Up to 17.5% APY on stablecoins.
Daily. Variable. Honest.
Deposit USDC or USDT. Earn estimated, variable yield from a diversified strategy book — reserves, vetted market-maker lending, on-chain liquidity provision, and a small opportunistic sleeve. Not guaranteed.
Operating principles · always on
Two stablecoins. One disciplined book.
USDC and USDT are accepted on Solana. Estimated yield is paid in the same asset you deposit. Tier band applies on the loyalty rewards programme; your tier is determined by average balance over a rolling window.
Built on infrastructure we deposit, custody, and settle against
- Settlement network
- Stablecoin · Circle
- Stablecoin · Tether
- Multi-signature custody
- Auth + wallet
Designed for clarity — every screen.
The same disciplined principles that shape the strategy book run through the product itself. Live balance. Per-strategy allocation. Per-second accrual. No upsells, no dark patterns.
- Reserves45%
- MM lending30%
- On-chain LP17%
- Opportunistic8%
- Yield credit01:00 UTC+$22.60
- Yield creditYesterday+$22.59
- Yield credit2 days ago+$22.58
- Deposit · USDC3 days ago+$5,000.00
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.
Conservative, multi-strategy book
Reserves, market-maker lending, and on-chain liquidity provision — diversified at the strategy and counterparty level, with hard exposure caps.
Across strategies, venues, and counterparties.
No single counterparty or venue above 30% of the book. Allocation is rebalanced as conditions change, within pre-defined bands.
Multi-sig treasury
Funds held in a multi-signature wallet on Solana. Withdrawals require multi-party approval. Daily reconciliation.
Three steps. No surprises.
The same flow every depositor sees. No tiered queues, no special access, no shifting fee schedules. The process is documented up front and doesn't change because of who you are.
Transfer stablecoins to a unique deposit address on Solana. KYC-verified accounts only. Chain-analytics screening on every inflow.
Capital is allocated across reserves, market-maker lending, on-chain liquidity provision, and a small opportunistic sleeve — within published exposure caps.
Estimated yield is computed on every balance read and settled daily. Withdraw any time — same-day in ordinary conditions, FIFO queue under stress.
What estimated mid-teens APY looks like over time.
Daily compounding on the same currency you deposit. The line below uses the mid-band of the published APY range. The actual outcome depends on the live strategy book, your tier, and market conditions. Estimated, variable, not guaranteed.
A diversified strategy book, not a single bet.
We do not run a single-strategy book. Deposits are deployed across reserves, vetted market-maker lending, on-chain liquidity provision, and a small opportunistic sleeve — rebalanced as conditions change. Allocation percentages are illustrative targets and may move within their bands.
Short-duration cash equivalents and tokenised treasury exposure. The liquidity floor of the book and the stable base of every yield calculation.
Over-collateralised, short-tenor lending to vetted market-making and trading counterparties. Underwritten with exposure caps and collateral monitoring.
Concentrated-liquidity positions in stablecoin-pair pools on established decentralised exchanges. Stablecoin-only pairs to minimise impermanent loss.
Short-duration basis trades, cross-venue spread capture, and funding-rate strategies. Highest-variance sleeve, tactically sized.
Target weights, with the band each bucket lives in.
Allocation rebalances inside published bands as conditions change. The donut shows current targets and the estimated yield range for each bucket — the same data that drives the blended-yield math on the transparency page.
Full strategy book- Reserves & cash equivalents45%4.5–5.5%
- Market-maker lending30%8–12%
- On-chain liquidity provision17%7–14%
- Opportunistic strategies8%6–18%
We don't promise a number and hide the engine.
Every stablecoin yield platform sells the same headline rate. The ones worth depositing with publish the strategy book, the counterparty caps, the custody architecture, and the risk model — all in plain language. Then they live by them.
Reserves, market-maker lending, on-chain liquidity provision, opportunistic. Capped at the strategy, counterparty, and venue level.
Every strategy approved by an investment committee with a written thesis and risk limits before a dollar moves.
In soft markets we let the floor go lower rather than reach for risk to defend a number. The product is honest first, attractive second.
Honest about who else is in the room.
Northvault is one option among several for stablecoin holders. We're better on some axes than the alternatives and not on others. The table below describes the structural differences — not who is "best" for you, which depends on your situation.
| Capability | Northvault Diversified strategy book | Typical CeFi savings Single-source platform | T-bills / money market Traditional cash-equivalent | Direct DeFi LP Self-managed on-chain |
|---|---|---|---|---|
| Diversified strategy book (not single-source) | ||||
| Estimated mid-teens APY (variable) | ||||
| Withdraw any time | ||||
| KYC + sanctions screening enforced | ||||
| Per-counterparty exposure caps | ||||
| Multi-signature, segregated custody | ||||
| Daily reconciliation, published methodology | ||||
| On-chain transparency on positions | ||||
| Non-US, EEA-friendly product perimeter | ||||
| Smart-contract risk on every deposit |
Descriptive comparison of categories of product, not specific named operators within each category. Your selection depends on liquidity, jurisdiction, and risk preferences. Returns across all categories are variable; capital is at risk.
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 seven questions we get asked the most. The full FAQ has more — withdrawals, taxes, KYC details, the regulatory frame, and an honest take on what we don't know.
Full FAQThree audiences. One disciplined product.
The product is the same for everyone — the wrapper around it (KYC vs. KYB, reporting cadence, signer model) adapts to who the depositor is.
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.