Niural Wallet Cash Rewards

Niural Wallet's Cash Rewards Program enables Web3 and crypto-native businesses to earn yield on operating capital while managing treasury operations. Operating funds held in Niural Wallet earn up to 3% Annual Percentage Yield (APY) on USD balances through a tiered reward structure that provides higher rates for larger balances.

Treasury Yield Features

Automated Daily Accrual - Rewards accrue daily on all USD balances and are credited automatically on the first of each month. No lockup periods, no minimums, and no setup fees required to activate the rewards program.

FDIC-Insured USD Balances - USD balances are FDIC-insured through banking partner i3 Bank (Member FDIC) up to $250,000 per entity, providing institutional-grade security for operating capital.

Float Optimization - When running PEO or payroll, funds remain in the rewards-earning wallet until the actual payout date, maximizing yield on float. For bi-weekly payroll cycles, companies earn rewards on the full balance between pay periods.

Multi-Currency Treasury - Hold and convert between USD, EUR, ETH, USDC, and USDT in a single unified wallet, enabling flexible treasury management strategies while earning yield on fiat holdings.

Integration with Banking Partners - Niural works with tier-1 banking partners including i3 Bank, JP Morgan Bank, Chase, and Wells Fargo for US operations, ensuring enterprise-grade reliability and regulatory compliance.

Business Impact

Companies using Niural Wallet for treasury management report maximized returns on operating capital that would otherwise sit idle in traditional business checking accounts. The platform is particularly valuable for Web3 companies maintaining both crypto treasury positions and fiat operating expenses, providing yield generation without sacrificing liquidity or access to funds for payroll and operational needs.

SOC 2 Type 2 certification ensures enterprise-grade security controls for all treasury balances, while transparent pricing with no hidden spreads or account fees provides predictable cost structures for financial planning.