Reflect Money wants every app on Solana to have its own stablecoin. Its new tool, Create, is designed to make that a one-click affair.
The Solana-based protocol launched Create on October 22, 2026. It lets users and applications deploy custom yield-bearing stablecoins in a single transaction. The pitch is simple. Stablecoins that sit around doing nothing are a wasted opportunity, and Reflect thinks it can put them to work.
How Create works
Instead of building collateral systems, liquidity plumbing and redemption logic from scratch, an issuer picks from a menu and ships.
That menu is a set of reviewed collateral options. According to the research findings, these include USDC+, senior tranches and tokenized assets. Each one backs the new token and generates the yield that holders earn.
Tokens launched through Create are built to plug straight into Solana decentralized exchanges, including Jupiter and Titan. So a freshly minted coin can trade on day one instead of languishing in a wallet nobody checks.
Minting and redeeming happen atomically, with no queues. Put plainly, you either get your tokens or your money back in the same instant, without waiting in line behind everyone else trying to exit.
Issuers can keep a percentage of the yield their stablecoin generates. That turns a stablecoin from a cost center into a potential revenue line for whoever launches it.
The numbers behind Reflect
Reflect is not starting from zero. By the time Create went live, the protocol 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.
Reflect is aiming at the approximately $280 billion in idle stablecoin holdings that currently earn nothing.
The company describes its approach as “software-as-a-stablecoin.” The idea is to package on-chain decentralized finance strategies into liquid yield products that feel more like a savings account than a strategy deck.
Reflect 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. Its founding goal was to fix 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. In September 2025, it raised $3.75 million in a seed round.
Before Create, Reflect’s lineup centered on two products. Earn includes USDC+ and USDT+, while Protect 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. USDC+, one of the Earn products, now doubles as a collateral option for other people’s 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.
Disclosure: This article was edited by Kaye Quema. For more information on how we create and review content, see our Editorial Policy.