Franklin Templeton Teams up with MoonPay to Let Big Investors Swap Stablecoins for Yields 24/7

Why It Matters

It gives institutions continuous yield on cash‑like assets and deepens the on‑chain liquidity layer, accelerating mainstream adoption of tokenized financial products.

Key Takeaways

• Institutions can exchange stablecoins for tokenized money‑market fund 24/7
• Integration uses Franklin’s Benji platform and MoonPay Trade infrastructure
• Franklin’s digital‑asset push includes new Franklin Crypto division after 250 Digital acquisition
• On‑chain yield is calculated per holding period, unlike traditional daily accrual
• MoonPay expands beyond payments into tokenized real‑world asset services

Pulse Analysis

Institutional appetite for on‑chain liquidity has surged as stablecoins become a de‑facto cash proxy in the crypto ecosystem. Franklin Templeton’s partnership with MoonPay taps that demand, offering a seamless bridge between fiat‑adjacent stablecoins and a tokenized money‑market fund that can be accessed at any hour. By embedding the service in its Benji Technology Platform, Franklin positions itself as a pioneer among traditional asset managers moving beyond legacy distribution channels, while signaling confidence that digital‑only yield products can meet the rigorous standards of large investors.

The technical integration leverages MoonPay Trade’s infrastructure to execute swaps without exiting the blockchain, preserving custody and reducing settlement risk. Unlike conventional money‑market funds that calculate interest at the close of each trading day, the tokenized version distributes yield proportionally to the exact time an investor holds the asset, effectively turning every second into a revenue‑generating opportunity. This 24/7 model aligns with the nonstop nature of crypto markets and offers a compelling alternative for treasury teams seeking higher efficiency and real‑time cash management.

Beyond the immediate product, the collaboration illustrates a broader shift toward tokenized real‑world assets. MoonPay, traditionally known for crypto payments, is extending its suite to include regulated investment products on‑chain, a move that could attract more traditional financial institutions wary of compliance hurdles. As regulators clarify frameworks for digital securities, partnerships like this may accelerate the convergence of legacy finance and decentralized infrastructure, paving the way for a universal liquidity layer that blurs the line between crypto and conventional markets.