A focused team building a calmer way to earn on stablecoins.
Northvault is operated by a private company with a narrow product focus: estimated, variable yield on USDC and USDT, generated through a diversified strategy book. No tokens, no leverage games, no US users.
Northvault operates as a private company focused on stablecoin yield products for non-US investors. Where it serves EEA users it adheres to applicable European regulatory norms.
The European Economic Area, the United Kingdom, the UAE, and selected non-restricted jurisdictions. Not available in the United States or in sanctioned countries.
Backed by long-horizon private investors. Capital structure is designed so growth does not pressure underwriting discipline — investors are aligned with durable returns rather than top-line expansion.
Three things we won't compromise on.
The product is shaped by these in places it would be cheaper not to be. They're worth reading before opening an account.
We say no more often than yes. Strategies and counterparties that can't sustain conservative exposure terms don't make the cut.
If a number is variable, we say variable. If it's not guaranteed, we say so. The transparency page exists for a reason.
Multi-sig custody. Daily reconciliation. KYC enforced. Boring, audited, observable.
The pillars behind the product.
Six structural pillars describe how Northvault actually runs. Each one is documented in more depth on its respective page.
Four buckets — short-duration reserves, vetted market-maker lending, on-chain liquidity provision, and a small opportunistic sleeve. Allocation rebalances inside published bands as conditions change.
Diligence-led relationships with market-maker counterparties and on-chain venues. Per-counterparty and per-venue exposure caps enforced — no single counterparty or venue above 30% of book.
Hot, warm, and cold multi-signature treasury structure on Solana. Threshold signing on every outflow. Daily on-chain reconciliation against the operational ledger.
KYC enforced for every account. Ongoing sanctions screening against OFAC, UN, EU and UK lists. Risk-based monitoring on deposits and withdrawals.
Live per-second accrual computed on every balance read, settled daily to the ledger. Withdraw any time, subject to security review on first-time addresses.
The CRO reports independently of trading and treasury, with unilateral authority to pause new deployment into any strategy, counterparty, or venue pending committee review.
Easier to define by what we don't do.
A lot of crypto-yield products look similar on the home page. The four points below are the ones that consistently distinguish Northvault from the look-alikes.
We do not bet everything on one strategy or one counterparty. The book is engineered to absorb the failure of any single bucket without becoming insolvent.
There is no Northvault token, no yield-bearing wrapper, no governance gimmick. Depositors hold USDC or USDT, period.
We don't lever depositor capital. The strategy book is funded one-for-one by deposits and rebalanced within published bands.
Northvault is not offered to US persons under any conditions. Our perimeter is non-US by design, not by accident.
Built by people who've operated regulated financial products.
A team with deep experience operating regulated financial products across the EEA. Senior leadership bios available on request to qualified investors and counterparties.
Backgrounds across European fintech operations, payments infrastructure, and regulated lending. Each member has at least a decade of operating experience in regulated financial services.
Second-line compliance function covering KYC, sanctions screening, suspicious-activity workflows, and ongoing monitoring. Designated AML lead with sole responsibility for escalation and reporting.
Governs strategy and counterparty selection, exposure limits, reserve policy, and material allocation decisions. Sign-off from at least two members required for material changes — typically the CIO, CRO, and an independent non-executive.
Read the strategy book and the risk model — in that order.
The strategy book describes the upside. The risk model describes the downside. Both are documented in plain language; both should be read before opening an account.
Research and commentary on stablecoin yield, on-chain liquidity, and market structure.
Read insights