GOAT Network recently announced a partnership with the Latin American fintech platform DitoBanx to launch a Bitcoin yield pilot project in Mexico, allowing over 100,000 users to earn BTC-denominated yields while keeping their Bitcoin fully self-custodied.

This pilot introduces GOAT Network's Safebox white-label product within DitoBanx's regulated mobile application. The solution combines fiat entry with compliance processes and employs a non-custodial yield structure, enabling users to participate in Bitcoin yields without having to entrust their assets to institutional custody or engage in lending programs.

A Structurally Distinct Way to Earn Bitcoin Yields

For a long time, Bitcoin yield products have largely relied on custodial models, where user assets are stored on exchange ledgers or generate yields through lending, re-staking, and other means. While such models lower the barrier to entry, they also introduce counterparty and credit risks, which have historically undermined market trust in Bitcoin yield products.

The Safebox pilot takes a different path in its structural design.

All deposited assets are principal-protected, and all yields are paid in Bitcoin, supported by GOAT Network's decentralized ordering reward mechanism. This model does not rely on lending, re-staking, or institutional balance sheet risks, but instead achieves Bitcoin yields by separating the regulated access layer from the yield mechanism itself.

This structure allows users to participate in yield programs without having to sell, wrap, or relinquish ownership of their Bitcoin.

Bridging Compliance Access and Self-Custody

This collaboration reflects a potential direction for Bitcoin financial products evolving towards mainstream users.

DitoBanx provides a regulated access layer that includes KYC, fiat channels, and a mobile experience familiar to users; at the same time, the design of the yield structure avoids embedding user assets in custodial ledgers or credit-based financial products. This separated architecture enables users to participate in Bitcoin yields through a compliant fintech platform while still retaining control over their assets.

Kevin Liu, a core contributor at GOAT Network, stated:

"By partnering with DitoBanx and launching the BTC yield pilot with Safebox, we are taking an important step towards a more inclusive next-generation finance. We are working together to bring Bitcoin-based yields to ordinary users in Mexico, providing true financial freedom, innovation, and long-term sustainability to emerging markets."

The pilot offers an annual percentage yield (APY) of 1.5%, calculated proportionally over a three-month term. After the pilot concludes, users can withdraw their original Bitcoin along with the yields earned.

Expanding Bitcoin Financial Accessibility in Latin America

For DitoBanx, this pilot represents an important step in promoting practical Bitcoin financial services in Latin America.

Guillermo Contreras, CEO of DitoBanx Latin America, stated:

"This pilot collaboration with GOAT Network is a significant turning point for our customers in Mexico. For the first time, users can hold Bitcoin in a completely non-custodial account—always maintaining full control of their private keys—while still earning yields without having to sell, wrap, or relinquish ownership of their Bitcoin. This is the kind of financial innovation we believe in: empowering people to grow their wealth without sacrificing sovereignty, transparency, or security. For DitoBanx, this project further strengthens our commitment to building a truly user-centric financial infrastructure on top of Bitcoin, rather than just layering products on top of it."

Currently, DitoBanx operates in seven countries, including Mexico, the United States, Panama, and El Salvador. As the pilot in Mexico progresses, both parties plan to explore expanding the product to other markets where DitoBanx operates.

A Potential Evolution Path for Bitcoin Savings Products

Although still in its early stages, this pilot showcases a possible development direction for Bitcoin savings products. Fully custodial yield models have advantages in distribution and compliance but often reintroduce credit and counterparty risks; while purely non-custodial systems, although reducing these risks, struggle to reach mainstream users who rely on compliant platforms for account opening and payments.

In this context, a hybrid structure where regulated entities handle access and distribution while the yield mechanism remains aligned with Bitcoin's minimal trust architecture may provide a more viable middle path. If this model proves scalable, it could offer a robust template for integrating Bitcoin yield products into the mainstream financial system without repeating the structural risks of past models.

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