Access cash, without selling your crypto – Portfolio Line of Credit now available.
GALAXY PREMIUM YIELD
Earn
8.00%
Yield
Built for U.S. accredited investors. Guaranteed by Galaxy Digital.
Yield is generated by Galaxy’s institutional lending business, active since 2018. Your funds are supported by an institutional-grade risk management framework designed to safeguard capital and deliver risk-adjusted returns.
Galaxy Premium Yield is guaranteed by Galaxy Digital Holdings LP (GDHLP), a subsidiary of Galaxy Digital Inc. (Nasdaq: GLXY). Trusted by institutions — now available on GalaxyOne to accredited investors looking for maximum yield on cash.
Features
Earn 8.00% Yield, Automatically
Interest is accrued daily and paid monthly in your GalaxyOne Cash account.
Customize Your Reinvestment Strategy
Choose to auto-reinvest your monthly interest into crypto, stock, or ETFs, or keep it earning in your GalaxyOne Cash account.
Simple, Fixed-Term Structure
Clear timelines and expectations, with 30 day liquidity.
Backed by Galaxy’s Institutional Strength
Guaranteed by Galaxy Digital Holdings LP, a subsidiary of Galaxy Digital Inc. (Nasdaq: GLXY).
For illustrative purposes only. Does not reflect actual account activity or market data.
How galaxy delivers
Built on market-leading lending infrastructure, Galaxy Premium Yield is designed to deliver meaningful returns for accredited investors seeking an edge. Unlock access to Galaxy Premium Yield on GalaxyOne through a fast, secure verification process powered by Parallel Markets by iCapital.
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How it works
Verify Your Status
Submit your verification documents in minutes and get approved within one business day.
To qualify as an accredited investor,
you must meet one of the following criteria:
• Annual income of $200,000 individually or $300,000 with a spouse
• Net worth exceeding $1 million, excluding primary residence
• Active Series 7, 65, or 82 securities license
Fund Your Account
Invest a minimum of $10,000 directly from within the app, and interest begins accruing the next business day. Your investment can be withdrawn at any time with 30 days notice from within the app.
Earn 8.00% Yield* on Cash
Interest is accrued daily and paid monthly. Choose to auto-reinvest it into your favorite stock or crypto, or keep it earning in your GalaxyOne Cash account. Rates subject to change with a 30-day notice period from Galaxy Digital LP.
Transparent by Design
Galaxy Premium Yield is issued by Galaxy Digital LP and guaranteed by Galaxy Digital Holdings LP, a subsidiary of the parent company Galaxy Digital Inc. (Nasdaq: GLXY) and is governed by clear investment terms disclosed below.
Investment Product
This is not a bank product and is not FDIC insured.
Rate May Change
A 30-day notice will be given before any rate change.
30-day Withdrawal Notice
To withdraw funds, a 30-day notice period is required.
Structured Limits
$10,000 minimum investment required for accredited investors.
Your questions, answered
Clarity, upfront
What is Galaxy Premium Yield and who is eligible to invest?
Galaxy Premium Yield is a USD investment note being made in a 506(c) Reg D offering issued by Galaxy Digital LP, providing 8.00% yield to U.S. accredited investors allowing them to participate in private securities offerings. * The interest rate on the note can be changed upon 30-day prior notice.
What is an accredited investor?
An accredited investor, as defined by the U.S. Securities and Exchange Commission (SEC) under Rule 501 of Regulation D, includes qualifying individuals and businesses permitted to invest in certain private securities offerings not registered with the SEC.
How do I know if I qualify as an accredited investor?
We can guide you through a short verification process during onboarding to determine your eligibility.
You may qualify as an individual accredited investor if you meet one of the following criteria:
Income: You earned over $200,000 (or $300,000 jointly with a spouse or spousal equivalent) in each of the last two years and expect to maintain that income this year.
Net Worth: You have a net worth over $1 million, individually or jointly with a spouse or spousal equivalent—excluding the value of your primary residence.
Professional Certifications: You hold certain financial licenses such as a Series 7, Series 65 or Series 82.
Your business may qualify as an accredited investor if your entity meets one of the following criteria:
Investments: Your entity owns investments in excess of $5 million.
Assets: Your entity is a corporation, partnership, LLC, trust, 501(c)(3) organization, or “family office” with excess of $5 million.
Owners as Accredited: All equity owners of your entity are accredited investors.
Learn more about GalaxyOne for Businesses: galaxy.app/business
How does the 8.00% Yield* work?
Galaxy Premium Yield currently pays an 8.00% yield. Interest will be payable on or before the fifth business day of each month and on the final Maturity Date in an amount equal to the interest earned during the prior calendar month. You will receive interest as cash into your GalaxyOne Cash account.
What are the investment minimums, fees and withdrawal terms?
The minimum investment is $10,000 for accredited investors. No platform or additional fees apply to this offering.
To withdraw, referred to as Repurchase in the Galaxy Premium Yield Private Placement Memorandum (PPM), a 30-day notice is required. The Repurchase period can be extended up to the maturity date by the issuer, Galaxy Digital LP, under certain circumstances.
The interest rate is subject to change with a 30-day notice period.
Is my investment FDIC insured, and who guarantees it?
Galaxy Premium Yield is an investment product, not a bank deposit, and is not FDIC insured.
The investment note is issued by Galaxy Digital LP and guaranteed by Galaxy Digital Holdings LP (GDHLP), which is a subsidiary of the parent company, Galaxy Digital Inc. (Nasdaq: GLXY).
Galaxy Digital Inc. produces audited financial statements and financial information at the GDHLP consolidated group level, which will be available as a footnote in the 10Q and 10K filings from Galaxy Digital Inc.
How does Galaxy manage risk for Galaxy Premium Yield?
Galaxy employs an institutional-grade risk management framework designed to safeguard capital and deliver risk-adjusted returns. We take a structured approach across all key risk categories—including market, credit, liquidity and operational—while operating under the oversight of more than 50 global regulators. Backed by a strong balance sheet, deep market expertise and Galaxy’s broader platform infrastructure, Galaxy Premium Yield is built to perform with resilience, even through periods of volatility.
In line with this discipline, Galaxy has implemented targeted investment controls: Premium Yield is initially capped at $250 million in total participation, with each client investment a $10,000 minimum. These parameters are designed to manage capital flows responsibly, maintain strategy integrity, and align with our commitment to long-term capital preservation and performance.
What role does Galaxy’s institutional lending desk play in offering Galaxy Premium Yield?
Galaxy’s treasury team and institutional lending business manages loans made by Galaxy Digital LP (or its affiliates), the issuer of Galaxy Premium Yield. Galaxy Digital Inc. provides disciplined risk management to support returns for investors.
Learn more.
How is the earned interest taxed?
You will be provided a 1099-INT tax form that shows your earnings for the full calendar year. Please consult your tax advisor to understand your specific tax obligations.
I’m an investor outside of the U.S. Can I access this product?
No. The GalaxyOne platform and this product are only available to U.S. accredited investors at this time.
Sign up to stay informed about potential international expansion.