Introduction

Overview

The global yield landscape is broken. More than $17 trillion sits in traditional savings accounts worldwide earning less than 2% APY, while inflation erodes real value and banks capture the spread. At the same time, on-chain yield markets—from lending and tokenized T-bills to real-world asset pools—generate 5–10× higher returns, 24/7, transparently, and without intermediaries.

The Gap

Despite this opportunity, access remains limited:

For Users: Only 2% interact with DeFi directly; 40-50% are blocked by complexity and security risks.
For Institutions: Fintechs and neobanks lack the infrastructure for safe DeFi integration and compliance.

L2Pass was created to close this gap.

By building an agentic stablecoin yield infrastructure, L2Pass enables financial apps to connect directly to both DeFi and real-world yield markets instantly and safely.