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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.