Some vaults are run by a curator, a company that chooses where the money is lent. The row names that company when the vault publishes it. A curator who can change fees or pause withdrawals with no waiting period is a real risk, so the app shows that as a warning on the vault and again at the review step.
Liquidity matters on the way out. If most of a vault's money is lent to borrowers at the moment you ask, a large withdrawal may have to wait for repayments. Your deposit is still yours, but you cannot always leave in one step.
Check a vault
- 1
Open Earn and tap the vault you are considering.
Vaults that are not offered to your account do not appear. If a vault on another chain is missing from your list, it is not available to you yet.
- 2
Find who runs the vault and its notice period.
A notice period of zero means the curator can act with no warning. The app flags that.
- 3
Read the liquidity line and any warning under the safety score.
Low liquidity, a paused vault, or a vault being wound down is called out in plain words.
- 4
Enter an amount and read the review step before you sign.
The same warnings repeat there, together with the fees and the risk note: this is not a bank deposit and is not covered by deposit insurance.
- 5
If the app says the vault is not taking deposits, accept the alternative it offers or pick another vault.
A paused, deprecated or closed vault refuses new deposits. The app suggests the best vault you can use instead, and you choose whether to switch.
Good to know
- If a vault you already hold turns low on liquidity, paused or deprecated, you get a notification that says what changed and what it means for your money.
- Leaving a vault can involve two different fees. One is a small share of the yield you earned, collected only at withdrawal. The other is a small service fee on the amount you withdraw, under 1%. The review step shows each one before you sign, and the Fees screen lists the current figures.
- Network gas and a curator's own vault fee are not STB fees. Gas goes to the network, and the vault fee is taken by the vault.
Frequently asked
The company or team that decides where a vault lends the money and sets its rules. You are trusting that party and the vault contract, not a bank.
A paused vault can. A vault with thin liquidity can also make a large withdrawal wait. The app warns you before you deposit and notifies you if a vault you hold changes state.
Some vaults are shown only once they pass extra checks, such as a non-zero notice period. If your account does not list a vault, the app does not offer it to you.
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