# Coinchange > Customized earn solutions at scale Coinchange is a stablecoin yield platform. It lets businesses and individuals earn risk-managed yield on stablecoins and other digital assets through an API, embeddable vaults, and an Earn Account app. Coinchange is a stablecoin yield and digital asset management platform. It lets fintechs, exchanges, wallets, and individual users earn yield on stablecoins and other digital assets through actively managed strategies. Partners can launch yield for their own customers by API, through an embeddable widget, or with on-chain smart contract vaults. Coinchange runs portfolios along a risk spectrum, from capital preservation and market-neutral stablecoin lending to balanced and alpha-seeking strategies. Its strategies include CeFi and DeFi delta-neutral trades, such as basis and funding-rate capture on major exchanges and stablecoin lending on DeFi lending protocols, with daily liquidity. Assets deposited through its services are held with a third-party custodian. Its offerings include Yield-as-a-Service for businesses, the Earn Account app for individuals and companies, an OTC trading desk, and a payout API for gift cards and mobile top-ups. It is used by fintechs, exchanges, neobanks, wallets, businesses, and individual crypto holders. - Type: Company - Sector: Finance - Status: Active - Founded: 2018-01-01 - Profile: https://thegrid.id/profiles/coinchange ## Products - [Coinchange Yield-as-a-Service](https://thegrid.id/profiles/coinchange): Coinchange Yield-as-a-Service is a B2B yield infrastructure that lets fintechs, exchanges, and wallets offer stablecoin earnings to their customers. Partners choose portfolios from capital preservation to alpha-seeking strategies, and Coinchange runs the CeFi and DeFi strategies behind them with daily liquidity and no lockups. Yield can be integrated through the DeFi Yield API, an embeddable vault widget, or non-custodial ERC-4626 smart contract vaults. (Developer Tooling, Live) - [Coinchange Earn Account](https://thegrid.id/profiles/coinchange): Coinchange Earn Account is an app-based account where individuals and businesses earn daily compounding yield on stablecoins and other digital assets. Deposits accrue in-kind daily payouts from Coinchange's yield strategies, and a Quick Invest option lets users buy stablecoins with US dollars and move them straight into the account. The account is available on the web, iOS, and Android. (Yield Aggregator, Live, Main Product) - [Coinchange OTC](https://thegrid.id/profiles/coinchange): Coinchange OTC is an over-the-counter trading desk for large crypto trades, offering all-in pricing, optimal execution, and same-day settlement. Clients are served by a dedicated desk with high-touch service. (OTC, Live) - [Coinchange Payout API](https://thegrid.id/profiles/coinchange): Coinchange Payout API is a disbursement API that lets businesses pay out digital assets as digital gift cards, prepaid open-loop cards, and mobile top-ups. It covers a wide range of gift card brands and mobile carriers, with real-time reward redemption. Coinchange charges no setup, customization, transaction, or monthly fees for the platform. (Gift Cards & Digital Vouchers, Live) ## Links - [Main](https://www.coinchange.io) - [Whitepaper](https://www.coinchange.io/tech-litepaper) - [Blog](https://www.coinchange.io/blog) - [Documentation](https://api-doc.coinchangetest.io) - [Terms of Service](https://www.coinchange.io/terms) - [Privacy policy](https://www.coinchange.io/privacy-policy-universal) - [Twitter / X](https://x.com/coinchangeio) - [LinkedIn](https://linkedin.com/company/coinchange) - [Instagram](https://instagram.com/coinchangeio) - [Facebook](https://www.facebook.com/coinchangeio) - [YouTube](https://www.youtube.com/channel/UCLqsOYvSkkpla96_DoSC_Qg) - [Medium](https://medium.com/@coinchange.io) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. 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