Insurance-Backed Yield
for Cash Reserves
Outperform daily rates with contractual fixed returns
and on-demand access. Backed by A‑rated U.S. insurers.
WHY OLIVETREE
Pension-Grade Protection
Your reserves sit at the statutory policyholder level
of an A‑rated ($100B+) U.S. insurer's general account,
ranking senior to all corporate debt and equity. Every allocation is backed 1:1 by a direct carrier obligation
with zero fund-level leverage or derivative products.
Every allocation is backed 1:1 by a direct carrier obligation with zero fund-level leverage or derivative products.
Contractual Yield,
Zero Uncompensated Risk
Multi-year cash reserves shouldn't earn overnight rates. Outperform daily money-market funds, commercial paper, and overnight swap funds by +150 to +210 bps (~110 bps over the 3-Year U.S. Treasury).
Returns are contractually locked with no equity beta, no 24-hour swap-reset risk and no 90-day refinancing cliffs.
$1.00 Par Book Value,
T+1 Liquidity
Direct Wholesale Access,
Low-Fee
Turnkey Distribution,
White-Label Rails
Built to serve core cash reserves alongside daily T-Bill MMFs and overnight yield products on qualified custodians, exchanges, and treasury platforms.
Offer A‑rated insurance yield natively or white-label via API while capturing a transparent institutional revenue share on routed AUM.
THE PROCESS
How it Works
Proven Industry Experience
Regulatory Excellence
Principal Protection
Governed by U.S. state insurance law, policyholder obligations hold an absolute legal priority claim over an insurer's general account assets ahead of bondholders and shareholders.
Risk Mitigation
Assets are ring-fenced 1:1 in a bankruptcy-remote structure, with custody maintained independently through regulated institutions. Olivetree does not
hold your funds.
Cayman Islands Domiciled
Structured by Tier-1 U.S. insurance and offshore legal counsel
to provide tax-efficient institutional access
for global treasuries, offshore funds, and digital asset platforms.