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Plume, the blockchain network built specifically for real-world asset finance, has teamed up with ReahPlatform to give small and medium businesses around the world access to US Treasury and credit-backed yields reaching up to 12% APY. The partnership channels traditional finance instruments through Plume’s Nest vault protocol, effectively packaging institutional-grade products for an audience that historically couldn’t touch them.
The vaults are non-custodial, meaning users retain control of their assets rather than handing them over to a centralized intermediary.
The base layer of the yield structure starts with US Treasuries, which currently offer around 5% APY. That’s the conservative floor. The up to 12% APY figure comes from select credit-backed configurations that layer additional yield on top of the Treasury foundation.
ReahPlatform’s role in this arrangement centers on facilitating treasury management solutions for the SMB audience. Plume’s vault partners include major asset management firms such as Apollo and PIMCO, along with institutional-grade custodians like Anchorage and Fireblocks.
The platform received digital asset licensing in Bermuda in May 2026, which provides a regulatory framework for curating vaults. On the technical expansion front, Plume has plans for multichain deployment of its Nest vaults, with Solana integration planned for December 2025.
That said, the 12% APY figure deserves scrutiny. The base Treasury rate of around 5% is straightforward and transparent. The additional yield from credit-backed configurations introduces credit risk that investors need to understand. “Up to” is doing heavy lifting in that marketing number. The actual yield any individual user receives will depend on which vault configuration they choose and the risk profile of the underlying credit instruments.
Disclosure: This article was edited by Editorial Team. For more information on how we create and review content, see our Editorial Policy.
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