# 2. The Opportunity
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. Yet, despite this massive opportunity, almost no one can access it. Even within crypto: * Only **2% of users** interact with DeFi directly. * Over **40–50%** express a desire to but are blocked by complexity, security risks, and lack of simple, compliant entry points. And for fintechs or neobanks, the challenge is even greater: * They lack the infrastructure to connect user deposits to yield safely. * Building in-house DeFi access requires costly integrations, risk controls, and compliance overhead. * Their users remain stuck in legacy rails, fiat deposits earning near-zero while new digital economies outperform. **This gap between intent and access, between yield and usability, is one of the largest untapped opportunities in finance.** **Neox** was created to close it. By building an **agentic stablecoin yield infrastructure**, Neox enables neobanks, fintechs, and financial apps to connect directly to **both DeFi and real-world yield markets** instantly, safely, and without complexity. That means: * Users earn globally competitive returns through their existing fintech or neobank apps. * Institutions maintain compliance and custody standards. * Liquidity flows where it performs best... automatically. Beyond returns, the implications are global.\ In emerging markets, users can deposit their local currency (pesos, naira, lira), which is converted into USD-backed stablecoins creating access to stable yields, a hedge against currency depreciation, and new pathways to long-term wealth creation. > **Neox represents a new chapter for global finance where yield is intelligent, autonomous, and accessible to everyone.** --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://neox-3.gitbook.io/neox-docs/overview/2.-the-opportunity.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.