1
Step 01
Deposit
Convert your funds into tokenized foreign currency deposits, held securely at regulated partner banks in your name. No crypto wallet needed.
Regulated custodyPilot live · Mainstream launch Q2 2026
Banking beyond
borders.
Earn up to 20.5% on foreign currency deposits. Tokenized, regulated, and tradable in real-time — with no crypto experience required.
20.5%
Max total annual yield (INR)
$165B
INR deposits held by Indian diaspora
6+
Currencies at pilot launch
0 lock-ins
Daily interest, no minimums
Yield Tool
See exactly what
you'd earn.
Set your total deposit, then split it across currencies using the sliders. See your blended yield and projected earnings update live.
Blended APY
4.50%
$1,000US Dollar
Projected Balance Growth
100% USD @ 4.50% APY
Total Deposit
$1,000
Select Currency
Show all (5 more)US Dollar — Total APY4.50%
Daily earnings+$0.1233
Monthly earnings+$3.75
Annual earnings+$45
End-of-year balance$1,045
Illustrative rates from YieldFX whitepaper. Not financial advice.
How it works
Three Steps. Any Currency.
YieldFX wraps regulated bank deposits and on-chain liquidity into a seamless progressive web app — no wallet required.
2
Step 02
Earn
Your deposit earns base interest on the underlying currency daily. Optionally stake into single-sided liquidity pools for additional YFX token yield — with zero impermanent loss risk.
Paid daily3
Step 03
Trade
Move between currencies in real-time on FLEX — our hybrid DEX that aggregates on-chain and off-chain FX liquidity for the best available rates, 24/7.
Best-rate executionUse cases
Built for people
who move money.
Diaspora
Indian NRI Savings
$165B in INR deposits held by the Indian diaspora in the US — earning near-zero in US savings accounts. YieldFX pays 8.5% base + 12% liquidity yield on INR.
20.5%
Total APY on INR
$165B
Market opportunity
Education
LRS Tuition Payments
$70B in annual education spend flows through India's LRS scheme. Hold funds in INR, earn yield while they wait, convert and send when tuition is due.
$70B
Annual LRS spend
0 days
Lock-in period
Business
SMB Treasury
Freelancers and small businesses with cross-border revenue can hold multi-currency balances, earn yield on idle funds, and trade at best-market rates 24/7.
19.5%
Total APY on USD
24/7
FX trading
Trading
FX Carry Strategy
Execute carry trades across high-yield emerging market currencies using FLEX's real- time hybrid liquidity — without impermanent loss risk or lock-ins.
0.01%
Spread on FLEX
6+
Currency pairs
01 · USER LAYER
USER
Wallet · App · API
02 · PROTOCOL
YFX
PROTOCOL
03 · INFRASTRUCTURE
Tokenized Deposits
Regulated custody
FLEX Exchange
Hybrid DEX
Liquidity Pools
Single-sided staking
The FLEX Ecosystem
A new kind of
FX infrastructure.
FLEX is a hybrid decentralized exchange that combines on-chain settlement with off-chain FX liquidity routing — giving you the best of both worlds.
Single-Sided Pools
Stake into liquidity pools with a single currency. No paired assets, no impermanent loss. Earn YFX token rewards on top of base deposit yield.
Hybrid Market Making
FLEX aggregates on-chain AMM liquidity with traditional FX order books for deep liquidity and tight spreads across all supported pairs.
Regulated Custody
All deposits sit at regulated partner banks, in your name. YieldFX is a technology platform — your money never leaves the traditional banking system.
Partner Banks & Regulators
Regulated Deposits
KYC / AML Compliant
SOC 2 Type II
FDIC Pass-Through
The Team
Built by veterans of global finance.
Rajiv Sohal
Founder & CEO
Entrepreneur and tech executive with fintech & DLT background.
Doug Jordan
FX Markets
Deutsche Bank · Crédit Agricole · Jefferies · Global FX structuring.
Corey Reason
Chief Compliance Officer
HSBC · Bermuda Bank · Financial crime & regulatory compliance.
Andy Miller
FX Sales
HSBC · Bear Stearns · BNP Paribas · Institutional FX sales.
Ready to start
Put your foreign
currency to work.
Try the demo app — no deposit required. See real-time rates and watch your projected earnings update live.
✓ No deposit required✓ Real-time rates✓ No crypto experience needed