Product Updates

Smart Wallet: Earn Yield on Your Stablecoin Balances

Axel, Co-founder & Head of Product

Sep 24, 2026

For years, the industry forced a tradeoff: lock up your money to earn yield on it, or keep it readily accessible but idle.

We're changing that with Smart Wallet, our new self-custodial wallet brings together holding and earning into one experience. Smart Wallet allows clients' balances of eligible stablecoins to earn yield automatically while keeping their funds available to spend, send, or convert.

Automatic earning on select stablecoins

Smart Wallet currently offers 2% APY on USDC and USDT (Ethereum) and USDC (Base). Once deposited in your Smart Wallet, Reah automatically allocates them to supported earning strategies. These strategies currently consist primarily of Spark Protocol’s USDC and USDT vaults yield-bearing savings vaults.

Users can view their total balance, today’s earnings, holding earnings, and historical earnings directly in their Smart Wallet.

Fund availability and self-custody

Smart Wallet is built on the EIP-7702 standard, introducing smart-account capabilities while preserving full self-custody. This enables automated earning, fund preparation, and combined transaction flows without transferring control of the assets to a Reah-custodied account.

Users can Receive, Send, and Convert assets directly, just as they would with a standard Wallet. When funds allocated to an earning strategy are needed, Reah automatically prepares the required amount and incorporates any necessary redemption into the transaction flow.

Rates and risk considerations

The current 2% APY may be adjusted based on market conditions and product policies. Returns and fund availability may also be affected by underlying protocols, smart-contract risks, stablecoin prices, and on-chain liquidity.

For more questions on setting up wallets and accessing other Reah products, please contact us.

Reah is a financial operating system for global businesses — fiat banking, stablecoin treasury, cross-border payments, and AI-native execution on one ledger. Learn more at reah.com

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Reah Inc. (“Reah”) is a financial technology company, not a bank, broker-dealer, or investment adviser. The Reah Platform provides software tools that enable you to access services offered by third-party providers. Reah does not provide investment, legal, tax, or financial advice.

Banking services are provided by third party banking partners, not by Reah. Reah itself is not FDIC-insured.

Any yield or return displayed on the Reah Platform is generated through third-party blockchain protocols and is variable, not guaranteed, and not provided by a bank. Past performance is not indicative of future results. You could lose your entire principal.

Digital asset services, including self-custody wallets, swaps, and DeFi protocol access, are provided by third parties or operate on public blockchains. Digital assets are not legal tender, are not backed by a government, and are not FDIC-insured or protected by SIPC. Digital asset transactions are irreversible.

Corporate charge card products are issued by a third-party issuer and are subject to credit approval.

Reah may receive compensation from third-party service providers.

Use of the Reah Platform is subject to the Terms of Use and Privacy Policy, which include limitations of liability, a class action waiver, and mandatory arbitration.

Resources

Help

Banking services are provided by third party banking partners, not by Reah. Reah itself is not FDIC-insured.

Corporate charge card products are issued by a third-party issuer and are subject to credit approval.

Reah may receive compensation from third-party service providers.

Use of the Reah Platform is subject to the Terms of Use and Privacy Policy, which include limitations of liability, a class action waiver, and mandatory arbitration.

Resources

Help

Banking services are provided by third party banking partners, not by Reah. Reah itself is not FDIC-insured.

Corporate charge card products are issued by a third-party issuer and are subject to credit approval.

Reah may receive compensation from third-party service providers.

Use of the Reah Platform is subject to the Terms of Use and Privacy Policy, which include limitations of liability, a class action waiver, and mandatory arbitration.

Resources

Help

Banking services are provided by third party banking partners, not by Reah. Reah itself is not FDIC-insured.

Corporate charge card products are issued by a third-party issuer and are subject to credit approval.

Reah may receive compensation from third-party service providers.

Use of the Reah Platform is subject to the Terms of Use and Privacy Policy, which include limitations of liability, a class action waiver, and mandatory arbitration.