Introducing Airwallex Yield in the U.S.

Make every dollar work harder for your business

Inflation doesn’t wait; so why should your cash?

Every day, idle business balances sitting in traditional bank accounts quietly lose value. In the U.S., most business savings accounts pay less than 0.5% APY, while inflation has hovered well above 2%. The result? Erosion of working capital and missed opportunities to grow your business.

Now, there’s a better way.

Airwallex Yield is now available to businesses in the United States, giving finance leaders a modern, integrated way to earn competitive returns compared to traditional savings on idle funds — all within the Airwallex platform where you already manage payments, FX, and treasury operations.

No lock-ups. No external transfers. Just smarter, faster capital management.

What is Airwallex Yield?

We built Airwallex Yield to help businesses make their money work harder and optimize idle cash, a next-generation treasury solution designed for modern finance teams. Instead of sitting in a low-interest account, your funds are invested in AAA-rated money market funds (MMFs). These MMFs focus on short-term, low-risk assets like U.S. Treasury bills and other assets backed by the U.S. government, meaning your funds remain highly liquid, diversified, and capital-stable.

With Airwallex Yield, your USD balances:

• Earn competitive returns compared to a traditional savings account

• Remain accessible anytime, with withdrawals generally settled in one business day

• Are fully transparent, with daily accruals and balances visible in your Airwallex Yield dashboard

It’s the simplicity of a business account with the sophistication of an institutional treasury solution.

Why it matters for U.S. businesses

Managing cash in a volatile interest rate environment is complicated. U.S. businesses face a familiar dilemma: traditional banks pay minimal interest on deposits, while alternative fintechs often don’t offer broader, end-to-end treasury capabilities.

Airwallex Yield changes the equation.

You can now earn competitive returns on your USD balances directly from the Airwallex platform. No need to move funds off-platform or deal with the friction of multiple providers.

That means your idle cash works harder, your liquidity stays flexible, and your treasury operations stay simple all from one place.

Here’s how Yield helps teams manage cash with speed and confidence

Optimize idle cash

Put your idle USD balances to work so they can earn competitive returns while helping offset inflation over time.

Improve working capital liquidity

Access your funds when you need them: no lock-ins, minimums, or penalties. Whether you’re covering a surprise vendor payment or funding your next market expansion, your cash is always within reach.

Streamline global cash flow

Get a unified view of your liquidity across currencies and entities. Identify where to deploy, invest, or repatriate cash, all within your Airwallex Yield dashboard.

Safety and liquidity you can trust

We know your cash isn’t just numbers: it’s payroll, runway, and growth. That’s why safety and access are at the core of Airwallex Yield.

• Institutional-grade funds: Your balances are invested in an AAA-rated money market fund managed by global leader J.P. Morgan Asset Management, with a focus on capital preservation and daily liquidity.

• Transparent oversight: You can monitor your balance, accrued returns, and fund movement directly within your Airwallex Yield dashboard.

• Fast access: Withdrawals typically settle in one business day.

In short: your funds are working, but always within reach.

How Airwallex Yield compares

Unlike many U.S. yield products designed for startups or consumers, Airwallex Yield was built for growing businesses that need control and flexibility. While most yield or treasury products on the market act as standalone tools, Airwallex Yield is part of a connected financial ecosystem that is purpose-built to help businesses manage their full cash lifecycle from a single platform.

That means you can:

• Earn returns on idle USD balances held within your Airwallex Yield balance without shifting cash into an external investment platform or waiting through long onboarding steps.

• Move funds quickly between your Wallet, Yield balance, and payment workflows to match business priorities (whether that’s funding payroll, supplier payments, or capturing a growth opportunity).

• Gain unified visibility across every dollar in your business, from operating cash to yield-generating balances, all reflected in one dashboard.

In contrast, most alternatives in the U.S. market — from digital banks to newer fintechs — treat yield and treasury as isolated features. They may offer competitive rates, but funds often sit in separate environments, requiring manual transfers, reconciliation, or waiting periods before cash is usable again.

Airwallex takes a different approach. Yield isn’t an add-on; it’s part of a connected, end-to-end treasury ecosystem that powers global payments, FX, expense management, and now yield generation. You get higher capital efficiency, clearer insights, and faster access to funds from a platform, built for scale.

Real-world examples

From growth-stage startups to global e-commerce brands, Airwallex Yield is doing real work.

• For hyper-growth merchants managing cash flow swings: cogsflow, a fast-scaling e-commerce tech startup, told us that Yield helped them “make money work as hard as we are.” They noted that, compared to their previous low-interest business saver, the returns from Yield were meaningfully higher, and the liquidity meant cash could be redeployed quickly to support rapid growth.

• For global e-commerce brands expanding into new markets: Love to Dream, preparing for expansion into the U.S. and Europe, used Airwallex not just for global payments and FX but also Yield to ensure their USD balances earned more than typical bank solutions. This gave their finance team peace of mind: excess cash wasn’t idle, instead it remained accessible as they scaled operations internationally.

These examples show how diverse businesses, from tech startups to retail brands, are leveraging Yield to earn more on idle funds without sacrificing liquidity or operational simplicity.

Proven globally, now live in the U.S.

Airwallex Yield has already helped companies across the European Economic Area, Hong Kong, Singapore, and Australia grow their idle balances while maintaining flexibility. Now, we’re bringing that same institutional-grade experience to U.S. businesses ready to modernize their treasury operations.

Get started

If you’re already an Airwallex customer, you can activate Yield directly in your U.S. account in just a few clicks. If you’re new to Airwallex, sign up to open your business account and discover how effortless global treasury management can be.

Because your business moves fast and now, your cash can too.

Business savings account comparisons are sourced from Bank of America, Capital One and J.P. Morgan Chase.

Risk Disclosure: Airwallex Yield brokerage services are offered through Airwallex Capital US LLC (“Airwallex Capital US”), a registered broker-dealer and member of FINRA & SIPC. Past performance does not guarantee future returns. Airwallex Capital US does not provide investment advice or recommendations, and is not currently available to retail investors. Testimonials included are those of current customers and may not be representative of the experience of other customers, and are no guarantee of future performance or success.

All investments carry risk. You should seek advice from a financial adviser before making any investment decision. In the event that you choose not to seek advice from a financial adviser, you should consider whether the investment is suitable for you. Further details on the underlying JP Morgan fund can be accessed via the prospectus here.

You could lose money by investing in JPMorgan U.S. Government Money Market Fund (the “Fund”). Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund's sponsor is not required to reimburse the Fund for losses, and you should not expect that the sponsor will provide financial support to the Fund at any time, including during periods of market stress.

For a detailed description of fees and expenses associated with the Airwallex Yield account, click here.