Grow

Updated Jul 27, 2026, 9:35 AM UTC

Earn

Users can choose which of their assets earn yield, if any at all. When yield is enabled, assets are lent to overcollateralized borrowers on technology securing billions of deposits. Users maintain custody of their assets the entire time, while funds can be intelligently reallocated to better opportunities. See details in the post below.

Just-in-time FX path from local currency (naira) directly to SPY, bypassing an intermediate USD step

Investors Don't Want Dollars. They Want Choice.

Most people don't wake up thinking about dollars—they want access to the world's best assets without abandoning the financial life they already have. Just-in-time FX is becoming the standard.

Historical Yield by Asset

9 assets

ActivoTipoCurrent1D1W1M
Pesos argentinos icon
Pesos argentinosARS
23.60%23.60%23.60%23.54%
Real brasileño icon
Real brasileñoBRL
13.70%13.71%14.16%15.39%
Dólares EE.UU. icon
Dólares EE.UU.USD
4.20%5.37%5.27%5.35%
Peso mexicano icon
Peso mexicanoMXN
3.74%4.77%5.10%6.27%
Euros icon
EurosEUR
2.53%2.94%3.27%3.97%
Japanese Yen icon
Japanese YenJPY
0.56%0.70%0.70%0.67%
Dólares de Singapur icon
Dólares de SingapurSGD
0.48%0.61%0.61%0.61%
Tether icon
TetherUSDT
2.57%2.57%2.60%2.43%
Ethereum icon
EthereumETH
1.63%1.64%1.64%1.65%

Currently Utilized Vaults

9 assets

  • Argentine Pesos

    0x0DC4…D90D

    Base·Capify

    23.60%
    Vault contract
    0x304C…4d23
    Asset contract
    0x0DC4…D90D
    Yield protocol
    Capify
    TVL
    $29,223
    Liquidity
    $26,319
    Utilization
    9.9%
    Timelock
    —
    Underlying markets
    ETH, USDC, USDT, wARS, wBRL, WBTC

  • Brazilian Rael

    0xD76f…90e0

    Base·Capify

    13.70%
    Vault contract
    0x6012…1FC8
    Asset contract
    0xD76f…90e0
    Yield protocol
    Capify
    TVL
    $28,470
    Liquidity
    $25,457
    Utilization
    10.6%
    Timelock
    —
    Underlying markets
    ETH, USDC, USDT, wARS, wBRL, WBTC

  • Euros

    0x60a3…db42

    Base·Morpho

    3.17%
    Vault contract
    0xbeef…5DC1
    Asset contract
    0x60a3…db42
    Yield protocol
    Morpho
    TVL
    $3.1M
    Liquidity
    $583,210
    Utilization
    81.5%
    Timelock
    —
    Underlying markets
    cbBTC, cbETH, wstETH

  • Japanese Yen

    0xE7C3…3c29

    Polygon·Morpho

    0.70%
    Vault contract
    0xBEEf…592A
    Asset contract
    0xE7C3…3c29
    Yield protocol
    Morpho
    TVL
    $85,233
    Liquidity
    $10,868
    Utilization
    87.2%
    Timelock
    —
    Underlying markets
    USDC, WBTC, WETH

  • Mexican Peso

    0xF197…80aA

    Base·Morpho

    4.69%
    Vault contract
    0x08cc…ed58
    Asset contract
    0xF197…80aA
    Yield protocol
    Morpho
    TVL
    $222,078
    Liquidity
    $7,620
    Utilization
    96.6%
    Timelock
    —
    Underlying markets
    cbBTC, USDC

  • Singapore Dollars

    0x0A4C…C33b

    Base·Morpho

    0.60%
    Vault contract
    0xbeef…5fe9
    Asset contract
    0x0A4C…C33b
    Yield protocol
    Morpho
    TVL
    $1.1M
    Liquidity
    $197,372
    Utilization
    81.7%
    Timelock
    —
    Underlying markets
    cbBTC, cbETH, steakUSDC, WETH, wstETH

  • US Dollars

    0x8335…2913

    Base·Morpho

    5.28%
    Vault contract
    0xbeef…8100
    Asset contract
    0x8335…2913
    Yield protocol
    Morpho
    TVL
    $27.5M
    Liquidity
    $8.5M
    Utilization
    69.2%
    Timelock
    —
    Underlying markets
    AERO, cbADA, cbBTC, cbDOGE, cbETH, cbLTC, cbXRP, cUSDO, deSPXA, JitoSOL, mGLO, SOL, sUSDe, syrupUSDC, weETH, WETH, wsrUSD

  • Ethereum

    0x4200…0006

    Base·Morpho

    1.63%
    Vault contract
    0xFeFe…ff08
    Asset contract
    0x4200…0006
    Yield protocol
    Morpho
    TVL
    $1.8M
    Liquidity
    $276,729
    Utilization
    84.8%
    Timelock
    —
    Underlying markets
    cbBTC, cbETH, weETH, wstETH, wsuperOETHb

  • Tether

    0xFd08…Cbb9

    Arbitrum·Aave

    2.57%
    Vault contract
    0x6ab7…0620
    Asset contract
    0xFd08…Cbb9
    Yield protocol
    Aave
    TVL
    $50.2M
    Liquidity
    $9.9M
    Utilization
    80.2%
    Timelock
    —
    Underlying markets
    rETH, USDC, WBTC, weETH, WETH, wstETH

Permissioned vault requirements

Minimum criteria a permissionless vault must hit to be considered for user allocation.

RequirementCriteriaSource
TVLAt least $100k, or at least 0.1% of token market cap (CoinGecko circulating)CoinGecko
UtilizationGreater than 30%Onchain
TimelockGreater than 24hOnchain
Underlying marketsUSDC, USDT, DAI, USDS, ETH, WETH, WBTC, cbBTC, LBTC, cbETH, wstETH, weETH, EZETH, EURC, EUR, AERO, cbADA, cbDOGE, cbLTC, cbXRP, cUSDO, deJAAA, deSPXA, JitoSOL, mGLO, SOL, syrupUSDC, wsrUSD, steakUSDC, wsuperOETHbOnchain
CuratorsGauntlet, Steakhouse Financial, Yearn, MEV Capital, RE7 Labs, Block Analitica, Keyrock, SparkDAO, Compound DAO, Sky Money, Moonwell, Sentora, Clearstar, AvantgardeProvider API

Core yield contracts

Audited contracts on each network. Expand a chain for addresses; live deployments link to the explorer.

  • Base

    9 contracts

    ContractRoleAddress
    GrowYieldDeployerDeterministic CREATE2 deployer0x088D…139c
    GrowYieldExecutorCoordinates deposit and reallocation0xA251…1b9D
    GrowYieldPolicyModuleAccount policy module — limits permitted actions0x4924…8429
    GrowYieldAdapterRegistryApproved adapter registry0xC797…951e
    AaveV3AdapterAave V3 USDC adapter0x47f1…478a
    MorphoVaultV2AdapterMorpho Vault V2 USDC adapter0xC100…d085
    EulerEVaultAdapterEuler EVault USDC adapter0x2149…4Af0
    EulerEarnAdapterEuler Earn USDC adapter0xbBa5…6Cc8
    CapyFiAdapterCapyFi USDC adapter0x9A91…bc1b

  • Arbitrum

    Deployment pending — placeholder addresses

    ContractRoleAddress
    GrowYieldDeployerDeterministic CREATE2 deployer0x1111…1111
    GrowYieldExecutorCoordinates deposit and reallocation0x2222…2222
    GrowYieldPolicyModuleAccount policy module — limits permitted actions0x3333…3333
    GrowYieldAdapterRegistryApproved adapter registry0x4444…4444
    AaveV3AdapterAave V3 USDC adapter0x5555…5555
    MorphoVaultV2AdapterMorpho Vault V2 USDC adapter0x6666…6666
    EulerEVaultAdapterEuler EVault USDC adapter0x7777…7777
    EulerEarnAdapterEuler Earn USDC adapter0x8888…8888
    CapyFiAdapterCapyFi USDC adapter0x9999…9999

  • Polygon

    Deployment pending — placeholder addresses

    ContractRoleAddress
    GrowYieldDeployerDeterministic CREATE2 deployer0x1111…1111
    GrowYieldExecutorCoordinates deposit and reallocation0x2222…2222
    GrowYieldPolicyModuleAccount policy module — limits permitted actions0x3333…3333
    GrowYieldAdapterRegistryApproved adapter registry0x4444…4444
    AaveV3AdapterAave V3 USDC adapter0x5555…5555
    MorphoVaultV2AdapterMorpho Vault V2 USDC adapter0x6666…6666
    EulerEVaultAdapterEuler EVault USDC adapter0x7777…7777
    EulerEarnAdapterEuler Earn USDC adapter0x8888…8888
    CapyFiAdapterCapyFi USDC adapter0x9999…9999

  • BSC

    Deployment pending — placeholder addresses

    ContractRoleAddress
    GrowYieldDeployerDeterministic CREATE2 deployer0x1111…1111
    GrowYieldExecutorCoordinates deposit and reallocation0x2222…2222
    GrowYieldPolicyModuleAccount policy module — limits permitted actions0x3333…3333
    GrowYieldAdapterRegistryApproved adapter registry0x4444…4444
    AaveV3AdapterAave V3 USDC adapter0x5555…5555
    MorphoVaultV2AdapterMorpho Vault V2 USDC adapter0x6666…6666
    EulerEVaultAdapterEuler EVault USDC adapter0x7777…7777
    EulerEarnAdapterEuler Earn USDC adapter0x8888…8888
    CapyFiAdapterCapyFi USDC adapter0x9999…9999