What We’re Seeing
The Next Wave of User Expectations
Before joining Paxos, I spent six years at Cash App and Square, where I saw firsthand how powerful it is to embed new financial products into the platforms people already use every day. When done well, it builds trust, deepens engagement, and helps users manage more of their financial lives in one place.
We’re now seeing that integrated playbook take hold in crypto. As adoption grows, more platforms—whether fintech apps or traditional financial institutions—are offering access to stablecoins and digital assets. But as access becomes standardized, differentiation will come from what users can do with those assets.
Users increasingly expect crypto to unlock meaningful financial capabilities: earning yield, borrowing against their holdings, or tapping into investment strategies they can’t get through traditional finance.
And we’re already seeing the shift play out:
- Coinbase now offers BTC-backed loans and easy access to staking rewards
- FinTechs like Lemon Cash in Argentina let users earn DeFi yield right from their mobile wallets
- Platforms are offering stablecoin access and yield via assets like USDG
These integrations represent a deeper trend: every financial platform will need to embed this next generation of on-chain financial products to attract, retain, and grow their user base.
But building these kinds of experiences natively isn’t easy. Teams are dealing with:
- Fragmented and constantly evolving DeFi ecosystems
- Complex operational and risk management requirements
- Technical hurdles around smart contract risk, cross-chain bridging, and yield distribution
The opportunity is massive—but unlocking it requires infrastructure that makes these capabilities accessible, safe, and scalable.
The Missing Link in RWA Adoption
At the same time, we’re seeing challenges emerge for the supply side of the ecosystem.
At Paxos, I was closely involved in launching a number of tokenized assets, including USDG and USDL, a yield-bearing stablecoin. That experience gave me a deep appreciation for what it takes to bring compliant, high-quality assets to market. There’s a lot of behind-the-scenes work that goes into getting it right.
But the biggest takeaway for me was that issuance is just the first step. The bigger challenge is turning those assets into programmable, composable building blocks that others can easily integrate and use.
Most issuers today simply aren’t equipped to handle this challenge when it comes to distribution and adoption. They face:
- Limited ability to drive integration across DeFi platforms
- Minimal tooling for yield distribution or compliance management
- A lack of standardized infrastructure that makes it easy for platforms to plug in tokenized assets and build on top of them
Introducing Paxos Labs
Paxos Labs provides fintechs, enterprises, and crypto-native teams with the infrastructure to create embedded on-chain products like branded stablecoins, tokenized yield strategies, and structured investment products—all without needing to manage the complexity of DeFi themselves.
To power these experiences, we connect platforms to a curated network of high-quality RWA issuers. These issuers supply the regulated assets—such as stablecoins and tokenized treasuries—that serve as the foundation for on-chain products.
With Paxos Labs, platforms get access to enterprise-grade infrastructure that makes it easy to build, brand, and integrate tokenized financial products. We provide the tools to launch offerings that are:
- Enterprise-grade and secure
- Embedded directly into end user experiences
- Backed by programmable yield strategies and high-quality tokenized collateral
For issuers, Paxos Labs unlocks new distribution channels by making it easier for platforms to embed these tokenized RWAs into their on-chain product suite.
What You Can Build with Paxos Labs
Paxos Labs gives builders the infrastructure to launch trusted, scalable on-chain financial products.
Here’s what you can build today:
✦ Branded Stablecoins
Launch custom-branded stablecoins collateralized by high-quality regulated assets. Mint and redeem across chains, control yield distribution, and configure branding.
✦ Yield Strategies
Enable users to deposit into embedded vaults that generate yield on stablecoins, BTC, ETH, and other assets. Choose from predefined strategies or design custom vaults tailored to your users.
✦ Structured Financial Products
Create advanced tokenized investment vehicles — from fixed income-style vaults to carry trade strategies. Seamlessly integrate KYC gating, whitelist enforcement, and issuance controls.
And this is just the start. Our goal is to make Paxos Labs the default infrastructure layer for on-chain financial products across the world.
Who We’re For
We’re building for:
- Financial applications embedding stablecoin and yield products into their platforms
- Protocols and networks that need native assets to drive liquidity
- RWA issuers looking to scale distribution across DeFi
If you're a platform ready to integrate DeFi products or an RWA asset issuer looking to scale your distribution…let’s chat!
Get in touch → paxoslabs.com/connect
Read the press release → paxos.com/newsroom/paxos-launches-new-start-up-to-expand-access-to-on-chain-markets
Follow us on X → @PaxosLabs