Global workforce platform Ontop has launched a ~3% APR rewards program for its users, powered by yield infrastructure from OpenTrade, a stablecoin yield infrastructure provider, as per the details shared with Finbold on May 20. The program went live in under a month from integration and is now available to Ontop’s full global user base.
Ontop processed over $1 billion in payroll to thousands of workers across more than 150 countries in 2025. Despite that scale, user funds sat largely idle between payroll cycles.
By integrating OpenTrade’s infrastructure, Ontop has enabled workers to earn competitive rewards on their USD savings directly through the platform, offering a hedge against inflation, currency devaluation, and repatriation risk regardless of location.
Pilot crossed $1M in user funds in under two weeks
The program initially launched to 1,300 users in December 2025, crossing $1 million in user-provided funds in under two weeks.
It has since expanded to Ontop’s full user base, with total user-provided funds now exceeding $3 million. OpenTrade also integrated its APIs into Ontop’s reporting systems, giving the platform real-time daily visibility into funds and rewards performance.
“The majority of the fintech world still runs on dollars in traditional bank accounts that moves on traditional banking rails, but that shouldn’t be a barrier to accessing plug-and-play institutional-grade yield. Our ability to meet Ontop where they’re at operationally, without requiring them to rebuild their infrastructure, is exactly what OpenTrade was designed to do.” – Jeff Handler, COO, OpenTrade
The partnership introduces a new revenue layer for Ontop, which was previously driven by subscription-based payroll services. Ontop now captures a margin on amounts made available to OpenTrade, diversifying its model without building proprietary infrastructure or adding operational overhead.
Fixed-term products are currently in development and expected to launch in the coming weeks.
“At Ontop, we’re building the financial infrastructure for the global workforce. The future of work is global, but financial systems haven’t caught up. Through our Global Account, we’re not just helping workers get paid, we’re giving them a place to store, move, and grow their money. Our partnership with OpenTrade is a key step in turning idle balances into real financial opportunity anywhere in the world.” – Julian Torres, Co-Founder at Ontop
Featured image via Shutterstock.
