Launch Yield With flexibility
Embedded via API, UI, or
Smart Contrarct
No lockups, daily yield,
no infrastructure burden
Risk-managed yield, regulatory ready
Custodial and
non-custodial support
Custumizable Yield Solutions
LOW
RISK RETURN SPECTRUM
HIGH
Capital
Preservation
Market-Neutral
Stablecoin Lending
Balanced
Yield
Risk-adjusted DeFi/CeFi Blend
Enhanced Yield
Directional
Hedged Exposure
Alpha Strategies
Opportunity-driven
High APY potential
The multi manager multi
strategy advantage
Multi-Strategy
Yield Platform
At our core we operate like a hedge fund-of-funds, allocating capital across diverse strategies that are actively managed and risk-mitigated.
Institutional- Grade Returns
Get access to hedge fund-sophisticated strategies normally reserved for institutional investors. Get the benefit of risk managed yields with low volatility across diverse markets.
Daily
Accessibility
Yield-as-a-Service is a fintech native solution that abstracts institutional complexity into a daily yield product with no lockups, ho minimums, and no infrastructure burden.
Put Your Stablecoins to Work -
USDT and USDC Yield
Stablecoins represent over $130 billion in global circulating supply, yet the majority remain idle—sitting in wallets, exchanges, and payment platforms without generating value.
This untapped capital presents a massive opportunity for financial platforms and fintech operators.
Learn More
In emerging markets, stablecoins like USDC and USDT are essential for remittances, commerce, and savings—often used in place of unstable local currencies. Likewise, payment service providers and cross-border platforms rely on stablecoins for speed, transparency, and cost-efficiency.
Coinchange transforms this idle capital into productive infrastructure, enabling daily blockchain-based rewards through diversified, automated strategies—without long-term lockups or loss of control.
Talk to an Earn consultant
Put Your Stablecoins to Work - USDT and USDC Yield
Stablecoins represent over $280 billion in global circulating supply as of 2025, yet the majority still sit idle in wallets, exchanges, and payment platforms — earning nothing for their holders. By 2030, that supply is projected to reach as high as $4 trillion under bullish adoption scenarios. This untapped capital presents a massive opportunity for financial platforms and fintech operators.
In emerging markets, stablecoins like USDC and USDT are essential for remittances, commerce, and savings—often used in place of unstable local currencies. Likewise, payment service providers and cross-border platforms rely on stablecoins for speed, transparency, and cost-efficiency.
Coinchange transforms this idle capital into productive infrastructure, enabling daily blockchain-based rewards through diversified, automated strategies—without long-term lockups or loss of control.
Strategy Overview
We deploy XRP as productive collateral by borrowing stablecoins against XRP at controlled loan-to-value (LTV) ratios and allocating that borrowed liquidity across a set of yield strategies.
Private TVL deals
Incentivized lending markets
Perpetual DEX vaults
Pendle PTs (Principal Tokens)
Structured yield-bearing assets
This creates a structured, delta-aligned strategy where XRP remains the core asset, while stablecoin liquidity is actively farmed across high-efficiency venues.
Dual Yield Engine
The XRP Yield Portfolio is built around a dual yield engine that combines recurring base yield with asymmetric incentive upside.
Base Yield
Base yield is generated from lending spreads, vault strategies, and structured DeFi allocations funded by the stablecoins borrowed against XRP collateral.
Incentive Upside
In addition, the portfolio targets protocols distributing ecosystem “points”, which typically convert into tokens at a Token Generation Event (TGE). These incentives can add retroactive rewards, token airdrops, and additional APY post-conversion, creating an extra layer of upside on top of base yield.The result is a layered yield structure that combines more predictable base returns with asymmetric incentive-driven upside, while keeping XRP as the reference asset.
Designed For
Long-term XRP holders who want to earn yield without exiting their XRP exposure.
Capital-efficient yield seekers who are comfortable using XRP as collateral to access stablecoin yield strategies.
Investors looking for exposure to future protocol token launches via ecosystem points and related incentive programs.
Portfolio Summary
Stablecoin Low-Risk
Primarily delta-neutral: 90% of allocation in CeFi/DeFi Neutral.
Minimal directional exposure (10% CeFi hedged or non-leveraged).
Exceptionally stable profile with Target Yield of 10% APY.
Sharpe Ratio: 2.95, Max Drawdown: -1.8% monthly, Avg Drawdown: -0.36%.
Stablecoin Mid-Risk
Adds a significant directional component: 30% Low-Risk Directional and 10% High-Risk Directional.
Delta-neutral strategies reduced to 60% (35% CeFi + 25% DeFi).
Balanced approach producing a Target Yield of 15% APY.
Sharpe Ratio: 3.50, Max Drawdown: -2.4% monthly, Cumulative Return: 25.3%.
Stablecoin High-Risk
Directional-heavy: 70% exposure to Directional strategies (25% Low, 25% Mid, 20% High Risk).
Neutral strategies form only 30% of the portfolio (20% CeFi, 10% DeFi).
Built for maximum yield with a Target Yield of 25% APY.
Sharpe Ratio: 3.17, Max Drawdown: -4.3% monthly, Cumulative Return: 35.5%.
Portfolio Summary
Coinchange offers a range of yield strategies tailored to different institutional risk profiles — from stable, low-volatility cash management solutions to enhanced yield and high-alpha strategies. Customized portfolio strategies are also available.
Low-Risk Portfolio
is optimized for maximum stability and stablecoin target yield ~10% APY with the lowest drawdowns.
Mid-Risk Portfolio
offers a well-balanced blend of neutral and directional strategies, targeting 15% APY with managed volatility.
High-Risk Portfolio
is directionally aggressive, delivering a 25% APY target — suitable for allocators comfortable with higher volatility in pursuit of yield maximization.
Use Case
Conservative
Primarily delta-neutral: 90% of allocation in CeFi/DeFi Neutral.
Minimal directional exposure (10% CeFi hedged or non-leveraged).
Exceptionally stable profile with Target Yield of 10% APY.
Sharpe Ratio: 2.95, Max Drawdown: -1.8% monthly, Avg Drawdown: -0.36%.
Balanced
Adds a significant directional component: 30% Low-Risk Directional and 10% High-Risk Directional.
Delta-neutral strategies reduced to 60% (35% CeFi + 25% DeFi).
Balanced approach producing a Target Yield of 15% APY.
Sharpe Ratio: 3.50, Max Drawdown: -2.4% monthly, Cumulative Return: 25.3%.
Aggresive
Directional-heavy: 70% exposure to Directional strategies (25% Low, 25% Mid, 20% High Risk).
Neutral strategies form only 30% of the portfolio (20% CeFi, 10% DeFi).
Built for maximum yield with a Target Yield of 25% APY.
Sharpe Ratio: 3.17, Max Drawdown: -4.3% monthly, Cumulative Return: 35.5%.
Built for Stablecoin Holders
Structured, multi-strategy allocation
Transparent, auditable infrastructure
No longterm lockups, full flexibility
Product Characteristics
P&L Reporting: Daily NAV and performance updates
P&L Reporting: Daily NAV and performance updates
Redemptions: T+5
Custody: Prime exchange partners (Binance, OKX) using Ceffu or Fireblocks custody infrastructure
Product Characteristics
Coinchange Financial, Inc. 261-250
Avenida Universidad, Toronto,
Ontario M5H 3E5 CANADÁ
Coinchange Financials Inc.
Corporation Trust Center 1209,
Orange St. Wilmington, DE 19801, ESTADOS UNIDOS
Coinchange Financial SP. Z.O.O.
Grecia 80/82/700 00-844
Varsovia, Polonia
Nota: Los criptoactivos no son moneda de curso legal, no están respaldados por el gobierno, y las cuentas de activos digitales mantenidas con Coinchange no están sujetas a las protecciones de la FDIC o SIPC. El valor de los activos digitales no son estáticos y pueden fluctuar sustancialmente. No todos los productos y servicios están disponibles en todas las áreas geográficas y están sujetos a los términos y condiciones aplicables de Coinchange. La elegibilidad para productos y servicios particulares está sujeta a la determinación final de Coinchange. Las tarifas de nuestros productos están sujetas a cambios. Nada en este sitio web debe interpretarse como una recomendación para cualquier acción. Coinchange está registrado como un Negocio de Servicios Monetario (MSB) número 31000185193236 en la Red de Cumplimiento de Delitos Financieros de los Estados Unidos (FinCEN).
