Ramp helps businesses earn and pay from one stablecoin balance with Open USD
Section: Earn more and pay everywhere
Ramp, the financial operations platform for more than 85,000 businesses, has partnered with Open Standard to power Ramp Stablecoin Accounts with Open USD (OUSD). Businesses now see one USD stablecoin balance, with OUSD underneath, that earns competitive rewards and funds payments around the clock, all inside the platform they already use for spend, payments and accounting.
Earn more and pay everywhere
Earn on your balance. Businesses holding a stablecoin balance on Ramp earn rewards from Ramp. Open Standard shares nearly all of its reserve income with the partners that use it, which helps Ramp offer competitive rewards on stablecoin balances.
Pay 24/7. Fund payments to vendors and contractors in 140+ countries from your stablecoin balance, any day, any time. More than 70% of stablecoin payment volume on Ramp already moves outside banking hours.
Everything stays in Ramp. Your stablecoin balance sits next to your Ramp cards, bill pay, and accounting, so you can send and receive OUSD without a separate exchange, wallet workflow or accounting process. One system for every way you pay or hold money.
Accepted across a growing network. Open Standard's founding partners include Coinbase, Mastercard, Shopify, Stripe, and Visa, with over 200 financial institutions, fintechs, banks, and global businesses also adding OUSD to their platforms. As more platforms accept OUSD, Ramp customers will be able to send and receive it directly, without ever needing to convert between other stablecoins.
The Problem
Banking hours limit money movement. Wires have cutoff times, cross-border payments have to wait on correspondent banks, and a Friday invoice can skip to next week. Stablecoins fix that. They move 24/7 and settle nearly instantly. That’s why Ramp opened Stablecoin Accounts to customers in July 2026.
But not every stablecoin is aligned with the businesses that hold it. Most issuers keep the income earned on their reserves, so the value a business generates goes to the issuer rather than to the business. Some charge fees just to mint or redeem. That leaves a lot of value on the table for Ramp and its businesses.
Why Ramp chose Open USD
As balances grew and stablecoins became strategic for Ramp, investing in a stablecoin with a business model that aligned with Ramp's long-term ambitions became more important.
OUSD is designed for long-term alignment with partners. OUSD shares nearly all reserve income directly with the partners that hold and distribute it. Open Standard allows partners to mint and redeem OUSD 1:1 with US dollars at no cost, offering deep liquidity and saving customers money. As OUSD grows on Ramp, that value stays with Ramp and the businesses who hold and use it.
“Our partnership with Open Standard brings together 24/7 payments, competitive economics, deep liquidity, and a growing ecosystem of partners—all focused on making money movement more effective for Ramp customers. Together, we’re helping drive adoption of technology that lets businesses move money whenever they need it.”
“We’re building the most useful stablecoin, and Ramp understood that from day one. Ramp moves fast and cares deeply about user experience; they seamlessly integrated OUSD so their customers could benefit without needing to think about which stablecoin they’re using. We’re excited to work with Ramp to make stablecoins everyday money for businesses."
Growing Together Onchain
By design, no single partner controls Open Standard, so companies and institutions adopt OUSD knowing the collective network is always prioritized. Every institution that adopts it makes every OUSD balance more useful. As OUSD activity grows, the value to Ramp and its customers grows with it.
That growth matters especially for companies that already run on stablecoins. Their finance teams have typically managed two separate stacks: one for onchain treasury and payments, and another for payroll, cards and vendors paid in fiat. With Ramp and OUSD, a stablecoin-native CFO can bring both into one platform, close the books in one place, and earn on idle stablecoins.
Build With Us
Run your finances on Ramp?
Hold, earn on and send stablecoins from the same account you already use.
Open a Ramp Stablecoin Account →
Interested in building with better money?
Move to Open USD and earn on the balances you bring to the network.