Olivetree provides insurance-backed, principal-protected yield products for USD deposits, offering a stable alternative to money market funds without market or default risk. The platform integrates via API, enabling platforms and funds to offer guaranteed yields to their users while capturing spread on every dollar deposited.
Funding
Funding not disclosed
Founders
Product
Problem
Institutional and platform-based investors seeking stable returns on USD deposits often rely on money market funds, which carry market volatility and default risk, or commercial paper and private credit, which introduce additional credit and liquidity concerns. Offshore funds and global platforms also face barriers to accessing U.S. money market products, including withholding taxes and regulatory friction.
Solution
Olivetree offers insurance-backed, principal-protected yield products for USD deposits, designed to outperform money market funds while eliminating exposure to market volatility and default risk. Deposits are fully backed by A-rated U.S. insurance carriers and routed through a bankruptcy-remote structure, ensuring investment-grade guarantees and principal protection. The platform provides contractually guaranteed yields insulated from rate fluctuations, with a 3-year product designed for long-term capital allocation. Clients integrate via API in days, with Olivetree handling legal structuring, insurance backing, and compliance in the background, enabling platforms to offer guaranteed yield to their users and capture spread on every dollar deposited.
Target Audience
Primary customers are global platforms, offshore funds, and institutional treasury teams seeking stable, principal-protected USD yield products that avoid the risks and access barriers of traditional money market instruments.
Features
- Principal protection backed by A-rated U.S. insurance carriers, eliminating market and default risk
- Contractually guaranteed yields on USD deposits, insulated from rate fluctuations
- Bankruptcy-remote structure ensuring investment-grade guarantees and capital safety
- API-based integration enabling platforms to offer yield products within days
- 3-year yield product designed for long-term capital allocation, complementing money market funds for short-term operating cash
- Real-time treasury dashboard for monitoring deposits and yields
- Cayman structure designed for global platforms and offshore funds, addressing barriers to U.S. money market access and withholding taxes