VaultChain

DeFi has had large losses. VaultChain is unaudited testnet software, and using it can mean losing some or all of what you put in.

A paid on-chain membership account.

New capital splits by code: 80% stays liquid -- spend it, move it -- while 20% becomes your locked stake, the collateral engine that prices your limits, multipliers, and rank. The 20% reserve is withdrawable when its lock ends, or earlier for the disclosed early exit fee. While held, it may receive a share of the rewards pool, which can be zero. Bring withdrawn money back inside your Return Window and it is not split again.

"New capital pays entry once. Cycled capital moves free inside your window -- and every dollar that moves, in any direction, feeds the machine."

Fixed supply of 100M. Hard cap. Only decreases.

Every protocol action pays a small, disclosed toll -- and every toll splits the same immutable seven ways:

Protocol fees are charged on user actions, including a fee deducted from each new deposit.

Rewards vary, can be zero, and are not promised.

23% of protocol fees goes to a rewards pool. Rewards accrue only on funds actually in the vault: the liquid portion earns the base rate, and the locked reserve earns a boosted share (adjusted by VaultMomentum up to 2.0x) while its lock runs, limited to what the pool holds. Nothing accrues on withdrawn funds. Lending is not live.

Five design commitments, described in our Terms of Service and enforced in the contracts where noted.

Commitment 1: The protocol does not take your funds except for the disclosed fees. Fraud holds and dormancy rules can delay access; see the Terms for how long.

Commitment 2: Every fee is shown before you pay it. No hidden spreads, no surprises on the receipt. Every fee follows one public split, readable on-chain by anyone.

Commitment 3: You can withdraw your liquid balance at any time, outside the fraud hold and dormancy rules described in the Terms. Locked amounts can be withdrawn early for a 2% to 5% fee shown before you confirm. The 20% reserve follows its lock terms.

Commitment 5: Nothing moves in the dark. Every protocol fee follows one fixed split, written into the contract and verifiable on-chain. The seven-way split percentages are hardcoded and can never change; in the launch contracts, payout addresses can change only through a 48-hour public on-chain timelock; the current testnet deployment is an older build without this protection and will be replaced at the launch rehearsal.

Commitment 4: You can name a beneficiary and change them at any time. Ships with heir designation -- works here with demo data, part of the roadmap for mainnet. This is not a will. Dormant accounts may be subject to state unclaimed property rules.

Live on Base testnet. Vault, Allocation, VLT, and FeeRouter are verified on BaseScan; MockUSDC is a test token. These commitments are design goals enforced where noted in the contracts -- they are not guarantees, and features may change before mainnet.

Custody contracts live on Base Sepolia today.

Try the demo from your phone in sixty seconds -- connect a wallet, mint test USDC, deposit into a time-locked vault, and read the receipts on-chain.

Planned, subject to change and to any required licenses: mainnet on Base, then other features under review. See the Roadmap for the full picture.