Backed by industry leaders
Fixed-rate, fixed-term lending against tokenized real-world assets and institutional crypto collateral.
Backed by industry leaders
Introducing splyceUSDC
splyceUSDC is a yield-bearing token targeting 6-9%. Deposit USDC, hold the token, and its value rises as yield compounds in.
Where the yield comes from
Short-duration yield-bearing tokens
Best-in-class liquid tokens, held so the position stays redeemable when you want out.
Rate moves with the market
Fixed-rate loans against real assets
Lent into Splyce vaults, where an institution borrows against tokenized collateral it will not sell.
Rate set on day one, and stays
splyceUSDC
One token, both halves
Blended
6-9%
Borrow
Post a tokenized real-world asset and draw USDC against it. You keep the position, the yield and the upside. You just stop having to sell to access cash.
Institutional intake. KYC and a Master Loan Agreement.
Rate
Fixed on day one
Term
You choose
Collateral
One type per vault
Valuation
At origination, oracle-free
Settlement
At maturity
The book
A book of fixed-term loans, drawn on a time axis. One borrower, one collateral type, one rate per vault.
Treasury Vault 04
Tokenized treasuries
MMF Vault 02
Money market fund
Treasury Vault 01
Tokenized treasuries
MMF Vault 05
Money market fund
Crypto Vault 06
Institutional crypto
Credit Vault 03
Private credit
Every bar ends. Variable-rate lending never matures, so it cannot be drawn this way. Sorted by maturity, a fixed-term book forms a ladder. Vaults and rates shown are illustrative examples, not quoted rates.
Who built it, who audited it, and what stops one bad loan reaching the next.
Isolated vaults. One borrower and one collateral type each, never pooled, so a default in one cannot reach another.
01Built by the team behind Securrency
Acquired by DTCC. Backgrounds at S&P.
02Audited by Halborn
Full protocol audit completed before launch.
03Oracle-free by default
RWA collateral is valued at origination. Crypto collateral is priced.
Stay updated
Be the first to hear about news from Splyce.
A DeFi protocol that provides permissionless access to institutional, cash-flowing assets through composable onchain yield products. It turns tokenized real-world assets into something liquid, tradable and usable across DeFi, generating yield backed by economic activity rather than token emissions.
Two structurally uncorrelated sources. Single Asset Vaults generate fixed-rate interest from overcollateralized institutional loans against tokenized real-world assets and institutional digital assets, all governed by Master Loan Agreements. splyceUSDC blends that vault yield with a liquid bucket of best-in-class short-duration yield-bearing tokens.
Single Asset Vaults are fixed-rate, fixed-term institutional lending markets. You lend USDC directly into a named vault against risk-committee-approved collateral, at a rate locked from day one. splyceUSDC is a yield-bearing token with a rising share price, blending a liquid bucket with a fixed-income bucket deployed into vaults. Direct vault participation lets you pick the counterparty, rate and term. splyceUSDC is fully passive with no lock-up.
Yes. The Stellar contracts and the Solana programs have both been independently assessed by Halborn, and both reports are published in full on the security page. An audit of the Sui contracts is planned before launch on Sui.
No. Splyce never holds your funds. All deposits and collateral are managed by onchain smart contracts. In Single Asset Vaults, collateral is held in escrow for the loan term. Splyce as a company has no ability to access or move your assets.
Splyce is being built across Stellar, Solana and Sui, launching first on Stellar. Vault yield flows into splyceUSDC natively across every supported chain.
No. Splyce products are permissionless and open to anyone with a compatible wallet. The institutional-grade assets that generate the yield have historically sat behind accreditation requirements. Splyce makes them accessible to anyone.
Each loan is overcollateralized with risk-committee-approved collateral. Every borrower completes KYC and signs a Master Loan Agreement. Each vault is isolated to one borrower and one collateral type, so a default in one cannot cascade into another. If a borrower fails to repay at maturity, the resolution process agreed at vault creation is triggered: either direct transfer to lenders onchain, or conversion to USDC by a designated liquidator.