GalaxyOne Offers Accredited Investors Up to 8% Yield and Unified Platform for Cash, Crypto, and Equities

Yield Products Lead with 8.00% for Accredited Investors

Galaxy Digital Inc. (NASDAQ/TSX: GLXY) is expanding access to its financial expertise with the launch of GalaxyOne, a new U.S.-focused platform designed for individual investors seeking competitive returns and all-in-one trading. Accredited investors now have the chance to earn up to 8.00% APY through the Galaxy Premium Yield note, while all users can earn 4.00% APY on cash—well above typical savings rates from major banks.

Both offerings reflect Galaxy’s ongoing strategy to extend its institutional-grade capabilities to a broader market. The Galaxy Premium Yield note, issued via Galaxy Digital LP, requires a $25,000 minimum investment and is capped at $1 million per investor, with a $250 million program limit. Notably, yields are powered by Galaxy’s established institutional lending arm, which has operated since 2018. The cash product, on the other hand, offers FDIC insurance up to $250,000 via partner Cross River Bank, providing risk-aware savers with peace of mind and a consistent 4.00% APY (as of 9/23/2025).

Platform Consolidates Crypto, Equities, and Yield Under One Roof

One standout feature of GalaxyOne is its seamless integration of traditional and digital finance. In addition to its high-yield cash and investment note offerings, GalaxyOne users can access transparent crypto trading—covering blue-chip tokens such as bitcoin (BTC), ethereum (ETH), and solana (SOL)—and commission-free trading for over 2,000 U.S. stocks and ETFs. For equity investors, fractional shares can be traded with just $10, and retirement options like IRAs are available. GalaxyOne also introduces a Stock Lending Program, letting users earn extra income by lending out eligible securities, subject to certain risks.

Key Features Point to Increased Flexibility and Investor Choice

• Auto-Reinvest to Crypto: All investors can opt to auto-reinvest cash yields directly into supported crypto assets—a distinctive twist for yield-seekers open to digital assets.
• Mobile and Web Access: Available nationwide, GalaxyOne is designed for investors who demand accessibility and streamlined interfaces, whether on mobile or desktop.
• Professional Oversight: The platform is overseen by Galaxy’s seasoned team, led by Zac Prince, with development roots tracing back to its 2024 acquisition of Fierce.

Risks and Considerations Remain Central for Yield Seekers

While the potential for outsized yield is a highlight, it comes with notable trade-offs. The 8% Galaxy Premium Yield note, though appealing, is not a bank product nor FDIC-insured and exposes investors to lending business risks. The cash product offers the safety of federal insurance but at a lower rate than the investment note. For those participating in crypto trading or the Stock Lending Program, the inherent volatility and operational complexities of these products warrant extra attention.

A Broader Shift Toward Hybrid Financial Platforms

GalaxyOne's launch is emblematic of a growing trend: blending digital asset capabilities with the rigor and safety features of traditional finance. This convergence lets investors customize their yield strategies and exposure while benefiting from an institutionally developed infrastructure—something previously reserved for high-net-worth or institutional clients. The presence of professional oversight, high yields, and all-in-one access is likely to attract a range of investors seeking more flexibility without giving up on risk controls or user experience.

Bottom Line: A High-Yield, Integrated Platform—But Diligence Is Still Key

With competitive APYs and a platform uniting cash, crypto, and equities trading, GalaxyOne brings institutional features to retail investors. The risk-reward equation remains a critical factor—particularly for those eyeing higher yields through the Premium Yield Note. As hybrid finance evolves, Galaxy’s strategy could signal what the future holds for both mainstream and crypto-forward portfolios.

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