Earn from Every Swipe: BlackOpal’s Credit Vault Now Live on Nest

Every time someone swipes a credit card in Latin America, there’s a hidden yield opportunity.

Until now, that yield was reserved for institutional investors. But with Nest’s new BlackOpal LiquidStone II vault, now you can access it too. 

With Nest, you can now access tokenized exposure to Brazilian credit card receivables. Turn Brazil’s credit system into your income stream, no matter where you live.

In other words, you can now earn the same kind of steady, real-world yield that was once reserved for private credit funds, starting with just a few stablecoins.

How Everyday Payments Become Onchain Yield

Here’s what’s happening behind the scenes:

When someone in Brazil swipes their credit card, the store doesn’t get paid right away. It can take 30 days or more for the card issuer to settle the funds, these pending payments are called receivables.

BlackOpal bridges that gap. It purchases those receivables upfront and gives merchants instant liquidity. When the card company eventually pays, BlackOpal earns a small return for fronting the cash early, a return that flows back to Nest users in the form of stable, onchain yield.

BlackOpal’s receivables fund is backed by AA+-rated repayment systems and a zero-default track record, while Plume’s Nest vaults are built for predictability: short-duration, real-revenue assets that balance risk and reward, delivering steady performance through any market cycle.

Together, Plume and BlackOpal are building yield that lasts. Real income powered by real economies.

A Smarter Way to Earn in Any Market

The BlackOpal vault opens access to the kind of returns and stability once limited to institutional investors:

• High, steady yield: Up to 14% APY from real short-term credit flows.
• Predictable liquidity: 24/7 redemptions mean easy access to your capital.
• Diversification that matters: Exposure to Brazil’s payments market adds both geographic and sector diversity.
• USD-hedged stability: All exposure to the Brazilian real is fully USD-hedged, keeping your returns steady and protected from currency fluctuations.
• Blue-chip DeFi backing: Around half of the vault’s assets are held in blue-chip DeFi protocols to ensure deep liquidity and smooth redemptions at any time.
• DeFi composability: Use nOPAL as collateral, loop it for advanced strategies, or simply hold and earn.

Its yield backed by real commerce, not speculation.

Meet Nest

Nest is the flagship staking protocol from Plume. Think of Nest as your gateway to real-world yield. 

At its core, Nest is a set of vaults that convert real-world assets, like credit payments, treasuries, and ETFs into stable onchain income. Instead of chasing volatile DeFi yields, Nest lets you earn steady returns from the assets that power global economies.

Nest now acts as a centerpiece of Plume’s mission to merge institutional-grade RWA yield with DeFi-style liquidity and composability, rewarding users who drive real ecosystem growth.

And the best part? When you invest in a Nest vault today, you’ll join the Plume Nest Points (PNP) Program. It’s an all-new incentive system that ties vault participation directly to the value of PLUME. Get rewarded while you invest.

Looking Ahead

From Brazil’s credit markets to global fixed income, the next phase of Nest will unlock a new wave of retail-accessible, yield-bearing opportunities that are transparent, compliant, and onchain.

The world’s financial flows are being rebuilt on new rails. Nest is making sure those rails are open to everyone.

→ Explore the BlackOpal vault on Nest and start earning real yield today.

‍