Earn 5% on Your Cash with Onramp

5% Yield on Cash. No Lockups. No Gimmicks.

Traditional banks pay you 0.01-0.5% on your savings while lending your deposits out at 7-8%. High-yield savings accounts from Marcus or Ally offer 4-4.5%, but rates are falling. Onramp pays 5% APY on cash deposits.

This isn't a promotional rate. It's the structural advantage of stablecoin-powered yield.

How It Works

Onramp's yield account converts your cash deposits into stablecoins through Bridge infrastructure, accessing institutional lending markets that consistently generate yields above traditional banking.

The critical difference from platforms like Celsius and BlockFi: Onramp never rehypothecates your assets. Your deposits are never lent to leveraged traders, never used as collateral for speculative positions, and never commingled with Onramp's operational funds.

As the Celsius and BlockFi collapses demonstrated, rehypothecation is the silent killer of yield platforms. When the market turned, these platforms couldn't cover withdrawals because client assets had been lent out and lost. Onramp's architecture makes this structurally impossible.

Multi-Institution Custody Protection

Your yield account deposits are protected by the same Multi-Institution Custody that secures over $1 billion in Bitcoin across Onramp's platform. Private keys are distributed across BitGo, Coinbase, and Anchor Watch — no single institution has full control.

How Onramp's 5% Compares

Account | APY | Lockup | FDIC Insured | Rehypothecation Risk

**Onramp** | **5.0%** | **None** | No (MIC protected) | **None — never rehypothecated**

Marcus (Goldman) | 4.0% | None | Yes ($250K limit) | Bank uses fractional reserves

Ally Savings | 3.8% | None | Yes ($250K limit) | Bank uses fractional reserves

Wealthfront | 4.0% | None | Yes ($250K limit) | Bank uses fractional reserves

Celsius (defunct) | Was 8%+ | None | No | Yes — caused insolvency

BlockFi (defunct) | Was 6%+ | None | No | Yes — caused insolvency

A Note on FDIC Insurance

FDIC insures up to $250,000 per depositor per bank. This matters for small deposits, but for holdings above $250K, FDIC doesn't fully protect you. And FDIC insurance is designed to protect against bank insolvency caused by... fractional reserve banking and rehypothecation.

Onramp's Multi-Institution Custody addresses the root problem rather than insuring against the symptom. Your assets aren't fractionally reserved. They aren't rehypothecated. They're held across three independent custodians.

The Sound Money Case for Yield

Saifedean Ammous writes extensively about time preference in The Bitcoin Standard. Low time preference — the willingness to delay gratification — is the foundation of civilization and capital accumulation.

Earning 5% on your cash reserves while maintaining instant access isn't speculation. It's sound financial management. Your emergency fund, your operating cash, your dry powder waiting for the next Bitcoin dip — all earning 5% instead of losing purchasing power in a 0.01% checking account.

No Lockups. No Minimums. No Catches.

• Withdraw anytime: No lockup periods, no minimum holding time, no withdrawal penalties
• No minimum deposit: Start with any amount
• Daily accrual: Interest accrues daily, compounds monthly
• Full transparency: See exactly where yield comes from — no black-box strategies

Part of the Onramp Financial Platform

Your yield account integrates with the full Onramp platform:

• Buy Bitcoin at the lowest cost and let your cash work while you wait
• Bitcoin IRA for tax-advantaged long-term holding
• Rewards Card earning 1.5% Bitcoin back on spending
• Borrow against Bitcoin without selling

One platform. One custody solution. Every financial product a serious Bitcoiner needs.

Getting Started

1. Open your Onramp account
2. Deposit cash via ACH or wire
3. Start earning 5% immediately
4. Withdraw anytime — your money, your timeline

Frequently Asked Questions

How does Onramp pay 5% yield on cash?

Onramp converts cash deposits to stablecoins through Bridge infrastructure, generating yield from institutional lending markets. Unlike BlockFi or Celsius, Onramp does not rehypothecate client assets. Your principal is protected by Multi-Institution Custody.

Is Onramp's 5% yield account safe?

Onramp's yield account is protected by Multi-Institution Custody, distributing assets across BitGo, Coinbase, and Anchor Watch. Onramp has over $1 billion in assets under custody. Unlike failed yield platforms like Celsius, Onramp never rehypothecates client assets.

Are there lockup periods for Onramp's yield account?

No. Onramp's cash yield account has no lockup periods, no minimum holding time, and no withdrawal penalties. You can withdraw your funds at any time.

How does Onramp's yield compare to high-yield savings accounts?

Onramp pays 5% APY, compared to 3.8-4.5% from top high-yield savings accounts like Marcus, Ally, or Wealthfront. Onramp's yield is powered by stablecoin infrastructure, not fractional reserve banking.

Is Onramp's yield account FDIC insured?

Onramp's yield account is not FDIC insured. Instead, deposits are protected by Multi-Institution Custody across three independent regulated custodians. This addresses the root risk (single-institution failure) rather than insuring against its symptoms.