The questions worth answering up front.

Northvault deploys pooled USDC and USDT deposits across a diversified strategy book: short-duration reserves and tokenised treasury exposure, over-collateralised market-maker lending, on-chain liquidity provision in stablecoin-pair pools, and a small opportunistic sleeve. Blended yield is weighted by allocation; Northvault retains a small operating margin and distributes the rest daily. Estimated, variable, not guaranteed. The full breakdown is on the Transparency and Strategies pages.

Because they are. Strategy yields move with market conditions, and allocation shifts as we rebalance. The advertised APY is the platform's current target — not a contractual guarantee. In soft markets we let the floor go lower rather than reach for risk to defend a number.

Yes. Tiers from Bronze to Platinum add up to +1.5% APR on top of the base rate, based on average balance. Tier benefits are described on the Rewards page in the dashboard.

Interest accrues continuously and is credited daily into your balance, in the same stablecoin you deposited. It compounds automatically — no action required.

Yes. There are no fixed lockups. Withdrawals to allowlisted addresses typically settle same-day. New addresses are subject to a 24-hour security review, and step-up authentication is required.

We hold a liquidity reserve (target 15% of AUM at minimum) specifically for redemption pressure. In extreme stress events — historically rare but real — withdrawals may be queued while loans wind down naturally. Any queue is processed first-in-first-out.

Network fees are paid by Northvault for withdrawals on Solana. Larger or expedited withdrawals on other networks (when added) may carry network-level fees, which will be displayed before you confirm.

Smart-contract risk on on-chain positions, counterparty risk on market-maker lending, stablecoin issuer risk (USDC/USDT depeg), impermanent loss on liquidity pools, oracle/venue risk, liquidity stress, custody risk, and regulatory change. The Risk page covers each one in detail. Capital is at risk and rates are not guaranteed.

Market-maker lending is over-collateralised and exposure is capped per counterparty. If a counterparty fails, collateral is liquidated to recover the loan. In extreme moves where collateral cannot keep pace with prices, partial loss is possible. Concentration limits at the strategy, counterparty, and venue level are designed to contain the impact.

We monitor issuer reserves and split exposure across USDC and USDT. We can't insulate users from issuer-level events, but the split reduces concentration risk. In a depeg scenario, withdrawals may be temporarily restricted while we assess impact and rebalance the book.

Annual statements are produced where required by your jurisdiction. Year-round activity exports are always available from Tax Documents in your dashboard. We are not a tax advisor.

In most jurisdictions, yield earned on stablecoin deposits is treated as interest or other income. Specific treatment depends on your residency. Consult a qualified tax professional.

Most of the European Economic Area, the United Kingdom, the UAE, and selected non-restricted jurisdictions. Northvault is not available in the United States or in any sanctioned country. Eligibility is determined at signup and may be re-evaluated.

If you become ineligible after signup, we'll notify you, pause new deposits, and work with you to redeem your balance under the standard withdrawal flow.

Operating a stablecoin yield product for US persons under US securities law and state money-transmitter regimes is not the path we've chosen. We've designed the product, the entity, and the perimeter for users outside the US.