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A vault is an aggregation layer that sits between lenders and markets. Instead of supplying directly to individual markets, users deposit into a vault. The vault allocates those deposits across multiple markets according to its strategy.

Structure

Each vault has:
ComponentDescription
Underlying assetThe asset the vault accepts (e.g., USDC, USDT0)
CuratorThe entity that manages allocation strategy and risk parameters
Market allocationsThe set of markets the vault supplies to and in what proportions
Supply capsMaximum deposits the vault will accept
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Shares and Assets

When you deposit into a vault, you receive vault shares representing your proportional claim on the vault’s total assets. Shares: Tokens minted by the vault when you deposit. They represent ownership, not a fixed amount. Assets: The total value the vault holds across all its market positions, denominated in the underlying asset (e.g., USDC). The vault does not pay interest directly. Instead, as underlying markets accrue interest, total assets grow while total shares remain constant. This increases the Price Per Share (PPS): PPS = Total Assets / Total Shares Your shares stay the same. Their redeemable value increases.

Curators

Curators are responsible for:
  • Selecting which markets the vault allocates to
  • Setting allocation weights and caps
  • Monitoring risk parameters (LLTV, collateral quality, utilization)
  • Rebalancing between markets
Different curators have different strategies and risk profiles.