Unlocking Yield-Bearing Digital Dollars
USD+ is backed 1:1 by U.S. Treasuries and cash equivalents and currently yields around 5% APY. Unlike conventional stablecoins, it allows users to earn yield while holding digital dollars, providing a stronger alternative to traditional accounts in markets with limited access to reliable U.S. dollar banking.
Through Rain’s API, fintech partners can now create digital dollar accounts where balances automatically generate yield—without minimum deposits, foreign bank accounts, or complex investment structures. Crucially, funds remain instantly spendable anywhere Visa is accepted, making stablecoins both a savings and spending tool.
Offramp Becomes First Launch Partner
Offramp, a global neobank focusing on emerging markets such as LATAM, is the first to roll out Rain’s USD+ integration. Customers outside the U.S. can now:
- Hold USD+ in their accounts and earn yield daily
- Use Rain-issued Visa cards for global purchases
- Invest in tokenized equities via Dinari’s dShares™
“From the very beginning, we designed Rain’s technology to be token-agnostic, stablecoin-native, and built to evolve as the asset landscape expands,” said Charles Yoo-Naut, CTO & Co-Founder at Rain. “By supporting USD+, we’re giving partners like Offramp the ability to launch products that are both financially compelling and frictionless.”
Dinari’s Tokenized Finance Ecosystem
USD+ is issued and settled on the Dinari Financial Network, the same infrastructure powering Dinari’s dShares—fully-backed, compliant tokenized equities. Together, these instruments enable fintechs to provide customers with safe, regulated access to U.S. financial products that have historically been out of reach for many emerging market investors.
“Rain’s integration of USD+ proves our infrastructure powers both yield-bearing stablecoins and tokenized equities for partners,” said Gabe Otte, Co-Founder & CEO of Dinari. “Our mission is to democratize access to U.S. dollars and equities globally. With Rain, fintechs can now put those dollars directly into users’ hands, where they can grow and remain spendable.”
Expanding Access to Emerging Markets
Offramp CEO and Founder Luc Loja emphasized the importance of combining yield with usability: “We’re excited to deepen our partnership with Rain and Dinari as the first launch partner for USD+. Through Rain’s support for USD+, we’ll be able to unlock the true potential of stablecoins for users in emerging markets by combining spendability with yield generation. This is a historic milestone in stablecoin innovation.”
The integration addresses a pressing need in regions with high inflation and weak banking infrastructure, giving individuals and businesses access to dollar-denominated savings and global payment capabilities in a single product.
Conclusion
Rain’s integration of Dinari’s USD+ marks a significant evolution in stablecoin adoption. For fintechs like Offramp, it means offering customers outside the U.S. the ability to save, earn, and spend in dollars without banking friction. For Dinari, it showcases the growing synergy between yield-bearing stablecoins and tokenized equities. Together, the partnership demonstrates how infrastructure innovation is turning stablecoins into true global financial utilities.
