From Goldman to DeFi: Building Institutional Yields for Stablecoins and BTC

Founder Arpin details Noon: an institutional-grade, yield-bearing stablecoin built for transparency, proof-of-solvency, and risk-managed, high low-risk yields for retail and institutions.

Key Takeaways

Noon is a long-term yield-bearing stablecoin delivering outsized low-risk yields (7–11% APY) versus peers by prioritizing institutional-grade risk management and consistent performance.
Implements third-party and on-chain proof-of-solvency (Accountable); verification and transparent underlying data sources are positioned as table-stakes for institutional trust.
Automated allocator deploys across DeFi, CeFi, and TradFi (CLOs, private credit, US T-bills, lending/arbitrage), dynamically reallocating to preserve highest risk-adjusted yields.
Product stack: dual stablecoins (USN non-yield, SUSN yield-bearing), one-way vaults, TBTC-denominated vaults, leverage loops, LP vaults, and governance-token staking options.
Security and alignment: self-funded, no VC/LP deals, 20% team allocation with seven-year vesting, long-term focus on safety and reduced insider advantages.
Go-to-market: prioritize infrastructure, compliance, and risk controls to win crypto-native institutions, use B2B2C TradFi distribution, and expand retail via large distribution partners.

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