Some context on the USD Lite fixed APR design choice

We’ve been running the ETH Lite vault for four years, managing billions in AUM, which has given us a strong understanding of user behavior.

The ETH Lite vault follows a typical structure where we charge a performance fee. Most of the time, yields are high and users are satisfied, but even a one-day drop in yield tends to trigger user outflows.

With fixed rates in the USD Lite vault, we aim to deliver a more consistent experience. When yields exceed the fixed APR, the surplus is retained as reserves. When yields fall below the fixed rate, those reserves are used to cover the difference.

This approach ensures a more stable and predictable UX, while also unlocking strong opportunities for integrations with wallets and other distribution channels.

Stay Fluid 🌊

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