The home of
real-world yield.

Earn yield backed by real cash flow — not emissions. Fixed-rate lending and a yield-bearing stablecoin, open to anyone with a wallet.

Yield Vault
Single Asset Vaults
Fixed-rate lending against tokenized RWAs
Fixed Rate APY
Live Soon
Stablecoin
splyceUSDC
Yield-bearing stablecoin, diversified across chains
Target APY
7–10%
Announcing Soon →

Backed by the builders of the future of finance

Products

Two products. Both backed by real assets.

Fixed-rate lending markets and a yield-bearing stablecoin — both generating yield from real cash flow, not token incentives.

Lending
Single Asset Vaults

Fixed-rate, fixed-term lending against freely transferable tokenized assets.

Holders of tokens like USDY, sUSDe, and deJTRSY borrow USDC without selling their position. You're the lender. Your rate is locked from day one.

Your rate is fixed at deposit — set for the full term
Each vault holds one asset type — risk stays isolated
Vault tokens are tradable onchain before maturity
No oracles, no variable rates, no cascading liquidations
Stablecoin
splyceUSDC

A yield-bearing stablecoin. Diversified across chains, compounding automatically.

Deposit USDC, receive splyceUSDC. Yield compounds automatically into the token's rising value — no staking, no claiming required.

Yield aggregated across Stellar, Solana, and Sui
Diversified across US Treasuries, synthetic dollars, and fixed income
Compounds directly into the token's value — nothing to claim
No minimums. Redeem whenever you want.
How It Works

Real yield has a source.

01 /
Real collateral enters
Institutions post tokenized real-world assets — institutional treasury funds like BENJI and WTGXX — as collateral. They keep ownership and borrow USDC against it at a fixed rate.
02 /
You're the lender
Deposit USDC into a vault. Your rate is fixed from that moment. Your position is backed by 150% overcollateralized collateral — and fully covered if a borrower defaults.
03 /
Or earn passively
Prefer hands-off? Deposit USDC into splyceUSDC. Yield from a diversified mix of tokenized treasuries, private credit, and DeFi strategies compounds directly into the token's value — automatically, across multiple chains.
04 /
Real yield. Not emissions.
Either way, your yield is backed by real borrowers making real payments. Not token incentives. Not dilution. Cash flow that was already being generated — now accessible to anyone with a wallet.
Why Splyce

Built for the yield DeFi was missing.

Real cash flow, not emissions
Most DeFi yield is manufactured — token incentives that dilute over time and eventually disappear. Every dollar earned on Splyce comes from real borrowers making real payments against real collateral.
Open to anyone
The assets underpinning Splyce's yield — institutional treasury funds like BENJI and WTGXX — have historically been locked behind accreditation requirements and minimum thresholds. Connect a wallet. That's it.
Built across multiple chains
splyceUSDC aggregates yield from Stellar, Solana, and Sui. SAVs support any tokenized RWA. No single chain dependency — broader access, better diversification.
⚡ Strands · Season 1 · Live

Earn yield. Earn Strands. Climb the ranks.

Every vault deposit, every referral, every action earns Strands. The higher your tier, the greater your multiplier.

Deposit & Earn
Refer Friends
Climb Tiers
Lv0
Specimen
Lv1
Mutant
Lv2
Catalyst
Lv3
Splycer
Lv4
Helix
Lv5
CRISPR
Apex
Blog

Latest from Splyce.

Insights, product updates, and stories from the team.