How Stablecoin Vault Works

Raenest Stablecoin Vault lets you earn yield on your USDT or USDC balance instead of it just sitting idle in your wallet. Your funds stay yours; you can add to your Vault or withdraw your available balance whenever you need to.

Vault is powered by Gauntlet, a DeFi risk-management and yield infrastructure trusted by institutions and fintechs around the world.

Your deposit is processed first (this typically takes a few minutes) before it's invested into the Vault. Once it's through, there's one more step before it starts earning: interest only starts accruing 24 hours after your deposit is completed. You can make as many deposits as you like, as long as each one meets the minimum.

Interest is calculated daily, based on your Vault balance and the rate that applies to that specific day.

The rate shown on the Vault is an estimated average rate (currently up to 5% per year). It gives you a sense of the potential return, but it isn't a guaranteed number. The actual rate used to calculate your interest each day can differ from that displayed estimate, because it reflects real market conditions on that day. You can always see the exact "Interest rate for this day" in the details of each interest transaction.

Because the rate moves with the market, it can go up or down from one day to the next and so can your daily earnings.

Here's the part that works in your favor: every day's interest is added directly to your Vault balance. That means tomorrow's interest is calculated on a slightly larger balance than today's and your earnings compound automatically over time.

You can withdraw your available Vault balance at any time. Withdrawals are usually instant, and can take up to 5 minutes to process. Withdrawn funds go back into your USDT or USDC wallet balance. A small withdrawal fee applies (for example, withdrawing 500 USDT carries a 1 USDT fee, so you'd receive 499 USDT). The exact fee and amount you'll receive are always shown before you confirm. The minimum withdrawal amount is 2 USDT or 2 USDC.

Since interest is added directly to your Vault balance, withdrawing means you're withdrawing both your original deposit and everything you've earned.

Vault isn't a bank account, so it isn't covered by deposit insurance. Your funds are generally secure, but because Vault generates yield through DeFi protocols, returns can change with market conditions and are not guaranteed. In exceptional circumstances, the value of your assets could be affected.