Circle Yield: An Institutional-Grade Investment in Crypto Capital Markets

Circle Yield: An Institutional-Grade Investment in Crypto Capital Markets

Rachel Mayer Rachel Mayer November 3, 2021

When managing funds, new markets can offer enticing investment opportunities in innovative technology like blockchains and cryptocurrency. But emerging asset classes carry additional risk and can be difficult to trade, purchase and secure, creating challenges for managed funds and other asset managers. Circle Yield taps into crypto capital markets to offer exposure to the emerging digital asset economy, while providing industry-leading service and security alongside superior returns for qualified institutional investors. 

Circle Yield lends USD Coin (USDC) contributed by investors to institutional borrowers aiming to invest in cryptocurrencies, where traditional financial institutions can be reluctant to make loans. High demand for dollar digital currencies in expanding crypto markets is also supported by capabilities like low-cost international payments and 24/7 availability, allowing users to send value almost anywhere in the world, at almost any time.

Circle Yield* investments are overcollateralized assets held by BitGo, a digital asset custodian with more than 400 institutional clients. Fixed-rate loans can be tendered for terms ranging from one to twelve months, with interest** compounded daily and paid monthly for the term of the loan, making it easy to forecast income while avoiding the volatility normally associated with crypto-related investments. Circle Yield customers also gain access to white-glove service to ensure a smooth and timely onboarding process and assistance with any issues or questions that may arise.

Circle Yield is currently available to accredited businesses in the US and Switzerland, with additional jurisdictions around the world coming soon***. Ready to get started investing in crypto markets? Learn more about Circle Yield today.

*Offering subject to business approval, geographical availability***, and regulatory authorization, and there is no guarantee that the product will become available in a specific timeframe or to a specific customer or geography. Circle Yield offered by Circle International Bermuda Limited (“Circle Bermuda”).

Circle Account and money transmission services are provided by Circle Internet Financial, LLC or, for customers using Circle Account services located in the United Kingdom, Circle UK Trading Company Limited. Circle Internet Financial, LLC, NMLS # 1201441, is a licensed provider of money transmission services. Circle Payments, LLC, DFPI Money Transmitter License # 2549, is registered under the California Department of Financial Protection & Innovation. A full list of Circle’s licenses can be found here

Circle is not a bank; your Circle Account is not a bank account, and any funds are not insured by the Federal Deposit Insurance Corporation, the Securities Investor Protection Corporation or by any US or foreign government agency, insurance fund, person or entity. For investors in the United States, investments described in this communication are offered by Circle Bermuda to “accredited investors” only in accordance with Regulation D, Rule 506(c) of the Securities Action of 1933, as amended. While Circle Bermuda is regulated by the Bermuda Monetary Authority for digital asset business, Circle Bermuda is not engaged in banking and deposit taking activities and is not regulated for these purposes. You should carefully conduct your own investigations and analyses in connection with any participation in this product, including its objectives, risk factors, fees and expenses and the information set forth in these materials. All prospective participants in the products described herein are advised to consult with their legal, accounting and tax advisers regarding any potential participation. Please read the offering documents carefully before you invest. Additional information is available upon request. 

**Rates are purely indicative and are subject to change pending availability, approval and market conditions. Withdrawal requests for fixed term accounts could take up to 72 hours in high withdrawal periods and will be subject to an early withdrawal penalty. 

*** Not currently available in the following U.S. states: Alaska, Minnesota, New York and Hawaii.

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