Crypto-native companies hold their runway in stablecoins, then leave it idle in a wallet earning nothing — because the moment it earns, it stops being spendable. Mintware ends that trade-off: one non-custodial USDC balance that keeps working in DeFi while your team spends it on cards and pays vendors, at par, in real time.
Two curves are bending at once: company treasuries are moving into stablecoins, and real-world spend is moving onto stablecoin rails. Mintware sits exactly where they cross.
Finance teams face the same broken menu everyone else does — pick liquidity or pick yield, never both. So the safe choice is to hold operating cash idle and eat the opportunity cost. And when spend does happen, it is a mess of manual off-ramps, separate cards, and vendor wires disconnected from where the money actually lives.
Companies keep trillions in near-zero-interest accounts because moving cash into yield means locking it or unwinding it before every payment.
Team cards, vendor payouts, and treasury sit in three different systems — none of them earning, none of them aware of the others.
Handing runway to a centralized yield product means counterparty risk, uninsured balances, and no keys of your own.
Mintware is the Yield Payment Network — a treasury balance that stays spendable at par, like cash, while the capital keeps earning in DeFi. Every company function draws on that same productive balance.
USDC in the vault earns protocol-native yield from the pools it backs: idle capital is rehypothecated into lending, and just-in-time V4 liquidity recaptures fees and MEV that would otherwise leak to arbitrageurs. Your operating cash stops sitting still.
A card swipe or a vendor payout is a hold against the position, then a settle — the balance never has to un-park to be spent. No off-ramp, no unwind, no cashing out first. Never idle, never locked.
The team treasury terminal issues cards with per-role daily caps, runs vendor payouts, and enforces policy and approvals — all on the same non-custodial balance. Belt-and-suspenders: a role cap plus an independent authorization check on every spend.
Settlement is USDC-native over Circle / Arc rails with CCTP bridging; card spend runs through a regulated card partner. Mintware never touches fiat and never takes custody — funds live in your wallet or in autonomous, audited contracts.
A simple, defensible model. A startup that parks $2M of runway idle for a year gives up the yield it could have earned with no loss of liquidity — because on Mintware the same $2M stays fully spendable while it works.
Illustrative only. Reputable USDC lending venues have ranged roughly 3.5–9% through 2026 (Aave USDC ~3–5% on Ethereum, higher on Base/Arbitrum); LP + rehypothecation strategies target the upper end. A blended ~5% is a modelling assumption, not a promised or fixed rate — actual yield is variable and set by the market.
Multi-tenant org treasuries give the whole company one productive balance with real controls on top of it.
Issue cards mapped to roles, each with its own daily cap. Contributor spend is bounded by policy, not trust.
Pay suppliers in USDC from the same balance the treasury earns on — no separate float to fund.
Approval flows and spend policy are enforced in the terminal before value ever moves.
A role cap (the belt) plus an independent authorization check off live balance (the suspenders) gate each card swipe.
The reason a spendable balance can also be a working one is the structure underneath it.
We would rather show the plumbing working than ask you to take our word for it.
Your keys, your funds. Mintware and its contracts never take custody.
Deposit → earn → authorize → spend, plus a native USDC bridge — every leg executed on-chain with real, explorable hashes.
An audit-readiness pass with 0 Criticals and all Highs remediated, on top of formal, machine-checked verification of the money-path invariants.
USDC-native settlement and CCTP bridging on Circle’s infrastructure — not a bespoke bridge of our own.
Explore the treasury terminal, read the end-to-end proof, or get the full model behind the numbers. No wallet, no sign-in required to look.
Sources: CoinDesk Research & “Crypto card spending hits $18B” (Jan 2026); Grant Graham, “Stablecoins in Corporate Treasury” (2026); Artemis Analytics & Bancoli B2B stablecoin data (2025–26); insights4vc, “The State of Stablecoin Cards” (2026); eco.com USDC-yield comparison (2026); Vesto / Slash startup-treasury guidance. Figures are dated and approximate; yield ranges are illustrative.