> For the complete documentation index, see [llms.txt](https://neox-3.gitbook.io/neox-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://neox-3.gitbook.io/neox-docs/overview/2.-the-opportunity.md). # 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.**