The first Smart Vault round reached $10M USDT in deposits within 12 hours, generating 16.5% real yield and +24% implied yield through River Pts.
At the current River Pts market price (~$0.04), the implied APR equals roughly 48%, bringing total estimated returns for Phase 1 participants to ~64% APR.
Earn 6% Real Yield + 7.5 M River Pts
USDT Smart Vault Phase 2 starts on November 1, offering 6% guaranteed real yield and 7.5 million River Pts distributed among all participants who deposit in the vault.
The vault runs for 45 days, from November 5 to December 14, with no cap and no lock-in limit.
- Deposit Opens: November 1, 14:00 (UTC +0)
- Earning Period: November 5 – December 14
- Asset: USDT
- Network: Etheruem
- Total Cap: Unlimited
- Duration: 45 days
- Real Yield : 6% APR
- Implied Yield : 36% APR
Your 6% + 36% River Pts APR Breakdown
6% Real Yield
- Distributed in satUSD
- Claimable after the 45-day vault ends
36% Implied Yield
- Each additional 10 M USDT deposited adds 2.5 M River Pts to the reward pool (up to 7.5 M max)
- Max 7.5 M River Pts shared among all participants
- Added to the Season 3 leaderboard and claimable when S3 ends
- This est. APR is based on $RIVER = $7.5 and Day-135 Conversion Rate = 0.02.
- Convertible to $RIVER anytime within 180 days via Dynamic Airdrop Conversion
Example:
Deposit 100,000 USDT → After 45 days withdraw:
- Principal: 100,000 USDT
- Real Yield: 750 satUSD (6% APR)
- Implied Yield: River Pts (added to S3 leaderboard) based on your share in total deposits
What Is River Pts and Dynamic Airdrop Conversion
River Pts are River’s ERC-20 ecosystem points — they can be converted into $RIVER anytime within 180 days, with the conversion ratio rising over time through River’s Dynamic Airdrop Conversion, the first time-encoded tokenomics.
The conversion curve shows how time relates to the amount of tokens a user receives. Holding 1 M River Pts from Day 1 to Day 180 can lead to a 270× difference in $RIVER output, depending on when conversion occurs.
River
How to Join USDT Smart Vault Phase 2
- Visit app.river.inc on November 1, 14:00 (UTC+0)
- Connect your wallet and select USDT Smart Vault – Phase 2
- Deposit USDT — there is no minimum, cap
- Wait 45 days for the earning period (Nov 5 – Dec 14)
- Claim returns directly after the vault ends
The Smart Vault: One-Click Yield, Zero Liquidation
Smart Vault was built around a single idea:
Yield should be simple — no debt positions, no liquidation risk, no manual strategies.
Here’s how it works:
- Deposit assets — this round: USDT on Ethereum
- Protocol mints satUSD internally, pegged to your collateral value
- satUSD is auto-staked into the satUSD Staking Pool
- You withdraw principal + yield + River Pts after 45 days
No liquidation. No debt. Just yield.
Learn more → https://docs.river.inc/products/smart-vault
Why It Matters
Smart Vault turns complex yield strategies into a one-click action.
It removes collateral management, risk exposure, and manual rebalancing — allowing any USDT holder to earn passive returns directly inside River’s chain-abstraction ecosystem.
Every deposit feeds back into River’s liquidity loop — strengthening the system that now powers $700 M + TVL and $300 M + satUSD circulation across multiple ecosystems.
About River
River is building a chain-abstraction stablecoin system that connects assets, liquidity, and yield across ecosystems.
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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