Commerce · alternatives · 2026

24 alternatives to Yield-as-a-Service

Earn up to 5.5% APY on your excess cash

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Yield-as-a-Service launched in 2022; newer entries below may have overtaken it.

1. 1
   Monie▲78

   5% APY high yield account for your dollars

   2021 · its alternatives →

2. 2
   Robinhood Checking & Savings▲465

   Earn 3% on your money. Pay no fees.

   2018 · its alternatives →

3. 3
   Rand▲116

   Build lasting wealth, earn 5% APY

   2023 · rand.app · its alternatives →

4. 4
   Mayfair▲267

   The 4% APY business cash account

   2022 · its alternatives →

5. 5
   Brew Money▲640

   Earn ~6% APY on crypto with self-custody, withdraw anytime

   2022 · apps.apple.com · its alternatives →

6. 6
   Tellus Boost▲81

   Earn 3% on your cash & boost your rate daily.

   2020 · tellusapp.com · its alternatives →

7. 7
   Stripe Treasury▲490

   Embed financial services in your platform

   2020 · stripe.com · its alternatives →

8. 8
   Thresholds▲191

   Earn up to 6% on your USD, paid daily in Bitcoin

   2021 · onesafe.io · its alternatives →

9. 9
   Robinhood Cash Management▲125

   Invest, spend, and earn 2.05% APY

   2019 · robinhood.com · its alternatives →

10. 10
    DimeFi▲76

    Earn 12% APY powered by DeFi, Interest paid out daily

    2021 · dimefi.com · its alternatives →

11. 11
    Coinchange.io▲82

    Earn & buy crypto, get safe passive income from DeFi yield

    2021 · apps.apple.com · its alternatives →

12. 12E9
    Earn 9.62% on US Treasury I Bonds on Yotta▲83

    Hey all My name is Adam, and I’m a co-founder at Yotta (YC S20), an app that uses behavioral psychology to help people save money by making saving exciting. We built a feature on Yotta where you can earn 9.62% APY via US Treasury I Bonds. (https://www.withyotta.com/i-bonds) This is an absurd yield for a security that is backed by the full faith and credit of the United States Government - the strongest guarantee you can get. For comparison, most high-yield savings accounts with FDIC coverage are paying ~2%. The backstory: I Bonds were established by the US Treasury in 1998 to…

    2022 · its alternatives →

13. 13
    Worthy▲77

    Earn 5% interest while helping others

    2018 · worthybonds.com · its alternatives →

14. 14
    Ozeily▲112

    Connect your bank and earn cashback on all your expenses

    2024 · its alternatives →

15. 15
    Business Earn Account▲4

    Extend your runway with up to 7.55% APY

    2024 · rand.app · its alternatives →

16. 16
    3% APY Borderless Business Bank Account▲47

    Be your own bank

    2023 · datamynt.com · its alternatives →

17. 17
    QuickBooks Cash▲96

    1% APY and more than just a bank account

    2020 · quickbooks.intuit.com · its alternatives →

18. 18
    Cash Boost▲170

    Get instant cash back with Cash App's new rewards program✨💸

    2018 · cash.app · its alternatives →

19. 19
    Underpay▲75

    Bank-to-bank payments that grow your business

    2023 · its alternatives →

20. 20
    Mayfair▲108

    Your cash shouldn’t be earning peanuts.

    2023 · its alternatives →

21. 21
    Cently▲101

    Automatic coupons + cashback for you and your friends

    2019 · couponfollow.com · its alternatives →

22. 22
    Exact Pay by Raise▲81

    Instantly earn cash back at all your favorite brands

    2019 · apps.apple.com · its alternatives →

23. 23
    Crescent▲96

    Earn 4% APY with up to $75m in FDIC insurance

    2023 · crescent.app · its alternatives →

24. 24
    Celsius▲87

    Earn interest on your crypto

    2021 · celsius.network · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →