Circle Internet Financial has developed Circle Yield, a secured crypto investment product that leverages the stability of USD Coin (USDC) to offer higher annual percentage yields (APYs) than traditional financial markets. This product targets qualified institutional investors and corporate treasuries, enabling them to earn superior returns by locking USDC funds for durations between one and twelve months. Circle Yield operates through collaborations with institutional crypto lenders like Genesis Capital, lending the deposited USDC to institutional market participants who pay higher rates to borrow against their crypto holdings. This initiative provides an attractive alternative for businesses seeking to optimize returns on idle working capital while mitigating the volatility typically associated with cryptocurrencies. The product, currently available to accredited investors in the U.S. and Switzerland, is part of a broader trend where stablecoins like USDC are increasingly used for payments and treasury operations on blockchains, offering a balanced risk-return profile under a clear regulatory framework.