Reflect Money has launched Create, a tool that allows users and applications to deploy custom yield-bearing stablecoins on Solana in a single transaction. The protocol announced the launch on October 22, 2026, aiming to make it easy for any app on Solana to have its own stablecoin.
How Create works
Create simplifies the process of launching a stablecoin by providing a menu of reviewed collateral options, eliminating the need to build collateral systems, liquidity plumbing, and redemption logic from scratch. According to the research findings, the collateral options include USDC+, senior tranches, and tokenized assets. Each option backs the new token and generates the yield that holders earn.
Tokens launched through Create are designed to integrate directly with Solana decentralized exchanges, including Jupiter and Titan, so a newly minted coin can trade on day one. Minting and redeeming happen atomically, with no queues—users either receive their tokens or their money back in the same instant.
Issuers can retain a percentage of the yield their stablecoin generates, turning a stablecoin from a cost center into a potential revenue line.
The numbers behind Reflect
By the time Create went live, Reflect had issued 7 assets with an average annual percentage yield of around 21%. Total trading volume across the platform stood at $5.52 million at launch. The company is targeting the approximately $280 billion in idle stablecoin holdings that currently earn nothing.
Reflect describes its approach as “software-as-a-stablecoin,” packaging on-chain decentralized finance strategies into liquid yield products that feel more like a savings account than a strategy deck. The company also draws a clear line about what it is not: it is not a stablecoin issuer or custodian. Its protocols handle risk-adjusted allocations and asset wrapping transparently on-chain, positioning the company as a neutral operator rather than a traditional issuer.
From hackathon winner to infrastructure play
Reflect Money was founded in May 2024 with the goal of fixing the inefficiency of stablecoin holdings by programmatically routing capital into DeFi opportunities while keeping that capital liquid and in users’ control. The project won Grand Champion at the 2024 Solana Radar hackathon and raised $3.75 million in a seed round in September 2025.
Before Create, Reflect’s lineup centered on two products: Earn, which includes USDC+ and USDT+, and Protect, which offers yield tranches. The infrastructure also includes an insurance pool for risk management and a software development kit that lets developers integrate Reflect into their own products. Create builds directly on that foundation, with USDC+ now doubling as a collateral option for other stablecoins.
What this means
Yield on stablecoins comes from somewhere, and the around 21% average APY on Reflect’s assets reflects the DeFi strategies and collateral underneath. Those yields depend on market conditions and the performance of the assets backing each token. Reflect says its collateral options are reviewed, and the insurance pool adds a layer of protection.
The things worth tracking from here are straightforward: watch how many issuers actually use Create, whether the asset count climbs meaningfully beyond 7, and whether platform volume grows past $5.52 million.
