The global workforce platform Ontop has launched a rewards program offering its users an annual interest rate of approximately 3%, powered by OpenTrade’s yield infrastructure. Stablecoins According to details shared with Finbold on May 20, Ontop’s yield infrastructure has officially gone live. The project, which moved from integration to launch in less than a month, is now available to all Ontop users worldwide.
In 2025, Ontop processed over $1 billion in payroll for thousands of employees across more than 150 countries. Despite this massive scale, user funds remained largely idle between pay cycles.
By integrating OpenTrade’s infrastructure, Ontop enables workers to earn competitive U.S. dollar savings rewards directly through the platform, hedging against inflation, currency depreciation, and remittance risks—no matter where they are.
The pilot project surpassed $1 million in user funds in less than two weeks.
The program was initially launched in December 2025 for 1,300 users, and within less than two weeks, the funds provided by users exceeded $1 million.
Since then, the feature has been extended to all Ontop users, and the total amount of funds provided by users has now exceeded $3 million. OpenTrade has also integrated its API into Ontop’s reporting system, enabling the platform to view daily performance of funds and rewards in real time.
“Most fintech companies today still rely on U.S. dollars held in traditional bank accounts and transact through conventional banking channels, but this shouldn’t be a barrier to accessing plug-and-play institutional-grade yields. OpenTrade was designed specifically to meet Ontop’s existing operational needs without requiring them to rebuild their infrastructure.” – Jeff Handler, Chief Operating Officer, OpenTrade
This partnership brings Ontop a new revenue stream; previously, Ontop’s revenue primarily came from its subscription-based payroll services. Now, Ontop can generate profit from transactions processed through OpenTrade, diversifying its revenue model without building proprietary infrastructure or increasing operational costs.
Scheduled products are currently under development and are expected to be launched in the coming weeks.
“At Ontop, we’re building financial infrastructure for the global workforce. The future of work is global, but the financial system hasn’t caught up. Through our global accounts, we not only help workers get paid, but also provide a platform to store, transfer, and grow their funds. Our partnership with OpenTrade is a crucial step toward turning idle funds into real financial opportunities around the world.” — Julian Torres, Co-founder of Ontop
Cover image courtesy of Shutterstock.