Key Takeaways
Most neobanks have a transaction-first product. Card spend, P2P transfers, maybe a budgeting layer on top. What's usually missing is a reason for a user's balance to grow on its own. A stablecoin-backed savings feature fills that gap, and it does it by routing user balances into instruments that already generate a return: government securities, money market funds, corporate bonds.
Neobank ARPU sits around $45. Traditional banks sit closer to $350. That gap isn't mostly about pricing. It's about how many products a user actually touches.
Revolut posted $2.1B in revenue and $180M in profit in 2024. Nubank crossed close to $2B in net income the same year. Neither got there on interchange alone. Both expanded into higher-margin products layered on an existing user base.
A yield-backed savings feature is one of the more direct versions of that same move. It gives the user a reason to keep growing their balance instead of just parking or spending it, and it opens a revenue line for the platform that tracks AUM rather than transaction count.
For a neobank with an established user base, that's a way to convert existing balances into a recurring spread at close to zero incremental cost. For a platform still growing its base, the near-term revenue is smaller, but the feature can still help with retention, and yield is increasingly something users check for before they pick a platform.
Three things, mostly. A return they can plan around. Access to their money without a waiting period. And an interface that doesn't ask them to think about any of it.
Predictable returns. Users tolerate a return that's modest more easily than one that swings without explanation.
Liquidity terms matter. A yield product that ties up capital for weeks kills adoption before it starts. For most users, daily liquidity is the baseline expectation. IXS offers this across selected vaults, with terms varying by product.
Nothing to learn. The user doesn't need to know their yield is coming from a tokenized Treasury position or an RWA vault. What they see is a balance, a rate, and a deposit or withdrawal button. Everything else stays below the surface.
IXS's yield products are built around exactly that: returns backed by regulated institutional instruments, daily deposit and withdrawal with no lock-up across selected vaults, and an integration layer designed to stay invisible to the end user.
The mechanic is a spread. The underlying instrument generates a yield. The platform passes most of it to users and keeps 15 to 30% as its own margin.
Worked example: a platform holds $20M in user stablecoin balances and routes it into IXS's BlackRock corporate bond exposure, which carries an indicative yield of around 6% p.a. Pass 5.5% to users, keep roughly 0.5 point as platform revenue, and that's somewhere in the $100,000 range annually at that AUM. Scale the balance, scale the number.
The math favors platforms with an established base more than platforms still building one. For the former, it's close to free revenue on capital that was already sitting idle. For the latter, the case leans more on retention and differentiation than on near-term dollars.
(Rates below are indicative, point-in-time, and subject to change. Confirm current figures before this ships.)
Products are available to accredited and institutional counterparties. Rates are indicative and move with underlying market conditions.
Talk to IXS about a partnership.
Does adding a savings feature require a new license for the neobank? The regulated product structure sits inside IXS's licensed issuance infrastructure. The neobank may still carry its own obligations to users, disclosure requirements and investor classification rules depending on jurisdiction. Get regulatory advice before launch.
How should returns be described to users? As indicative and asset-backed. The rate shown to users is the underlying yield minus the platform's retained spread. How it's framed should match the neobank's own jurisdiction's consumer disclosure rules.
Can users withdraw whenever they want? IXS's core Earn products such as BlackRock High Yield Corporate Bond post daily deposit and withdrawal with no lock-up.
Is there a minimum balance? IXS Earn carries a 100 USDC minimum deposit. Platform-level minimums on top of that are the neobank's own call.
IXS is a licensed onchain issuance platform providing regulated RWA vault infrastructure for fintech and digital asset platforms. Get in touch to explore a partnership.