Vault-as-a-Service
White-label vault infrastructure that lets partner protocols offer curated DeFi yield strategies to their users.
Vault-as-a-Service lets a fintech, exchange, wallet or asset manager offer yield on stablecoin balances under its own brand. You choose the strategy and the curator, set the rules, and put the vault in front of your customers through the SDK, the REST API or a branded page in the Upshift app.
The range of strategies runs from 24/7 tokenized money market funds to DeFi lending. You can start with one conservative vault and add others later on the same integration.
Who uses it
| Partner | What they launch | Example |
|---|---|---|
| Neobanks, wallets and exchanges | An earn tab on customer USDC and USDT balances | Tria runs Upshift vaults inside its self-custodial app |
| Card and payment programs | Yield on card float or settlement balances, with atomic redemptions at the point of transaction | See Atomic Redemption |
| Asset managers and funds | A vault as the wrapper for a mandate, run by their own team or a curator | Curated by the manager, priced and settled by Upshift |
| Chains and protocols | An anchor stablecoin vault for their ecosystem | earnAUSD on Monad, offered in app.monad.xyz |
What you can launch
Each vault sits in one of three bands. Customers can be offered one band or all three.
| Band | What the vault holds | Typical liquidity |
|---|---|---|
| Conservative | Tokenized Treasury bills and money market funds | Instant, 24/7 |
| Core | Overcollateralized lending and private credit, run by a curator such as Sentora | Daily |
| Enhanced | DeFi strategies for customers who opt into more risk, in a separate vault with its own mandate | Set per vault |
Yields vary with markets and are never guaranteed. Current rates for live vaults are in the Upshift app.
How a launch works
- Pick the strategy and curator. Use an existing vault from the catalogue or have a custom one built for your mandate.
- Set the parameters. Fees, deposit caps, which protocols and assets the vault can use, and whether deposits are open or limited to a whitelist of wallets.
- Deploy. Upshift deploys the vault contract. The owner is a multisig, and parameter changes can sit behind a timelock.
- Integrate. Connect through the SDK (EVM chains, Solana and Stellar) or the REST API, or send customers to a branded vault page in the app.
- Go live. Customers deposit stablecoins and receive a vault share token. Its value rises as the vault earns.
What you control
- Fees. Management, performance, deposit and withdrawal fees are set per vault. Terms are scoped per partner.
- Access. Deposits can be open or restricted to approved wallets.
- Limits. Deposit caps and the list of protocols and assets the curator can use.
- Branding. The vault name, share token and the page your customers see.
Custody and risk controls
- Non-custodial. Assets sit in the vault contract or its subaccounts. Customers or your platform hold the share tokens.
- Mandate enforced onchain. Curators can only move funds into the protocols and assets on the vault's whitelist, enforced by the policy engine.
- Independent pricing. Upshift validates each vault's net asset value before it reaches depositors, processes withdrawals daily and charges fees onchain.
- Audited. The vault contracts have been through 11 smart contract audits by 6 independent firms. See Audits.
Next steps
- Read For neobanks and fintechs for the questions product, compliance and risk teams ask
- Start with the SDK quick start
- Book a 30-minute call