Ontop Makes use of Opentrade APIs to Flip Idle Payroll Money Into 3% APR Rewards

Mitigating Danger for Cross-Border Staff

Ontop has rolled out a ~3% APR rewards program for its world workforce customers after integrating stablecoin yield infrastructure from Opentrade. Beneath this system, Ontop customers earn rewards on USD balances held of their International Account.

The pilot started in December 2025 with 1,300 customers and surpassed $1 million in user-provided funds in lower than two weeks. This system has since expanded platform-wide, with balances now exceeding $3 million, in keeping with the businesses.

Ontop processed greater than $1 billion in payroll throughout 150 international locations in 2025, however a lot of that capital sat unused between pay cycles. By tapping Opentrade’s institutional‑grade yield methods, Ontop now gives staff a solution to defend earnings towards inflation, forex volatility, and repatriation threat.

Opentrade built-in its APIs straight into Ontop’s reporting stack, giving the platform real-time visibility into person balances and rewards efficiency. All exercise happens inside the Ontop International Account, which the corporate is positioning as a monetary house for distributed staff.

“A lot of the fintech world nonetheless runs on {dollars} in conventional financial institution accounts that transfer on conventional rails, however that shouldn’t be a barrier to accessing plug-and-play institutional-grade yield,” stated Jeff Handler, COO of OpenTrade. “Our capability to satisfy Ontop the place they’re at operationally, with out requiring them to rebuild their infrastructure, is strictly what OpenTrade was designed to do.”

For Ontop, the partnership provides a brand new income layer. The corporate, traditionally pushed by subscription-based payroll companies, now earns a margin on funds allotted to Opentrade—increasing its mannequin right into a broader monetary platform with out constructing new infrastructure or including operational overhead. Fastened-term merchandise are in growth and anticipated to launch quickly.

“At Ontop, we’re constructing the monetary infrastructure for the worldwide workforce,” stated Julian Torres, Ontop’s co-founder. “The way forward for work is world, however monetary methods haven’t caught up. Via our International Account, we’re not simply serving to staff receives a commission—we’re giving them a spot to retailer, transfer, and develop their cash.”

The transfer underscores a rising development in fintech: activating payroll float as a supply of yield and monetary alternative, significantly for staff working throughout borders.