Savings Vault

Understand how The Savings Vault helps you save digital dollars, access liquidity, earn yield, and stay in control of your funds.

The Savings Vault is a simple way to keep your digital dollars working. It is self-custodial, so you keep control of your wallet and private keys.

It earns from trading fees, not interest (riba).

Key details

• Deposits use USDC.

• Target yield is 3% to 6% a year.

• There is no lockup.

How it works

• Deposit USDC during the current phase.

• Trading fees generate yield. The target annual yield is approximately 3% to 6%.

• A Mudarabah profit-sharing structure distributes net yield between members and the protocol.

• Withdraw USDC anytime. Network and pool liquidity conditions apply.

Yield varies with trading activity. The 3% to 6% target annual yield is an estimate, not a promise.

Key risks

• USDC or USDT can lose their one-dollar value.

• A problem with the vault or liquidity pool could lead to loss.

• Your funds are not covered by FDIC or other government deposit insurance.

• Market stress can slow withdrawals. Emergency procedures can delay some vault operations.

Learn more

Read the Savings Vault FAQs, whitepaper, Shariah paper, and yield and risk disclosures.