Vault

What is the dForce Vault?

The dForce Vault is a permissionless, AI-optimized yield vault designed to connect stablecoin depositors with high-quality Real-World Asset (RWA) markets. Built atop the dForce RWA infrastructure, it enables users to seamlessly earn real-world yield by allocating capital to pre-approved, institution-grade RWA markets—all without needing technical knowledge or prior approval.

Functioning as a smart, autonomous yield aggregator, the dForce Vault empowers a new wave of decentralized capital deployment, managed by expert Vault Curators and optimized for risk-adjusted performance through AI-enhanced strategies.

Key Features

  • Permissionless Access: Anyone can deposit supported stablecoins (USDT, USDC, USX) into the vault - no whitelisting required.

  • Curated RWA Allocation: All deposits are allocated exclusively to pre-approved and compliant RWA markets. Each market undergoes thorough asset verification and due diligence to ensure institutional-grade quality, legal soundness, and transparency.

  • Vault Curator Management: Each vault is overseen by a designated Curator who actively manages strategy, capital allocation, and risk exposure. Curators are responsible for asset vetting, market selection, and ongoing portfolio monitoring.

  • Real Yield Distribution: Income generated from RWA exposure (e.g., interest, lease payments) is automatically and transparently distributed to depositors, offering sustainable, risk-adjusted returns.

  • Composable & Modular Design: Vaults are built with a flexible architecture, allowing fine-tuned configuration of key parameters such as asset allocation ratios, risk tolerance bands, redemption schedules, and optional lock-up periods—enabling tailored strategies for different risk-return profiles.

  • Seamless DeFi Integration: Native to the dForce ecosystem, vaults are fully interoperable with lending, stablecoin, and cross-chain modules—enabling capital efficiency and strategic composability.

Key Participants

  • Stablecoin Depositors: Users who contribute capital to the vault and earn real-world yield.

  • Vault Curators: Strategists responsible for optimizing vault performance through capital allocation across pre-approved, compliant RWA markets. Curators oversee asset verification, ensure markets meet institutional due diligence standards, and enforce KYC/AML compliance at the market level. They also manage ongoing risk exposure and oversee the transparent distribution of real yield to depositors.

  • RWA Market: Entities that offer verified RWA collateral to raise capital through on-chain markets, while contributing real yield generated from these off-chain assets back to the DeFi ecosystem.

  • dForce Protocol: Provides the foundational infrastructure, smart contracts, and cross-chain integration for vault creation and operation.

Workflow

1

Vault Deployment

  • A new vault is created with defined parameters (e.g., supported stablecoins, target markets, withdrawal terms).

  • A Vault Curator is assigned to manage strategy and capital allocation.

2

User Deposit

  • Anyone can deposit stablecoins (USDT, USDC, or USX) into the vault without permission or KYC.

  • Deposits are pooled and made available for allocation by the Curator.

3

Capital Allocation

The Curator evaluates and allocates stablecoin liquidity to pre-approved RWA markets.

4

Yield Generation

  • Approved RWA borrowers draw capital under predefined terms.

  • Interest payments and repayments flow back into the vault as yield.

5

Yield Distribution

  • Earnings are redistributed to vault depositors in proportion to their share.

  • Performance, allocation, and risk metrics are made transparent on-chain.

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