🇺🇸 North America
Earning yield on business cash in United States
7 of the providers we track offer this to businesses registered in United States: Airwallex, Bridge, BVNK, Mercury, PayPal, Ramp, Stripe.
Airwallex Yield invests idle balances in AAA-rated J.P. Morgan money market funds. Airwallex says it is not a savings or deposit product, and returns are variable.
Low risk, not insuredMoney market fundPlatforms that issue their own stablecoin through Bridge receive the interest earned on its reserves, minus issuance fees. Bridge’s closed-loop USDB coin also earns rewards inside Bridge.
Moderate riskStablecoin reserve revenueBVNK Earn pays a return on idle stablecoin balances. BVNK does not clearly say how the return is generated; earlier versions of the product lent assets to prime brokers.
Source not disclosedSource not disclosedMercury Treasury invests idle cash in government money market funds and, since August 2026, an ultra-short bond fund. It is not FDIC insured, may lose value, and carries a 0.15–0.60% fee.
Low risk, not insuredMoney market fundModerate riskShort-term bond fundUS businesses holding PayPal USD (PYUSD) in their PayPal balance can opt in to rewards of around 3.7–4% a year, funded from the stablecoin’s reserve interest. Not available in New York.
Moderate riskStablecoin rewardsRamp Treasury pays interest on FDIC-insured cash in its business account, and offers a separate investment account in a government money market fund.
Principal insuredInsured bank depositLow risk, not insuredMoney market fundStripe Treasury gives US businesses 1% a year in credits on balances above $2,000, applied to Stripe fees. Stripe says it pays no cash interest on balances.
Low risk, not insuredCredits against feesOffer this, but not to businesses in United States: Wise Business.
Stablecoin rules in United States: The GENIUS Act (signed July 2025) created a federal licensing regime for payment stablecoins. Implementing rules are being phased in by bank and state regulators.
Stablecoins without a provider →Yield on idle cash in United States: common questions
Which providers can a business in United States use to earn yield on idle cash?
7 of the providers we track offer this to businesses registered in United States: Airwallex, Bridge, BVNK, Mercury, PayPal, Ramp, Stripe.
Are stablecoins legal in United States?
Clear rules. The GENIUS Act (signed July 2025) created a federal licensing regime for payment stablecoins. Implementing rules are being phased in by bank and state regulators.
More for businesses in United States