Crypto grew fast. DeFi liquidity didn’t.
Ecosystems stayed siloed, fragmented across chains.
River’s chain-abstraction stablecoin system connects the pieces.
With River, you can deposit on Chain A and mint satUSD on Chain B — staying native, no bridges. In just two months, TVL reached $600M, satUSD circulation hit $270M, and we ranked #1 stablecoin on BNB Chain.
But whenever we spoke with institutions and users, the same question came up:
Can I just deposit and earn yield—without collateral ratios or liquidation risk?
The answer is Smart Vault.
Smart Vault: One Click Into River’s Yield Cycle
Smart Vault is built for simplicity.
- You deposit assets.
- The protocol mints satUSD based on LTV (0–100%).
- Minted satUSD never leaves the system — it is staked into the satUSD Staking Pool, weighted by each asset’s staking factor.
- The Vault manage the position, and at maturity you withdraw both your principal and the accumulated yield in one click.
First Round Details
- Deposit Opens: September 10, 14:00 (UTC+0)
- Deposit Period: 5 days
- Asset: USDT
- Total Cap: $10M USDT (first-come, first-served)
- Earning Period: 45 days
- Lock Period: 3 days
- Total APR: 40.8% APR
Your 40.8% APR Breakdown
- 16.8% in satUSD (guaranteed)
- 24% in River Pts (based on 200M FDV)
Example : Deposit 100,000 USDT → After 45 days, withdraw:
- Principal: 100,000 USDT
- Real Yield: 2,100 satUSD (16.8% APR)
- Implied Yield: 150,000 River Pts
Where Yield Comes From
Smart Vault returns are split into two parts.
Real Yield : 16.8%
- satUSD staking pool
- Protocol incentives
- Automated DeFi and CeDeFi strategies
Implied Yield : 24%
- River Pts allocation, convertible to $RIVER
- Rate: 1.5 River Pts per $1 deposited
- Total 15M River Pts distributed in this $10M round
How to Join
- Go to app.river.inc on September 10, 14:00 (UTC+0)
- Connect wallet, deposit USDT
- Wait 45 days, claim returns
How Smart Vault Works
- Deposit: You put in assets.
- Minting: The protocol mints satUSD against your assets, using an LTV range of 0–100% determined by the asset’s liquidity and risk profile. This satUSD never circulates outside the system.
- Staking: From the satUSD minted, a portion — defined by each asset’s Staking Factor — is staked into the satUSD Staking Pool.
- Underlying Assets: Meanwhile, your deposited assets are deployed into whitelisted DeFi and CeDeFi strategies (e.g., Pendle, Morpho) in institutional-grade custodian wallets.
- Risk Control: Exposure is capped and diversified. No debt positions. No liquidation risk.
- Maturity: After the Earning Period, the vault unwinds automatically and you withdraw your assets principal + yield + River Pts.
The important part: your assets never leave River in a risky way.
The key: your assets never face liquidation. satUSD is created, staked, and monetized entirely inside River.
A New Yield Model
Traditional CDPs (e.g., MakerDAO) create debt: you borrow stablecoins, manage collateral ratios, and face liquidation risk.
Smart Vault removes all of that.
- satUSD is minted, but it never circulates outside the system.
- It’s staked internally in the staking pool.
- You only receive the yield.
No debt. No liquidation. Just yield.
Ready to Join?
Smart Vault opens September 10, 14:00 (UTC+0) / 22:00 (UTC+8) at app.river.inc.
With a $10M cap and high institutional demand, spots will fill fast.
Don’t just hold assets — put them to work.
Connect with value. Flow with River.
About River
River is building the first chain-abstraction stablecoin system that connects liquidity across ecosystems and channels it into new growth opportunities.
Powered by the omni-CDP stablecoin satUSD, River allows users to collateralize assets on one chain and mint on another — natively earning, leveraging, and scaling across networks.
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