Solutions for Fintechs

Your bridge to dollar digital currency

fintech solutions

Amplify yields on excess cash, settle payments almost instantly and adapt to fast-moving changes

Take your innovation to the next level with a partner that shares your commitment to pushing the boundaries of what’s possible. Circle is your entry point to the new world of dollar digital currency, offering unparalleled transactional speed, global interconnectivity and transparency into your cash and data flows. We securely bridge the gap between traditional banking systems and many of the world’s leading blockchains, without the volatility and many of the risks typically associated with digital currencies.

How we do it

Your free Circle Account and our leading API suite are the fastest, easiest way to access USD Coin — or USDC — the world’s most trusted dollar digital currency. All working together and enabling powerful new ways for you to optimize excess cash, speed payment flows and help future proof your business. Meet the Circle team.
usdc yield

Optimize cash & liquidity

Allocate excess funds into short-term interest rate** products that are built entirely on USDC. Funds in Circle Yield* are fully secured and overcollateralized with Bitcoin, and all collateral is kept safe with BitGo, a third-party custodian with more than 400 institutional clients, for added principal protection. Our partner is Genesis Global Capital, a full-service digital asset trading firm.****
fastest crypto payments

Reach new users with faster, cheaper transactions

Expand your reach beyond borders to the underbanked and people who prefer to transact in digital currencies. By offering your services in USDC, you are embracing a new form of money that moves just like other digital content — at the speed of the internet, and far less expensively than traditional payment systems — while retaining a stable value.
payments api

Build delightful user experiences

Create beautiful, intuitive ways for people throughout your entire ecosystem to interact with your business. Our Payments, Payouts and Accounts APIs are easy to use and customize, and you can get started right away in our sandbox testing environment.
usd coin

Trust, transparency, compliance

USDC is fully backed by cash and short-dated U.S. government obligations, so that it is always redeemable 1:1 for U.S. dollars. Each month, we publish attestation reports by Grant Thornton regarding the reserve balances backing USDC. We are also a licensed money transmitter in 46 U.S. states, plus Washington, D.C. and Puerto Rico.

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More resources for fintech leaders

See how Circle and Visa partner on crypto payments
How Maple Finance is bringing DeFi to traditional clientele
How Shiftly uses Circle APIs to manage Bitcoin arbitrage in South Africa

* 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 product offered through Circle International Bermuda Limited (“Circle Bermuda”). Circle Bermuda has entered into lending arrangements with one or more institutional borrowers.  These borrowers pledge and transfer Bitcoin into custody with a third party custodian as collateral for their USDC borrowings and Circle Yield investors benefit from a security interest in Circle Bermuda’s security interest in the pledged Bitcoin.

Circle Account and money transmission services are provided by Circle Internet Financial, LLC. Circle Internet Financial, LLC, NMLS # 1201441, is a licensed provider of money transmission services. Circle Bermuda is licensed by the Bermuda Monetary Authority and holds a Bermuda Digital Asset Business (DAB) License, No. 54786. A full list of Circle’s licenses can be found at

Circle is not a bank; your Circle Account is not a bank account, and any funds are not insured or protected by government compensation and/or regulatory protection schemes 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 Act of 1933, as amended. Neither the SEC nor any other regulatory body has approved or disapproved Circle Yield. 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. Tax may be payable on any return on and/or any increase in the value of your investment and you should seek independent advice on your taxation position. 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.