countries
Tria, a crypto neobank, built on the Upshift SDK and launched BTC and stablecoin Earn in January 2026. Users deposit from their own smart account without leaving the app.
Build it yourself, or let Upshift build it for you
| Building it yourself | With Upshift | |
| Yield source | Open bank or broker accounts and run the swaps | Tokenized T-bills, credit or lending, held in stablecoins |
| Contracts | Build and audit vault contracts | Live contracts with 11 audits by 6 firms |
| Strategy | Hire a treasury desk | Professional curators run each vault inside a mandate you approve |
| Tiers | Build rate logic and records | Separate vaults per band, or one vault with tiers on top |
| Withdrawals | Manage settlement windows yourself | A liquid buffer pays normal withdrawals straight away |
| Brand | Build the product from scratch | Runs under your name and in your app, on Upshift's contracts |
From first call to live Earn
- 1
Pick the menu
Choose bands from the yield options: a 24/7 T-bill rate, diversified lending and credit, or higher-yield strategies.
- 2
Review
Your compliance team works through the data room, audit reports and DDQ answers.
- 3
Integrate
Add Earn to your app with the SDK, or use a branded page Upshift hosts.
- 4
Launch
Customers deposit and withdraw in stablecoins. Positions and NAV are readable onchain.
Further reading
See the Tria case study, how fintechs offer stablecoin yield or the USDC yield guide.
FAQs
Can a neobank earn yield on stablecoins without DeFi?
Yes. A vault can hold only tokenized Treasury bill and money market funds, with the mandate enforced onchain, and the return tracks short-dated government rates less fees.
Is Upshift custodial?
Upshift vaults are non-custodial. Customers hold a receipt token and redeem at NAV under each vault's published withdrawal terms. Curators can only move funds between whitelisted protocols.
Can we set different rates for different customers?
Yes, either with separate vaults per risk band or with one vault and a tiered platform fee or top-up on top.
Are the yields guaranteed?
No. Vault rates float with market conditions and are shown on each vault page.
How long does a launch take?
Tria went live two weeks after starting its SDK integration. After that, the timeline is your own compliance review and the vaults you pick.
