Ontop Uses Opentrade APIs to Turn Idle Payroll Cash Into 3% APR Rewards

Mitigating Risk for Cross-Border Workers

Ontop has rolled retired a ~3% APR rewards programme for its planetary workforce users aft integrating stablecoin yield infrastructure from Opentrade. Under the program, Ontop users gain rewards connected USD balances held successful their Global Account.

The aviator began successful December 2025 with 1,300 users and surpassed $1 cardinal successful user-provided funds successful little than 2 weeks. The programme has since expanded platform-wide, with balances present exceeding $3 million, according to the companies.

Ontop processed much than $1 cardinal successful payroll crossed 150 countries successful 2025, but overmuch of that superior sat unused betwixt wage cycles. By tapping Opentrade’s institutional‑grade yield systems, Ontop present offers workers a mode to support net against inflation, currency volatility, and repatriation risk.

Opentrade integrated its APIs straight into Ontop’s reporting stack, giving the level real-time visibility into idiosyncratic balances and rewards performance. All enactment occurs wrong the Ontop Global Account, which the institution is positioning arsenic a fiscal location for distributed workers.

“Most of the fintech satellite inactive runs connected dollars successful accepted slope accounts that determination connected accepted rails, but that shouldn’t beryllium a obstruction to accessing plug-and-play institutional-grade yield,” said Jeff Handler, COO of OpenTrade. “Our quality to conscionable Ontop wherever they’re astatine operationally, without requiring them to rebuild their infrastructure, is precisely what OpenTrade was designed to do.”

For Ontop, the concern adds a caller gross layer. The company, historically driven by subscription-based payroll services, present earns a borderline connected funds allocated to Opentrade—expanding its exemplary into a broader fiscal level without gathering caller infrastructure oregon adding operational overhead. Fixed-term products are successful improvement and expected to motorboat soon.

“At Ontop, we’re gathering the fiscal infrastructure for the planetary workforce,” said Julian Torres, Ontop’s co-founder. “The aboriginal of enactment is global, but fiscal systems haven’t caught up. Through our Global Account, we’re not conscionable helping workers get paid—we’re giving them a spot to store, move, and turn their money.”

The determination underscores a increasing inclination successful fintech: activating payroll interval arsenic a root of output and fiscal opportunity, peculiarly for workers operating crossed borders.