Crypto returns, without the volatility

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Circle Yield: Move your money forward

Allocate into a crypto-based investment that is fully secured by bitcoin collateral and earn higher yield compared to traditional bank rates and many fixed income markets. Circle Yield is built with USD Coin (USDC), the leading dollar digital currency.
Fiat

Fixed rates and flexible terms

Lock

Over-collateralized with bitcoin collateral

USDC

Institutional-grade

Bank

Clear regulatory framework

Fixed rates, flexible terms

Choose an option that meets your timelines, investment objectives and portfolio strategy.
6.80
%
1 month fixed rate

Fixed short term**

Retain flexibility by allocating over a shorter duration.
Rates are purely indicative and are subject to change pending availability, approval and market conditions. 
7.05
%
3 months fixed rate

Fixed short term**

Retain flexibility by allocating over a shorter duration.
Rates are purely indicative and are subject to change pending availability, approval and market conditions. 
7.30
%
6 months fixed rate

Fixed long term**

Earn higher rates by locking in funds for longer.
Rates are purely indicative and are subject to change pending availability, approval and market conditions. 
7.55
%
12 months fixed rate

Fixed long term**

Earn higher rates by locking in funds for longer.
Rates are purely indicative and are subject to change pending availability, approval and market conditions. 
Business

Designed with trusted partners

Your Bitcoin collateral is kept safe with BitGo, a custodian with more than 400 institutional clients. Our partner is Genesis Global Capital.****
USDC
Built on USDC

Transparency

& compliance

USDC is fully backed by cash and equivalents and short-duration U.S. Treasuries, 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.

How Circle Yield compares

See how Yield can fit into your plans. Our experts can help you understand more about your options.
US Treasuries
10yr corporate bond fund
Circle Yield
Other crypto lending
Collateralization
None
None
Overcollateralized
Partial to none
Return
Low
Low to medium
Medium
High
Structure
Fixed rate
Fixed or variable rate
Fixed rate
Variable rate
Principal type
US dollars
US dollars
USDC
Other crypto assets

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FAQ

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. Circle Yield product offered through Circle International Bermuda Limited (“Circle Bermuda”). Circle Bermuda has entered into lending arrangements with one or more institutional borrowers, including Genesis Global Capital, LLC****. These lenders 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 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 here and in other Circle Yield materials. Before investing, you should carefully review the risks highlighted in the risk disclosure appended to the line of credit agreement. 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.
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. A full list of Circle’s licenses can be found here.
** In the case of a Fix Term Advance, Lender does not have a repayment right for fixed rate Advances.
***Not currently available in the following U.S. states: Alaska, Minnesota, New York and Hawaii.
****Learn more about Genesis Global Capital, LLC  here.