Banks pay you less. We show you where your money works harder.
Master YieldAlley’s simple cash management system — combining Treasury yields, fintech platforms, and stablecoin strategies — to earn more on every dollar.
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Make Your Cash Work Harder in 3 Steps
1) Compare
See where idle cash earns more — from T-Bills and money market funds to high-yield fintech accounts and simple, plain-English stablecoin options.
2) Allocate
Use our plain-language playbooks to split cash between a safer core (Treasury-backed) and satellite opportunities (fintech or stablecoin yield) depending on your risk tolerance.
3) Automate
Set calendar nudges and simple rules to keep yields current. We send a weekly email with the best opportunities and clear next steps.
Show Me the Money!
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Account Type | Example | Typical Yield or APY | Access to Cash |
|---|---|---|---|---|---|---|---|---|
| 1 | Admin | 10/28/2025 12:20 PM | Admin | 10/28/2025 12:31 PM | High-Yield Savings Account | Ally / SoFi / Marcus | ≈ 3.80% | Same-day withdrawal to linked bank (ACH 1-2 days) |
| 4 | Admin | 10/28/2025 12:29 PM | Admin | 10/28/2025 12:29 PM | 1-Year Brokered CD | Fidelity / Schwab / Vanguard | ≈ 3.80% (fixed rate) | Locked 12 months – FDIC insured to $250K |
| 5 | Admin | 10/28/2025 12:29 PM | Admin | 10/28/2025 12:32 PM | 3-Month U.S. Treasury ETF | SGOV / BIL | ≈ 4.00% (SEC Yield) | Trade T+1 (one-day settlement) |
| 6 | Admin | 10/28/2025 12:29 PM | Admin | 10/28/2025 12:31 PM | Stablecoin Platform | Coinbase USDC | 4.5% | Instant access |
| 7 | Admin | 10/28/2025 12:30 PM | Admin | 10/28/2025 12:30 PM | Big Bank Savings Account | Chase / Wells Fargo / Bank of America | ≈ 0.01% | Instant access |
Explore Brokerage and Cash Management Playbooks
Learn how to put your cash to work with our in-depth guides. Compare cash products, brokerage options, and more — all explained in plain English.
View All Cash Guides
Brokered CDs
Earn fixed rates with a ladder of brokered CDs, which almost always outearn bank CDs.
Money Market Funds
Access your cash in money market funds and take advantage of automatic income with certain brokerage accounts.
Treasuries
Pick the right Treasury Bills, Notes, Bonds or Treasury ETFs (our favorite!) for instant liquidity.
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