Earn 8% on stablecoins.
Daily compounding. Withdraw anytime.
Northvault is a stablecoin yield account. Deposit USDC or USDT, earn variable estimated returns powered by a curated portfolio of business loans across Europe — sourced through licensed originators with buyback protection.
Loan-originator partners — from the EU's licensed lending sector
- Eleving GroupLV
- Iute CreditEE
- Creditstar GroupEE
- ID FinanceES
- DelfinGroupLV
- Placet GroupEE
Originator agreements are added as they're signed. See the full list and exposure breakdown.
Quietly engineered for what matters: trust, liquidity, real yield.
Daily compounding, not monthly headlines.
Interest accrues every block and is credited each day. Your balance grows continuously while you watch.
Withdraw anytime
No fixed lockups. First-time addresses are reviewed for 24 hours; trusted addresses are instant.
Buyback-protected loans
Every loan we deploy into is backed by an originator buyback obligation if a borrower goes 60+ days delinquent.
Across countries, sectors, and originators.
No single borrower is more than 1% of the book. No originator above 25%. Concentration limits enforced at deployment.
Multi-sig treasury
Funds held in a multi-signature wallet on Solana. Withdrawals require multi-party approval. Daily reconciliation.
Where the yield actually comes from.
We don't promise a number and hide the engine. The book is real, the borrowers are real, and the buyback obligations are contracted with licensed originators in the EU.
Your deposit is held in a multi-signature treasury wallet on Solana. KYC-verified accounts only.
Pooled funds are deployed across a diversified book of EU business loans, sourced via licensed originators with buyback guarantees.
Yield accrues each block. We retain a margin between borrower rate and what we pay you. Withdraw anytime.
Custody designed for the long run.
Customer stablecoins are held in a multi-signature treasury wallet on Solana with a hot/warm/cold tier structure. Withdrawal allowlists, time-locked first-time destinations, daily on-chain reconciliation, and continuous monitoring through chain-analytics partners.
- Multi-sig threshold signing for every outflow
- First-time addresses subject to 24h security review
- Chain-analytics screening on every deposit and withdrawal
- Daily reserve reconciliation, published methodology
Built for the rules that actually apply.
KYC at signup, ongoing wallet screening, and a clean geographic perimeter. Northvault does not operate in the United States or in any sanctioned jurisdiction. Every compliance interaction is logged and reviewable.
- Mandatory KYC via Sumsub before any deposit
- OFAC / UN / EU / UK sanctions screening at signup and ongoing
- Source-of-funds checks above defined thresholds
- Annual tax statements where required
The longer you stay, the more you earn.
Tier-based APY bonuses (up to +1.5%), referral payouts as a share of friends' lifetime earnings, and quarterly campaigns for active accounts. Eligibility checked against KYC, balance, and anti-abuse signals.
Base APY, eligible for all referrals.
Reduced withdrawal review on small amounts.
Higher referral share + priority support.
Bespoke onboarding + private programs.
Loyalty points, tier benefits, and referral bonuses are subject to eligibility, anti-abuse review, and applicable terms. Northvault may modify, suspend, or end these programs at any time.
Plain-language answers, before you sign up.
The full FAQ covers withdrawals, defaults, taxes, the buyback mechanic, and the regulatory frame. Three previews:
Full FAQWe deploy pooled deposits into EU business loans through licensed originators. The originator pays the platform 14–18%, we pass 7–9% to depositors and retain the spread to cover defaults and operations.
Yes. Withdrawals to allowlisted addresses are typically processed same-day. First-time addresses go through a 24-hour security review. In periods of unusual stress, withdrawals may be queued.
Loans we deploy into are subject to a 60-day buyback by the originator. If a borrower goes 60+ days delinquent, the originator buys back the loan at par. Northvault holds reserves to cover edge cases.
Ready to put your stablecoins to work?
Open an account in minutes. KYC verification, jurisdictional eligibility, and risk acknowledgment are part of the flow. Estimated rates are variable, not guaranteed.
Northvault is not available to residents or citizens of the United States, or to residents of any sanctioned jurisdiction. Eligibility is determined at account opening and may be re-evaluated.