Where do the returns come from?

Stablecoins are digital dollars designed to stay near $1. Your capital supports approved stablecoin payments, and you share the profit. Coinbase already earns substantial revenue from stablecoins. Goldsand gives everyday users access to this kind of profit without lending or interest.

Coinbase information as of July 2026. Its standard USDC rewards currently require Coinbase One membership in several regions, and it separately offers Morpho-powered USDC lending. See Coinbase’s USDC rewards page and lending documentation.

A stablecoin is a digital dollar designed to remain worth about $1. Goldsand uses established, reserve-backed digital dollars such as USDC and USDT. We select them based on their size, liquidity, track record, and published reserve reports.

Goldsand does not depend on a volatile asset rising in price. Your return comes from processing payments.

$250B+

USDT and USDC in circulation

USDT $183B

USDC $73B

Major payment companies using stablecoins

PayPal

Own stablecoin, available in 70 markets

Visa

130+ payment programs in 50+ countries

Mastercard

Settles card payments with stablecoins

Western Union

Own stablecoin for international payments

MoneyGram

USDC cash access across a 300,000-location network

R

Revolut

Spend USDC or USDT from a Revolut card

The circulation figures come from issuer reports. The company notes show different forms of adoption, not comparable circulation figures. Sources: Tether, Circle, PayPal, Visa, Mastercard, Western Union, MoneyGram, and Revolut.

Because the capital stays in stablecoins, your return does not move with volatile asset prices. A stablecoin can still lose its $1 peg in rare cases. We cover that risk and how we reduce it in our separate risk guide.

Imagine buying a chai at your favorite coffee shop with Mastercard. From your side of the counter, paying takes one tap. Behind that tap, the payment system verifies, routes, and settles the purchase.

The merchant pays a small fee for that work. The fee is split among the companies that make the payment possible, including Mastercard, processors, and banks.

Stablecoin payment networks work in a similar way. A person or business can send digital dollars to someone across the world. Operators help start, route, record, and complete the payment. They can earn fees for the work they perform.

Stablecoin payments are already large. McKinsey and Artemis estimate that people and businesses made about $390 billion in stablecoin payments during 2025, after excluding trading and automated transfers. See their stablecoin payments analysis.

One transaction earns only a tiny amount. The same capital can help process many transactions over time, so those small amounts add up. That is how Goldsand earns the profit rates shown in the app.

Buying Mastercard stock exposes you to everything Mastercard does. Goldsand works at the transaction level, so your capital is limited to powering zero interest, low risk transactions.

Your return comes from actual profit. It is not fixed interest, so it can rise, fall, or be zero. It is not guaranteed.