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Portfolio Wallets let neobanks, exchanges, and treasuries put idle stablecoins to work. Allocate customer deposits across multiple yield sources with a single API integration — Ground handles allocation, rebalancing, withdrawals, and reporting.

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How it works

  1. Configure — choose yield sources and target weights from the yield source catalog.
  2. Create — create a wallet with your chosen strategy. Ground provisions its standard deposit addresses. Stellar deposits use a separate one-time setup flow.
  3. Deposit — send a supported stablecoin to the returned address for your chosen network. See Supported Chains.
  4. Earn — Ground allocates deposits across yield sources and rebalances to maintain target weights.
  5. Withdraw — choose a supported stablecoin and destination network. Ground sources compatible funds and delivers the stablecoin to your destination.
Once you create a wallet and receive deposit addresses, the lifecycle follows a simple pattern: deposit stablecoins, monitor balances and accrued yield via polling or webhooks, and withdraw when ready. Withdrawal payouts require transaction signing through Turnkey before Ground broadcasts and settles the funds to your destination address. For Stellar USDC, follow Power Yield for Stellar Balances to configure signing, enable the deposit address, and approve its setup.

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Independent allocation groups

Strategies divide funds into allocation groups according to stablecoin and network compatibility. Each group’s targets total 100%, and deposits, rebalances, and withdrawals use compatible funds within that group. See Allocation groups for usdc, usdt, and usdt:tron.

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Custody and security

  • Non-custodial key management — each wallet’s private keys are managed by Turnkey. Ground never has access to signing keys.
  • Signing policies — your organization controls which withdrawal transactions require approval. Strategy updates are API-authenticated target-allocation changes; later rebalances may execute asynchronously under configured policy.
  • Wallet-specific addresses and accounting — each wallet gets dedicated deposit addresses, ledger accounts, and position balances. For a Ground RWA Vault allocation, the wallet holds its own non-transferable Ground receipt while the authorized investment and borrower obligations are associated with the vault structure. See Yield Sources.
  • HTTPS only — all API and webhook communication is encrypted in transit.

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Start here

Quickstart

Create a wallet and initiate a withdrawal in 5 minutes.

API Conventions

Authentication, pagination, rate limits, and error handling.

Yield Sources

Available yield sources and strategy construction guidance.