E-money token balances earn yield from Money Market Funds that are AAA-rated, highly regulated, and must hold 99.5%+ in cash or very low risk loans to governments.

Virtual USD token is invested in Dreyfus Government Cash Management, administered by the world’s largest custodian bank BNY Mellon.
Virtual EUR token is invested in ICS Euro Government Liquidity Fund, administered by the world’s largest asset manager BlackRock.

Other crypto balances earn yield from margin loans, made to on-platform users who post and maintain collateral of significantly greater than 100% of the value of the loans themselves.