Circle Yield is a financial product offered by Circle Internet Financial, designed to provide institutional investors with exposure to the digital asset economy through lending USD Coin (USDC) to institutional borrowers interested in cryptocurrencies. Despite its potential for high returns and industry-leading security, as of November 17, 2022, Circle Yield is not accepting new loans, and the program's future updates are under evaluation. The service is notable for its fixed-rate, overcollateralized loans, managed by BitGo, and is currently available to accredited businesses in the US and Switzerland, with plans for expansion. However, it's important to note that Circle Yield is not a bank product, and investments are not insured by government entities, requiring investors to conduct thorough due diligence and consult legal and financial advisors before participating.