# Splyce Finance

## What is Splyce?
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.

## How it works
Splyce partners with trusted asset issuers to bring institutional yield onchain. Users deposit stablecoins into yield vaults and receive S-Tokens, which are yield-bearing tokens representing their position. Yield accrues directly into the token's value. S-Tokens are fully composable and can be traded, used as collateral, or held to earn.

## Yield source
Unlike traditional DeFi yield driven by token emissions, Splyce products generate returns backed by real economic activity, such as private credit repayments, real estate debt income, and other cash-flowing institutional assets.

## Products
- SFULC: Yield vault backed by Fulcrum Lending's senior secured multifamily private credit. Projected yield of approximately 9% APY. Users deposit USDC and receive $SFULC.
- splyceUSDC: A diversified composite yield product targeting 7-8% returns across tokenized T-bills, private credit, trade finance, and DeFi stable strategies.

## Key facts
- Blockchains: Solana (live), Stellar (live), with additional integrations in development
- Core vaults have no minimum deposit and no lockup period
- S-Tokens are fully composable across DeFi (tradable, usable as collateral)
- Yield comes from real cash flows, not token emissions

## Team
- Manuel Rensink, Co-Founder: Built $130M annual sales at RiskMetrics (IPO), Head of MENA at MSCI, Innovation & DeFi at Securrency
- Tyler Carter, Co-Founder: Index veteran since 2012, Head of Digital Assets at S&P and Securrency, launched first quant crypto ETFs and tokenized indices
- Anton Grigorev, CTO: Ex Rocket engineer, ex Matter Labs (zkSync), Head of blockchain engineering at Securrency
- Ross Blyth, CMO: Ex Co-Founder Surge Labs (Web3 marketing), drove $65M+ in raises for Web3 projects

## Links
- Website: https://splyce.finance
- App: https://solana.splyce.finance
- Documentation: https://docs.splyce.finance
- X/Twitter: https://x.com/SplyceFi
- GitHub: https://github.com/Splyce-Finance
- LinkedIn: https://www.linkedin.com/company/splycefinance

## Contact
For partnerships and press: https://splyce.finance