The home of
real-world yield.

When DeFi yield compresses, ours holds.

Fixed-rate institutional lending and a yield-bearing token, open to anyone with a wallet.

Yield Vault
Single Asset Vaults
Fixed-rate lending against tokenized RWAs
Fixed Rate APY
Live Soon
Yield Token
splyceUSDC
Yield-bearing token, native on Stellar and Solana
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 institutional lending markets and a yield-bearing token. Both generating yield from real cash flow, not token incentives.

splyceUSDC
Yield Token
splyceUSDC

A yield-bearing token, issued natively on Stellar and Solana, compounding automatically.

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

One token. S-tier yield. No bridging. Native access to sUSDe, sUSDS, and syrupUSDC on Stellar, Solana, and soon Sui.
Fixed-rate credit yield that doesn't compress. When sUSDe narrows or the Fed cuts, the SAV bucket holds. Two structurally uncorrelated sources.
Pristine collateral that earns while it works. Use as DeFi collateral, loop for amplified yield, margin perps, or provide LP liquidity.
No fees. No minimums. Redeem anytime. No management, performance, entry, exit, or transaction fees. Blended APY target 7-10%.
Explore Product splyceUSDC
Lending
Single Asset Vaults

Fixed-rate, fixed-term institutional lending against tokenized real-world assets and institutional digital assets.

Institutional borrowers post risk-committee-approved collateral and draw USDC at a fixed rate for a fixed term. You're the lender. Your rate is locked from the moment you deposit.

Rate certainty from day one. Your rate is locked at deposit and held for the full term. No utilization spikes. No reinvestment risk.
Lend against a name, not a pool. Choose your counterparty. Known collateral. Known rate. Known term. Not a commingled pool.
Borrowers compete for your capital. Fixed rate is attractive to institutions, so they set terms to win lender confidence.
Contagion-resistant by design. Each vault is isolated. A default in one vault cannot cascade into any other.
Explore Product Single Asset Vaults
How It Works

Two buckets. One token. Blended yield.

splyceUSDC launches with a liquid bucket of best-in-class DeFi yield tokens. When Single Asset Vaults activate, the fixed-income bucket switches on and yield becomes blended across two structurally uncorrelated sources.

Phase 1
Liquid bucket

splyceUSDC launches with the liquid bucket. The highest-conviction short-duration yield in DeFi, redeemable on demand.

  • Instantly redeemable
  • Short-duration yield
  • Pristine collateral
~60% of splyceUSDC
Phase 2
Fixed-income bucket

Single Asset Vaults activate. Fixed-rate institutional credit, structurally uncorrelated to the liquid bucket.

  • Fixed rate locked at origination
  • Isolated per borrower & collateral type
  • MLA-governed · 30-day max at launch
~40% of splyceUSDC
splyceUSDC
Phase 2 blended APY target 7–10%

Two uncorrelated yield sources in one token. Yield that holds when either side compresses.

Genesis Vault · Capped

Deposit early.
Earn more.

Genesis is capped at launch. First depositors lock in the highest Strands allocation, a boosted multiplier, and priority access the moment the fixed-income bucket activates.

Secure Access to Genesis

Limited capacity · First in wins

  1. 01
    Earn Strands Early

    Splyce reward points with a tiered multiplier. Genesis depositors earn the highest allocation and boost.

  2. 02
    Priority Yield Access

    First fill on splyceUSDC when deposits open. No queue, no throttling.

  3. 03
    Fixed-Income Bucket Preference

    When Single Asset Vaults activate, Genesis holders are first into the new fixed-rate yield layer.

⚡ 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.

FAQ

Common questions about Splyce.

What is Splyce Finance?
Splyce Finance is 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 real yield backed by economic activity, not token emissions.
Where does the yield come from?
Splyce yield comes from 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 SAV yield with a liquid bucket allocated across sUSDe (Ethena), sUSDS (Sky), and syrupUSDC (Maple). Both sources are backed by real economic activity, not token emissions.
Is Splyce custodial?
Splyce itself 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.
What chains does Splyce support?
splyceUSDC is issued natively on Stellar and Solana, with Sui activation scheduled for Q2 2026. Splyce Single Asset Vaults are initially live on Stellar. SAV yield flows into splyceUSDC natively across every supported chain.
What's the difference between Single Asset Vaults and splyceUSDC?
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 model. It blends two buckets: a Liquid Bucket (~60%) across sUSDe, sUSDS, and syrupUSDC, and a Fixed Income Bucket (~40%) deployed into SAVs. Direct SAV participation lets you pick your counterparty, rate, and term. splyceUSDC is fully passive with no lock-up.
Do I need to be an accredited investor?
No. Splyce products are permissionless and open to anyone with a compatible wallet. The institutional-grade assets that generate Splyce's yield have historically been locked behind accreditation requirements, but Splyce makes them accessible to all.
How is my deposit protected?
In Single Asset Vaults, each loan is overcollateralized with risk-committee-approved collateral. Every borrower completes KYC and signs a Master Loan Agreement with Splyce Finance Ltd. Each vault is isolated to one borrower and one collateral type, so a default in one vault cannot cascade into another. If a borrower fails to repay at maturity, the collateral resolution process agreed at vault creation is triggered: either direct transfer to lenders onchain or conversion to USDC by a designated liquidator. splyceUSDC diversifies across sUSDe, sUSDS, syrupUSDC, and Splyce SAVs to reduce concentration risk.