Snapshot
Continue to About ↓- What it does
- Upshift is B2B onchain yield infrastructure that lets fintechs, exchanges, wallets, neobanks, treasuries and asset managers offer yield inside their own products using non-custodial smart-contract vaults.
More detail
- Depositors hold a receipt token while a professional curator runs the strategy within onchain limits, and partners embed vaults through an SDK, API or the Upshift vault app.
- It spans tokenized T-bill and money market vaults, blue-chip lending, and market-neutral strategies, plus USDC credit lines for pre-funding and settlement.
- Best for
- Fintechs, exchanges, wallets, neobanks and payment companies that want to pay yield on stablecoin balances inside their own product, and treasuries, asset managers or RWA issuers seeking tokenized money market or onchain strategy vaults with permissioned, custody-preserving controls.
- Pricing
- Upshift earns money through vault fees set per vault by a Gnosis Safe multisig that owns each vault and sets fees and caps
More detail
- partners embedding vaults through the SDK or API "share in the fees." Some vaults charge a fee for instant redemption, while standard claimable redemptions are processed daily.
- Main limitation
- Retail individuals wanting to self-manage funds or get guaranteed fixed returns, and teams that need instant liquidity on every position or refuse any curator involvement.
- Record
- Living and monitored
- Reviewed
- Evidence
- Public web research
- Machine access
- Structured profile ↗
About
- Upshift is B2B onchain yield infrastructure that lets fintechs, exchanges, wallets, neobanks, treasuries and asset managers offer yield inside their own products using non-custodial smart-contract vaults.
- Depositors hold a receipt token while a professional curator runs the strategy within onchain limits, and partners embed vaults through an SDK, API or the Upshift vault app.
- It spans tokenized T-bill and money market vaults, blue-chip lending, and market-neutral strategies, plus USDC credit lines for pre-funding and settlement.
What it helps with
- Fintechs and wallets want to pay yield on customer stablecoin balances without building vault contracts, risk controls a
- Corporate treasuries need 24/7 tokenized money market fund exposure with redemption liquidity rather than idle balance-s
- Asset managers want to offer a strategy as an onchain fund wrapper without building the wrapper, pricing and NAV validat
- RWA issuers need instant USDC exits for holders of tokenized funds, addressed by Upshift Clear.
- Regulated institutions need permissioned vaults with depositor whitelisting, deposit caps and per-vault KYC/AML configur
- Partners need to reach both centralized venues and onchain protocols from one vault architecture rather than a single pr
- Payment and card providers need float that earns until spent, with atomic redemption at the point of sale.
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| Curated yield vaults across risk bands | Yes | Cash (T-bills/MMF, 3–4% indicative APY), Core (blue-chip lending, 5–7%) and Enhanced (market-neutral, 8%+); yields vary and are never guaranteed. |
| Non-custodial receipt-token structure | Yes | Deposits sit in audited vault contracts and depositors hold receipt tokens, keeping custody. |
| SDK and API integration | Yes | Partners embed vaults in their own app through the Upshift SDK or API, or list in the Upshift app. |
| Permissioned vaults and KYC/AML | Yes | Whitelist depositors, set deposit caps, run single-institution vaults and configure KYC/AML per vault. |
| Onchain policy-engine risk limits | Yes | Curators on Upshift prime accounts trade inside limits by chain, protocol, token and contract function. |
| Independent NAV and audits | Yes | Securitize Fund Services provides independent NAV; contracts have passed 11 audits by 6 firms. |
| Instant redemption on all vaults | Limited | Redemptions are processed daily on a claimable basis; only some vaults offer instant redemption, and for a fee. |
| USDC credit lines | Yes | USDC lines for pre-funding and settlement are listed as a product line. |
| CeFi and DeFi strategies in one vault | Yes | Vaults can route capital through onchain protocols and centralized venues in the same architecture. |
| Published fee schedule and minimums | Unknown | Fees are set per vault and redemptions may carry a fee, but no fee percentages, minimums or gas terms are published. |
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Evidence
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- Primary source
- upshift.finance
Technical profile details
Record ID
a7bc4a5a-9404-48b8-ae8f-69f9cbab10d0Canonical URLhttps://profiles.scribble.network/listing/upshift-stablecoin-yield-infrastructure-a7bc4a5a