Treasury Yield API for Fintechs | High-Yield Cash Products

Key Benefits

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Offer 4-5% APY vs competitors 0.5%

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Launch in weeks with minimal engineering

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Generate spread revenue

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Increase user retention

## The Fintech Yield Opportunity

Fintech apps can differentiate by offering real yield to users. Tokenized Treasury products enable 4-5% APY on cash—10x traditional savings rates.

Why Treasury Yields?

User Value

**Real Rates**: 4-5% vs 0.5% traditional

**Government-Backed**: US Treasury safety

**Daily Liquidity**: Access funds anytime

**Simplicity**: Easy-to-understand product

Business Model

**Spread Revenue**: Earn on the delta

**Deposit Growth**: Better rates attract deposits

**User Retention**: Yield keeps users engaged

**Competitive Moat**: Hard to match without infrastructure

Product Options

Cash Account Enhancement

Upgrade existing cash features:

"High-Yield Cash" positioning

4-5% APY display

Daily interest accrual

Seamless UX

Standalone Yield Product

Launch dedicated yield product:

Treasury-backed savings

Goal-based savings

Automated sweeps

B2B API Product

Offer to other fintechs:

White-label yield

API access

Revenue share

Implementation

Quick Launch (2-4 weeks)

Integrate USDY or similar

Basic deposit/withdraw

Yield display

Full Product (6-8 weeks)

Multi-issuer optimization

Yield history

Tax reporting

Goal features

Compliance Considerations

Money transmission laws

Securities classification

Geographic restrictions

Disclosure requirements

How Fensory Connect Helps

Fensory Connect enables fintechs to:

**Launch Fast**: Pre-built Treasury integrations

**Optimize Yield**: Multi-issuer access

**Stay Compliant**: Regulatory guidance

**Scale**: Handle growth without rebuilding

Challenges We Solve

Users want yield on idle cash
Complex integration with Treasury issuers
Regulatory uncertainty
Limited engineering resources

Key Features

Quick Launch

Go live with Treasury yields in 2-4 weeks

Yield Optimization

Access multiple issuers for best rates

Compliance Support

Guidance on regulatory requirements

White-Label Ready

Customizable UX for your brand

Relevant Issuers

Ready to Get Started?

Schedule a call to discuss your specific requirements.

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Treasury Yield Products for Fintech Apps