Who needs a USD-yielding token? The answer might surprise you

RainFin has just launched the USD Private Credit Token (USD-PC Token), backed by a USD private credit strategy managed by Garrington Capital. This isn’t just another digital asset—it’s a game-changer for individuals and businesses looking to protect their cash from currency devaluation and optimize their global treasury management.

But who exactly needs a USD-yielding token?

?? 1. Individuals and Businesses Protecting Against Currency Devaluation

If you’re based in a country where inflation and currency volatility are the norm, holding cash in local currency means losing value over time. Many businesses and individuals already hold USD stablecoins as a hedge against devaluation.

The problem? Most stablecoins earn 0% interest. The USD-PC Token provides a 9% yield after fees, allowing holders to earn a return on their capital without traditional banking or investment hurdles.

?? Example:

A South African business holding R10 million in working capital can now convert it to USD-PC Tokens via RainFin. Instead of watching that capital erode due to inflation, the business earns yield while still keeping liquidity.

?? 2. Global Treasury Managers & Businesses Operating Across Borders

For businesses with global exposure, managing cash flows across multiple currencies is complex and expensive. Large multinational corporations already use money market funds and treasury solutions to optimize cash management, but these options are often limited to institutional investors.

With RainFin’s USD-PC Token, businesses of all sizes can now efficiently hold and earn yield on USD without jumping through regulatory hurdles.

?? Example:

A tech startup in Nigeria receiving international payments in USD stablecoins doesn’t want to hold idle stablecoins yielding 0%. By swapping into USD-PC Tokens, they earn 9% while keeping funds liquid, without needing a U.S. bank account.

?? 3. Stablecoin Holders Seeking Yield (DeFi & CeFi Users)

There’s currently over $200 billion in stablecoins circulating globally. Most of it sits idle, earning nothing. USD-PC Tokens offer a compelling alternative:

? Swap from USDC, USDT, or other stablecoins

? Earn 9% APY, far higher than CeFi platforms

? Redeem and withdraw back to stablecoins anytime

?? Example:

A Brazillian investor holding $50,000 in USDC in their wallet can swap into USD-PC Tokens and earn $4,500 in passive income per year—without taking on volatile crypto exposure.

? What’s Now Possible That Wasn’t Before?

For South African investors, RainFin’s regulatory framework removes barriers that previously required applying to the South African Reserve Bank for offshore investment allowances. Investors can now:

1. Register on RainFin

2. Deposit ZAR

3. Convert to USD-PC Tokens

4. Hold exposure to USD private credit assets without dealing with SARB approval

5. Redeem back into ZAR when needed

This is a major breakthrough in simplifying global investment access for South Africans.

The Future of USD-Yielding Digital Assets

The USD-PC Token launch isn’t just about offering a higher-yielding alternative to stablecoins—it’s about unlocking new financial opportunities for businesses, treasury managers, and individuals worldwide.

With $5 million already subscribed and a tracked yield of over 10%, we’re just getting started.

Are you ready to earn on your idle USD?

?? Learn more here: RainFin USD-PC Token