Executive Summary

Utila has partnered with Osero to make Osero Earn available within the Utila platform, giving clients direct access to the Sky Savings Rate. Institutions already managing assets through Utila can allocate funds to Osero Earn from their existing wallets. Utila governs the transaction through the organization’s established approval policies, limits, and signing controls, while Osero manages the underlying yield infrastructure. The result is a simpler way for treasury teams to earn on balances that would otherwise remain idle, without transferring assets into a separate wallet environment or introducing another operating system.

Idle Stablecoin Balances Need a Better Route to Yield

As stablecoins expand across payments, settlement, liquidity management, and corporate treasury, institutions are holding larger balances across these operations. Some of those funds must remain immediately available, but other balances may stay unused between transactions or settlement cycles.

Putting those assets to work can require treasury teams to evaluate protocols, select strategies, monitor positions, and manage transactions through unfamiliar DeFi interfaces. That introduces responsibilities many fintechs and payments companies were never built to assume.

Osero, incubated by Stablewatch, approaches yield as a savings product. Osero Earn gives institutions access to the Sky Savings Rate without requiring them to select between protocols or operate a multi-strategy DeFi portfolio.

The savings rate comes from Sky, formerly MakerDAO, whose capital allocation network supports USDS. As of May 2026, USDS had $11 billion in total backing and $5.47 billion in actively stabilising collateral, according to the Sky Ecosystem dashboard. For treasury teams, this provides a transparent route to a leading source of risk-adjusted stablecoin yield.

How the Osero and Utila Integration Works

Treasury yield becomes more useful when allocating funds does not require a separate set of wallets, permissions, and operational procedures.

An institution holding stablecoins in Utila-managed wallets can access Osero Earn directly through the Utila platform. Its treasury team selects the balance it wants to allocate and initiates the transaction from the same environment used for its other digital asset operations.

Before funds move, Utila applies the institution’s existing controls. These can include permitted initiators, approval thresholds, transaction limits, and approved addresses or smart contracts. Once the required conditions are met, the transaction is signed through Utila’s MPC infrastructure and the assets are deployed through Osero to earn the Sky Savings Rate.

Redemptions follow the same governed process. Treasury and operations teams retain visibility over the wallets, approvals, and transactions involved rather than managing the position through a separate interface.

For institutions already using Utila, adding Osero Earn extends the purpose of their existing treasury infrastructure. The same wallets that support payments, settlements, and liquidity management can now also support governed access to stablecoin savings.

Osero as a Specialist Yield Layer in the Stablecoin Stack

The partnership follows the Stablecoin 2.0 principle guiding Utila’s approach: institutions should be able to choose specialist providers for each function without surrendering control of the wider operating stack.

Osero focuses on stablecoin savings and the infrastructure connecting institutions to the Sky Savings Rate. Utila provides the wallets, signing infrastructure, policy engine, and operational controls through which those assets are managed.

Institutions can therefore add a dedicated savings provider without replacing their treasury infrastructure or adopting a bundled platform for every part of their stablecoin operation. Yield becomes another composable function alongside payments, liquidity, settlement, compliance, and issuance.

The provider layer remains modular, while treasury teams retain a consistent environment for controlling how funds move between each part of the stack.

Leadership Perspectives

Both companies see treasury-native access as essential to making stablecoin yield practical for institutions.

“By making Osero Earn available within Utila, we are giving clients access to the Sky Savings Rate while preserving the security, approval policies, and operational control applied across the rest of their treasury.”

“Stablecoin treasury teams should be able to put idle balances to work without moving assets outside the environment they already use to govern them,” said Bentzi Rabi, Co-Founder and CEO of Utila. “By making Osero Earn available within Utila, we are giving clients access to the Sky Savings Rate while preserving the security, approval policies, and operational control applied across the rest of their treasury.”

“This is what Osero Earn is built for: making yield a feature of the products people already use, not a separate destination they have to seek out.”

“This is what Osero Earn is built for: making yield a feature of the products people already use, not a separate destination they have to seek out.” said Piotr Saczuk, Founder at Osero.

Bring Stablecoin Savings Into Your Existing Treasury Workflow

With more than $300 billion in stablecoins in circulation, larger balances are being managed across fintech, payment, and treasury operations. Funds that remain idle between settlement cycles carry a growing opportunity cost.

Osero Earn and Utila give institutions a direct way to address it. Treasury teams can access the Sky Savings Rate from within Utila while retaining the wallet security, approval structure, and transaction governance already supporting their stablecoin operations.

Speak with the Utila team to learn how Osero Earn can become part of your stablecoin treasury strategy.