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High yield digital dollar accounts

Talk with us to explore short and longer term high yield interest rate accounts built entirely on USDC so you are first in line when the service becomes available.
5.00
%
1 month fixed rate

Fixed short term

Fixed short term

Gain flexibility by locking funds for shorter periods of time without sacrificing higher rates.**
5.75
%
3 months fixed rate

Fixed short term

Fixed short term

Gain flexibility by locking funds for shorter periods of time without sacrificing higher rates.**
6.25
%
6 months fixed rate

Fixed long term

Fixed long term

Don’t need funds for a while? Earn higher rates by locking treasury reserves for longer periods of time.
7.00
%
12 months fixed rate

Fixed long term

Fixed long term

Don’t need funds for a while? Earn higher rates by locking treasury reserves for longer periods of time.
Set the term you want and earn higher rates.
Interest payments paid out monthly and accrue daily**.
Now available to businesses located in the U.S. and Switzerland with more countries on the way.***

FAQ

Is interest paid out in USDC?

All interest is deposited in your Circle Account as USDC

Why do interest rates change?

We update our rates on a weekly basis. These rates change depending on market demand for USDC loans.

Will my rate change during the term?

Once you’ve locked your term, your rate won’t change during the duration of the term.

Can I withdraw my funds early?

No, we don’t allow early withdrawal of funds at this time.***** Currently, our minimum term is 1 month.

How are my funds protected?

The value of protection against Genesis’ portfolio includes collateral, loan loss reserves and equity, and is always mandated to exceed the value of their outstanding loans. In addition, Circle holds 75% of our entire exposure in Bitcoin Collateral on the Circle balance sheet in a segregated account.
 

Powered by crypto asset markets

Yield is generated by lending your digital dollars to a network of institutional counterparties that are willing to pay an interest rate for access to additional capital. We are starting our yield generation offering with Genesis Global Capital***, one of the largest lending firms in today’s market. Read more about Genesis.

High yield savings accounts

Allow your customers to get more for their money and idle cash by embedding high yield digital dollar accounts into your product through our APIs.

Corporate treasury

Traditional dollar capital markets are evolving to include stablecoins like USDC. Businesses can access these growing digital dollar markets from almost anywhere in the world* by opening up a Circle Account, converting cash into USDC and moving it into yield-generating accounts.

Join the waitlist now.

DISCLOSURES

*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. Service offered through Circle International Bermuda Limited. It is anticipated that Circle International Bermuda Limited will enter into lending arrangements with one or more institutional borrowers, including Genesis Global Capital, LLC. 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. 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.
***Learn more about Genesis Global Capital, LLC here and read more about Genesis’ Q3 2020 results.
 
****Customer-facing offering subject to regulatory requirements and business account approval. Please contact Circle to discuss eligibility.
 
*****Early withdrawal of funds are allowed in certain, limited circumstances and, in all circumstances, are subject to an early withdrawal penalty in the amount of the principal paid minus double the amount of the non-accrued interest.