Today’s payment systems are walled gardens that are costly, error-prone, and exclusive, leaving many without access to basic financial services. Despite these shortcomings, the US dollar remains one of the most powerful enablers of commerce and economic prosperity in human history. That’s why the real value we’re building at OpenTrade lies in our growing suite of USD and EUR-denominated savings and yield products which are tools that many neobanks and fintechs, particularly in emerging markets, are now offering to their users.