Polystream Vaults
Engineering advanced crypto yield strategies.
A Simple Way to Earn Crypto Yields
Polystream Vaults offer a familiar banking-like experience with the higher yields of crypto - without any of the complexity. We handle all the technical details so you don't have to.
A Truly Simple Experience
With Polystream, you'll only see one asset in your account: USDC. Behind the scenes, our protocol handles everything else:
Converting between currencies
Deploying to optimal yield strategies
Managing positions across protocols
Hedging against market volatility
Rebalancing for maximum returns
You never need to know what terms like "AMM," "crosschain," or "LP" mean - because you shouldn't have to.
What You See
Your dashboard shows only what matters:
Your Balance: The current value of your deposits in USDC
Your Earnings: How much your deposit has grown
Current APY: The annual yield rate you're currently earning
Risk Level: Simple indicator of the strategy's risk profile
Getting Started is Easy
Deposit: Buy USDC directly with your local currency
Choose a Strategy: Select based on risk level and target yield
Earn: Watch your balance grow while we handle everything else
Available Strategies
Conservative
⚠️
3-5%
Focus on lending to established protocols
Balanced
⚠️⚠️
5-10%
Mix of lending and staking strategies
Growth
⚠️⚠️⚠️
10%+
Higher yield with managed risk through advanced strategies
Strategy Breakdowns
Conservative Strategy
The Conservative strategy prioritizes capital preservation while still delivering yields significantly higher than traditional banking:
What we do: We allocate your USDC primarily to leading lending protocols with the strongest security track records and most consistent returns.
Behind the scenes: Your funds are distributed across multiple established lending platforms where borrowers pay interest to use these funds. We continuously monitor interest rates and shift allocations to maximize returns while maintaining strict risk parameters.
Ideal for: Users who prioritize security and stable returns over maximum yield potential.
Balanced Strategy
Our Balanced strategy offers the sweet spot between risk and reward:
What we do: We deploy your USDC across a diversified mix of lending protocols and staking opportunities, with strategic hedging to protect against market volatility.
Behind the scenes: A portion of your funds is converted to ETH and other assets for staking while maintaining significant allocations in stablecoin lending. Our automated rebalancing system adjusts the ratio between these strategies based on market conditions.
Optimization advantage: Research shows that optimal rebalancing frequency can improve returns by up to 27%. By pooling user funds, we can execute these rebalancing operations cost-effectively, even for smaller deposits.
Ideal for: Users looking for enhanced yields while maintaining moderate risk exposure.
Growth Strategy
The Growth strategy aims for maximum sustainable yields:
What we do: We utilize advanced DeFi techniques including strategic positions in Scroll ($SCR), ETH restaking, and optimized liquidity provision.
Behind the scenes: Your USDC is strategically allocated across the entire yield spectrum, including:
ETH and Liquid Staking Derivatives for base staking returns
Liquid Restaking Tokens to enhance ETH staking yields
Scroll Token ($SCR) staking and ecosystem opportunities
Strategic hedging positions to mitigate downside risk
Dynamic rebalancing at optimal frequencies based on deposit size
Risk management: Despite the higher yield target, we employ sophisticated risk controls:
Real-time protocol monitoring for early risk detection
Automatic position adjustments based on volatility metrics
Smart deposit limits per protocol to limit exposure
Diversification across multiple yield sources
Ideal for: Users seeking maximum yields who understand and accept the associated higher risk level.
What Happens Behind the Scenes
While you see a simple USDC balance, Polystream is working hard for you:
Converting portions to ETH, stablecoins, and other tokens
Deploying to verified lending platforms
Participating in ETH staking and restaking
Opening strategic positions to maximize yield
Continuously monitoring and adjusting allocations
Advanced Yield Engineering
Our platform leverages several sophisticated techniques that would typically be inaccessible to average users:
Smart Rebalancing
Research shows optimal rebalancing frequency varies by investment size:
Small portfolios ($2K-$6K): Monthly rebalancing optimal
Medium portfolios ($6K-$18K): Bi-weekly rebalancing optimal
Large portfolios (>$18K): Weekly rebalancing optimal
By pooling user funds, we can implement the most efficient rebalancing strategy regardless of your deposit size
Our algorithms continuously monitor for rebalancing opportunities, executing only when the potential gain exceeds transaction costs
Protocol Selection & Risk Management
We only integrate with top protocols (>$5M TVL) that have passed our rigorous security assessments
AI-powered monitoring system evaluates protocol health in real-time:
TVL (Total Value Locked) stability and growth
Smart contract audit status
Developer activity and community support
Historical reliability and incident response
Automatic adjustments when risk parameters exceed thresholds
Strategic Hedging
For stable yield generation:
Opening calibrated short positions to neutralize market volatility
Maintaining optimal ratios between correlated assets
Implementing liquidation protection mechanisms
Diversifying yield sources to prevent single-point failures
Fiat Integration Efficiency
Our fiat-crypto ramp optimizes conversion rates and minimizes slippage
Batched processing reduces individual transaction costs
Strategic timing of conversions based on market conditions
Seamless multi-currency support (USD, EUR, MYR, etc.)
Withdraw Anytime
Your funds remain accessible:
Simply request a withdrawal in the app
Receive funds quickly without dealing with bridges, swaps, or gas fees
For Those Who Want More Detail
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