Ontop has launched a 3% APR reward program in underneath a month, powered by OpenTrade’s institutional-grade yield infrastructure. The partnership will allow Ontop’s employees worldwide to get rewards on their USD financial savings, defending their earnings in opposition to inflation and reparation threat.
The Ontop world workforce platform combines payroll, funds, and monetary companies, and the stablecoin yield infrastructure supplier OpenTrade. The corporate processed over $1 billion in payroll to 1000’s of employees worldwide throughout greater than 150 international locations in 2025. Nonetheless, regardless of that scale, consumer funds sat idle between payroll circles.
Consequently, Ontop built-in the OpenTrade yield infrastructure to supply the ~3% APR rewards program, with no materials raise. Customers can now earn rewards on their USD financial savings immediately via the platform, defending their earnings in opposition to forex devaluation no matter the place they’re on this planet.
OpenTrade COO says partnership meets Ontop ‘operationally.’
Jeff Handler, the COO at OpenTrade, claims that his firm’s potential to fulfill Ontop “operationally” with out requiring them to rebuild their infrastructure is precisely what OpenTrade was designed to do. He notes that almost all of the fintech world nonetheless runs on {dollars} in conventional financial institution accounts, transferring funds over conventional banking rails. Nonetheless, Handler argues that this shouldn’t be a barrier to entry plug-and-play institutional-grade yield.
On this regard, the pilot launched to 1,300 customers in December 2025 and crossed $1 million in user-provided funds in underneath two weeks. It has since expanded to Ontop’s full consumer base, with whole user-provided funds now exceeding $3 million.
OpenTrade additionally built-in its APIs into Ontop’s reporting system, offering the platform with real-time, every day visibility into user-provided funds and rewards efficiency. All exercise happens inside the Ontop International Account, making it the monetary residence for world employees.
Ontop Co-founder says partnership turns idle stability to actual alternative
Julian Torres, the co-founder of Ontop, emphasizes that his firm’s integration of OpenTrade is a key step in turning idle balances into actual monetary alternatives wherever on this planet. He notes that monetary methods haven’t but caught up with the way forward for work globally, however factors out that the collaboration is constructing a world workforce monetary infrastructure to assist employees receives a commission. Basically, this provides them a spot to retailer, transfer, and develop their cash via Ontop’s International Account.
Then again, the partnership introduces a brand new income layer for Ontop. Subscription-based payroll companies beforehand drove the corporate, but it surely now captures a margin on the quantities it makes accessible on OpenTrade. The transfer has enabled Ontop to diversify its mannequin right into a monetary platform, slightly than only a funds supplier, with out constructing proprietary infrastructure or incurring operational overhead.
In the meantime, the Ontop staff has disclosed that a number of fixed-term applications are presently in growth and are anticipated to launch within the coming weeks. Ontop is trying to capitalize on its partnership with OpenTrade, which Circle and a16z again.
OpenTrade has processed over $268 million in transaction quantity up to now. Its asset administration operations are overseen by 5 Sigma Finance, a UK-regulated agency managing over $6 billion for institutional purchasers.
For Ontop, activating that capital was a pure step in increasing its International Account right into a monetary working system for the worldwide workforce. Delivering this required a companion like OpenTrade, able to constructing on Ontop’s present infrastructure.
That has enabled Ontop to soak up the challenges and launch shortly. OpenTrade is offering precisely what the partnership must succeed, from authorized structuring and portfolio administration to reporting automation and a roadmap for fixed-term merchandise.