Ground

Introducing Ground, the Money Infrastructure Company, supercharging banking and finance. We have been quiet, building with design partners. Today, we launched out of stealth, alongside a $3.6 million pre-seed funding round, to embed onchain finance everywhere, starting with yield. Ground turns any stablecoin or cash balance into a yield-bearing balance through one API. One integration provisions wallets, deploys into configurable on-chain yield sources, and emits ledger-ready accounting your end-user UI and internal systems can use on day one. The bar is fintech UX, not blockchain UX. Yield should feel like a native balance feature, not a gas-and-retries engineering project. You pick allocations, set policies, and stay in control of funds. Ground hides blockchains and complex onchain mechanics. Built for any financial platform or asset manager like neobanks, fintechs, corporate treasuries, and wealth managers. Founded by fintech and digital asset veterans from @stripe, @SuperstateInc, @hifibridge, and @compoundfinance. Backed by @BainCapCrypto, @paraficapital, @nascent , @robotventures, @chapterone, and Consonant Ventures. - @rmcuming, CEO and @realsamyoon, CTO

Every potential client we talk to runs into the same three problems when creating a yield, wealth or investment product: First, Concentration: Running balance or portfolio through a single underlying venue, source, or strategy introduces risk. Diversifying among 2 or 20 sources reduces this risk. Ground makes putting your eggs in more than one basket easy. Second, Goalling: Most products focus on a specific risk and liquidity profile, sometimes a different one per client segment, usecase, or expected behavior. Hitting the goal consistently requires adapting your portfolio as underlying sources change. Ground makes accessing and maneuvering over a catalogue of sources easy. Third, Differentiation: Competitors often use the same venue, source, or strategy as your product, commoditizing it at best, or degrading its performance and expected outcomes at worst. Ground makes building unique, customized offerings easy. Each of these is solved by integrating many diverse sources, adding complexity to your product, along with more maintenance and reconciliation overhead. Ground abstracts the complexity and makes this easy. One integration, fully client controlled, with source-attributed reporting. You configure and rotate venues and sources without becoming an integration desk. Let's build on solid Ground.

Compound Treasury grew above $300M in AUM in less than six months, and was the first decentralized product to receive an S&P credit rating. The tech, team, and positioning worked incredibly well until the market shifted underneath it. We wrapped the Compound protocol's yield for corporate treasuries, offered a fixed 4%, and took the spread. Once ZIRP ended and protocol rates fell, the spread vanished, making the product unsustainable. It was a single yield strategy exposed to a single rate regime. Anything pinned to one venue or one rate regime can get washed out when the cycle turns. The durable product is the one built on flexible infrastructure, capable of adapting to changes in the market. That is Ground: One API. Many yield sources. Configurable to our today's and tomorrow's risk and liquidity requirements.

Embedded finance was a defining infrastructure pattern of the last decade: Stripe turned payments into an API. Plaid turned bank connectivity into an API. The work was making banking and financial primitives understandable and easy to integrate, and handing them to product teams as configurable building blocks. Onchain finance is now ready for this same shift to ease, legibility, and composability so that idle balances can be made more productive including billions of stablecoins, pre-funded accounts, and neobank deposits. But fragmentation makes this difficult to package in a product, requiring many integration across chains, protocols, and markets, plus orchestration and reconciliation work that never ends. The complexity is prohibitive. Ground collapses this effort into a single integration to embed transparent, configurable, diverse yield. The bar is fintech UX, where yield should feel like a native balance feature. That is what Ground provides: One API, configurable yield sources, and ledger-ready accounting. If you run a neobank, exchange, or finance app and embedded yield is on the roadmap, let's talk.

Trillions of dollars sit in neobanks and exchanges every day, mostly earning nothing. We talked with @rmcuming Reid Cuming, CEO and Co-Founder of @Ground_onchain, fresh off a $3.6M raise, about why onchain yield has been stuck behind a wall of wallets and private keys, and how Ground wants to make it invisible inside the apps people already use. Watch the full interview: youtu.be/-3fKQWdvkaM?is…

Now that more people and businesses are using stablecoins (starting with dollar-access, remittance use cases), the next natural question is how to generate yield on them This is not easy to provide for your customers today! Ground is an API for fintech developers (and agents) to immediately tap into onchain credit products. It provides access to different products, masks the complexity, and offers security and compliance to integrate yield into your product or your balances. @rmcuming has been working in this space across since compound + co-founding superstate, and he's teaming up with @realsamyoon who has also been building credit and stablecoin products for years. We're thrilled to be partnering with them in this journey

After 2 years at Base, I was determined to join an early stage crypto startup to help 0->1. Now the mission is to build @ground_onchain to accelerate tokenized yield adaption for everyone

Today we're announcing Ground @ground_onchain: the money infrastructure company that makes onchain finance easy, accessible, and embeddable — supercharging all finance and banking. We're starting with embedded onchain yield. 🧵

EXCLUSIVE: Superstate co-founder raises $3.6 million pre-seed for Ground to help fintechs access onchain yield theblock.co/post/406040/su…

We're raised $3.6 MM to change the nature of money itself. When dollars can become assets instantly, with no friction, our fundamental assumptions about money need to shift. At Ground, we're building the infrastructure that makes every dollar better, for everyone.

Read more about our launch here: groundinc.substack.com/p/introducing-…

If you are thinking about embedded onchain yield, let’s build on solid Ground: portal.groundtech.co/signup

Introducing Ground, the Money Infrastructure Company, supercharging banking and finance. We have been quiet, building with design partners. Today, we launched out of stealth, alongside a $3.6 million pre-seed funding round, to embed onchain finance everywhere, starting with yield. Ground turns any stablecoin or cash balance into a yield-bearing balance through one API. One integration provisions wallets, deploys into configurable on-chain yield sources, and emits ledger-ready accounting your end-user UI and internal systems can use on day one. The bar is fintech UX, not blockchain UX. Yield should feel like a native balance feature, not a gas-and-retries engineering project. You pick allocations, set policies, and stay in control of funds. Ground hides blockchains and complex onchain mechanics. Built for any financial platform or asset manager like neobanks, fintechs, corporate treasuries, and wealth managers. Founded by fintech and digital asset veterans from @stripe, @SuperstateInc, @hifibridge, and @compoundfinance. Backed by @BainCapCrypto, @paraficapital, @nascent , @robotventures, @chapterone, and Consonant Ventures. - @rmcuming, CEO and @realsamyoon, CTO