splyceUSDC is a yield-bearing stablecoin. Deposit USDC and receive splyceUSDC, a token whose share price rises over time as yield compounds into it. No staking, no manual compounding, no lock-ups. Just hold it and the value accrues.
splyceUSDC uses a rising share price model. One deposit, one token, automatic compounding. The difference between your entry price and exit price is your yield.
01
Deposit USDC
Connect your wallet and deposit any amount of USDC. You receive splyceUSDC at the current share price. Your deposit starts earning immediately.
02
Share Price Rises
Yield from both buckets flows continuously into the share price. Your splyceUSDC balance stays the same, but what changes is what that balance is worth. Nothing to claim, nothing to manage.
03
Redeem Anytime
Redeem your splyceUSDC for USDC at the current share price. The difference between your entry and exit price is your yield. No lockup, no penalties, no unstaking delay.
Yield Sources
Where the Yield Comes From
splyceUSDC earns from two buckets working in parallel. Each has a different yield source, a different risk profile, and a different function.
Liquid Bucket (~60%)
Allocated across yield-bearing tokenized assets across Solana, Stellar, and soon Sui, including US Treasuries, synthetic dollars, and investment grade fixed income. This bucket prioritises liquidity, ensuring deposits can be redeemed at any time.
Fixed Income Bucket (~40%)
Deployed into Single Asset Vaults, earning lending spreads from real-world credit activity. This yield source does not move with crypto markets. When yields compress elsewhere, this bucket continues earning independently.
Target APY: 7-10%
Together the two buckets target 7-10% APY, with looping strategies using splyceUSDC as collateral capable of reaching 15-25%. These are targets, not guarantees.
Phase 1: Liquid Bucket Only
SAVs are not yet live. In Phase 1, splyceUSDC earns purely from the Liquid Bucket, diversified across yield-bearing tokenized assets on Solana, Stellar, and soon Sui. Phase 2 activates the Fixed Income Bucket when SAV lending spreads come online.
Multi-Chain
Multi-Chain by Design
splyceUSDC is available on Stellar, Solana, and Sui. No single chain dependency means broader access and better diversification.
FAQ
Frequently Asked Questions
What is splyceUSDC?
splyceUSDC is a yield-bearing stablecoin built by Splyce Finance. Deposit USDC and receive splyceUSDC, a token whose share price rises over time as yield compounds into it. No staking, no manual compounding, no lock-ups. Yield comes from two buckets: a Liquid Bucket allocated across yield-bearing tokenized assets, and a Fixed Income Bucket deployed into Single Asset Vaults earning lending spreads.
What APY can I expect from splyceUSDC?
splyceUSDC targets an APY of 7-10% across both buckets, with looping strategies capable of reaching 15-25%. These are targets, not guarantees. Actual returns depend on market conditions, collateral performance, and the allocation across both buckets at any given time.
How does splyceUSDC compound yield?
splyceUSDC uses a rising share price model. Deposit USDC, receive splyceUSDC at the current share price. As yield accrues, the share price rises. Redeem whenever you want. The difference between your entry price and exit price is your yield. Nothing to claim, nothing to stake.
Is there a minimum deposit or lockup period?
No. splyceUSDC has no minimum deposit and no lockup period. You can deposit any amount of USDC and redeem whenever you want.
What assets back splyceUSDC's yield?
splyceUSDC yield comes from two buckets. The Liquid Bucket holds roughly 60% of deposits, allocated across yield-bearing tokenized assets across Solana, Stellar, and soon Sui, including US Treasuries, synthetic dollars, and investment grade fixed income. The Fixed Income Bucket holds roughly 40%, deployed into Single Asset Vaults earning lending spreads from real-world credit activity uncorrelated to crypto markets.