FAQs
What is YieldFi?
YieldFi is the issuance, distribution, and intelligence layer for tokenized yield vaults—so curators can launch products, partners can distribute them, and allocators can track risk and performance in real time.
Who is YieldFi for?
YieldFi is built for four types of users:
Capital Allocators → transparent, one-click yield exposure with clear redemption terms Curators / Asset Managers → grow AUM without building issuance + distribution + reporting infra Builders / Distribution Partners → wallets, exchanges, custodians, fintechs, banks, wealth tech companies, LP Networks etc offering “Earn” products on their platforms Portfolio Managers → funds, risk teams, treasury teams, analysts, CFO functions analysing and monitoring their performance 24/7
What problem does YieldFi solve?
Yield opportunities across crypto and traditional markets are fragmented, opaque, and difficult to access. YieldFi makes yield:
Accessible through tokenized vaults
Distributable via SDK and partners
Measurable with standardized NAV, APY, and risk analytics
What types of vaults exist?
YieldFi offers vaults across the below risk ladder:
Treasury / T-bills for corporate treasury / DAOs
Blue-chip DeFi lending for corporate treasury / DAOs / Family Offices, fintechs etc
Fixed-income style bands for Family Offices, liquid funds, fintechs
Market-neutral strategies for family offices, LPs, fintechs
Directional / higher risk trading strategy vaults for family offices, LPs
Where does the yield come from?
Yield depends on the vault and may include:
Treasury / cash-equivalent yield (rate-driven)
DeFi lending (borrow demand-driven)
Market-neutral strategies (funding, basis, arbitrage, private deals, private credit)
Each vault’s transparency page shows the sources, venues, and drivers of APY.
Is APY real or does it include points and incentives?
Displayed APY reflects realized, mark-to-market yield, net of basis only. Unrealized incentives (points, airdrops, emissions) are not included in the APY and are additive if they materialize.
What fees do I pay?
Displayed APY is always net of Fees. Fees are vault-specific and fully disclosed on the vault fact sheet. A vault may charge:
Management and/or Performance fee
Deposit or Withdrawal fee
To see the exact fee stack, visit the vault specific factsheet on https://yield.fi.
How do I get started?
It’s a simple onboarding flow:
Visit yield.fi/vaults
Choose any vault
Connect wallet
Deposit → receive vault tokens instantly
How long does redemption take?
Redemption terms are vault-specific. Most vaults target same day to ~2 days, but the exact SLA, queue behaviour, and fees are disclosed on each vault’s product page.
Do I need KYC/KYB? Who is eligible?
While most of the vaults are permissionless, some vaults require compliance checks. You’ll see a lock icon on the vault if access is restricted.
To unlock:
Click Get Access
Complete KYC / KYB (via a third-party provider like Sumsub)
Typical approval time: 1–2 days
Are there minimums or maximums?
Typically, there is no minimums, no maximums. Always check vault specific page to see if there are any minimums, maximums or supply caps.
What does “tokenized yield product” mean?
It means you receive an ERC-20 token that represents your position in a vault. You can typically:
Hold it
Redeem it
Use it in DeFi (e.g., as collateral), where supported
Legally, this token represents a subordinated debt claim against the issuer, not ownership of assets.
Who operates the vaults? Who is managing the capital?
Vault strategies are run by external curators / asset managers / strategy operators, while YieldFi provides:
vault issuance + token mechanics
custody rails
monitoring + reporting
standardized disclosures
Execution setup (typical):
capital is deployed within YieldFi-owned segregated MPC custody wallets
and/or segregated exchange sub-accounts (vault-specific)
If funds are ever off-ramped to a manager’s fund structure, YieldFi performs enhanced due diligence, collecting fund documentation and operational/legal materials with required disclosures on vault factsheet.
How does YieldFi handle custody and security?
YieldFi use institutional setups such as:
MPC Custody wallets
Segregated exchange sub-accounts
Custody solutions and insurances wherever applicable/available
Operational controls
Custody structures (where applicable) are vault-specific and disclosed. YieldFi itself is non-custodial by default unless explicitly stated in vault terms.
What risks should I understand?
Key risk categories:
Market risk (rates, spreads, volatility)
Liquidity risk (redemption queues)
Counterparty risk (exchanges, custodians, borrowers)
Smart contract / protocol risk
Operational risk
Regulatory / eligibility risk
If a strategy loses money, NAV declines unless the vault explicitly includes protection mechanisms. Example: protocol concentration risk (illustrative)
If a vault is 50% allocated to Aave lending, and Aave suffers a major exploit:
the vault’s loss exposure is proportional to that 50% sleeve
your realized impact is based on your share of the vault supply
(Exact loss mechanics vary by strategy design, collateral types, and mitigation layers.)
What happens in stressed markets or a black swan?
Vault-specific behavior may include:
redemptions moving into a queue
reduced strategy risk exposure
orderly unwinds rather than forced liquidations
Example: “exit during stress” (illustrative)
Assume:
Vault TVL: $100M
You hold: $1M (1% of supply)
Instant liquidity capacity drops from 100% → 20%
Remaining redemptions go into queue for T+2 days
Then you may receive:
$200k quickly (instant capacity)
$800k over the queue window, net of any unwind costs (vault-specific)
If the underlying strategy’s NAV drops during unwinds, redemptions settle at the updated NAV.
Is APY net of fees?
Yes. Displayed APY is always net of fees.
How is NAV (token price) calculated?
NAV = (Assets − Liabilities) ÷ Token Supply.
How often is NAV updated?
Vault-specific. Commonly daily, sometimes less frequent (or event-driven). The frequency is disclosed in the vault fact sheet. NAV update is vested over epoch time period to avoid front-running. In case of drop in NAV, NAV update is instantaneous.
Are YieldFi vault tokens equity, deposits, or stablecoins?
No. They are subordinated debt instruments, not equity, not deposits, and not stablecoins. They represent a contractual claim against the issuer, subject to:
Terms & Conditions
Qualified subordination
Risk and investment disclaimers
What does transparency look like?
Where feasible, vaults standardize disclosure of:
NAV, APY and TVL history
Holdings and exposure
Redemption liquidity and queue
Operational monitoring
Attestations / audits (when applicable)
Can I borrow against vault tokens?
Potentially, yes—if supported by:
Integrated lending markets
Partner venues (e.g., Aave, Morpho, Euler)
Availability depends on ecosystem support.
What happens in stressed markets?
Vault-specific behavior may include:
Slower redemptions (queues)
Reduced risk exposure
Orderly unwinds rather than forced liquidations
If there are protection layers (buffer/insurance/guarantees), they apply only as defined in the vault fact sheet.
Is YieldFi DeFi-native or institutional-grade?
Both. Institutional structure and reporting with DeFi-native distribution and composability.
What should I check before allocating?
A good checklist:
Strategy and yield source
Redemption terms
Custody and counterparties
NAV policy and frequency
Risk controls
Disclosures and transparency
Jurisdiction and eligibility
How can I integrate YieldFi vaults into my product?
Via SDK:
List vaults in your app (filter out unwanted vaults / filter in desired vaults)
Display NAV/APY and key terms
Enable mint and redemption flows (Redemption typically follows a request → processing flow)
Do you offer Vaults-as-a-Service? Any setup fees?
Yes, you can launch white-label or co-branded vaults. There are no fixed or one-time setup fees.
How is YieldFi different from other vault providers (e.g., Midas, Upshift)?
YieldFi’s differentiation is scope + distribution + institutional-grade disclosure.
Most vault providers are typically constrained by one or more of:
single-chain focus
lending-only yield
limited distribution pathways
non-standardized reporting across strategies
YieldFi enables curators to deploy across:
EVM + non-EVM environments (via partners / vault design)
multiple DeFi protocols
top CEX/DEX venues
private LP deals
market-neutral strategies
…while packaging everything into a tokenized product with:
standardized NAV/APY reporting
redemption policy disclosures
transparency pages designed for allocators + distributors
Typical allocation sizes by segment (indicative)
This varies by vault category and partner setup, but typical patterns:
Retail / power users: $100 – $50k
Crypto HNW / DeFi whales: $50k – $5M
Family Offices / Funds: $250k – $25M+
Corporate treasury / DAOs: $500k – $100M+
Distribution partners (wallets/exchanges/fintechs): pooled flows that can scale into 8–9 figures
Want to integrate YieldFi into your product?
YieldFi offers an SDK to:
list vaults in your app (with allowlist/filters)
display NAV/APY + terms
enable mint + redemption workflows
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