field report 040 · private credit

T-Bill Yield Floor Is Quietly Rewiring On-Chain Money

Where risk-free short duration meets stablecoin float, spreads compress and distribution becomes the only moat.

by Mika Okabe, Senior Analyst, Credit

published · last updated

7 min

Distribution is the product

When every program holds the same bills, the differentiator becomes who holds the user. That pushes issuers toward wallet, broker, and treasury-management integrations rather than yield promotion.

sources

  1. [1]Stablecoin float estimates — Rawer dataset. Retrieved .

frequently asked

Does fee compression threaten smaller issuers?
It raises the minimum viable scale, particularly for programs carrying audit and transfer-agent costs.

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