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Portfolio Wallets let platforms (neobanks, exchanges, cross-border stablecoin APIs, treasuries) put even momentarily idle stablecoins to work in compliant, vetted yield sources while meeting custom requirements like APY targets, liquidity constraints, and allowed/blocked strategy types. When you create a Portfolio Wallet, you automatically get a deposit addresses across EVM and Solana. When stablecoins are sent to a deposit address, Ground automatically allocates funds across one or more yield strategies (e.g., RWA yield, blue-chip lending, delta-neutral) according to the strategy you configured. Ground also helps you discover the right portfolio for your use case by translating constraints into concrete allocation(s). Ground’s wallets are non-custodial by design: you retain ownership and control of funds while Ground runs allocation, rebalancing, withdrawals, and reporting within the guardrails you set.
1

Configure

Define your constraints (APY target, liquidity, allowed yield sources) and send them to the Ground API.
2

Create Portfolio Wallet + Get Deposit Addresses

Create a portfolio wallet via the Ground API and receive a portfolio wallet plus its deposit addresses.
3

Deposit

Send USDC or USDT to the portfolio wallet’s deposit addresses. Review our chain and token support on the Supported Chains page.
4

Earn

Yield accrues over time and reporting is available.
5

Withdraw

Withdraw balances and accrued yield to USDC or USDT to your desired address.

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How it works

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.