About
Stablecoin yield that survives gas
Apyee is a non-custodial stablecoin yield aggregator. We auto-rebalance USDC across the major lending markets on 4 chains, so individuals keep yield that gas usually eats.
Why this exists
Stablecoin holders on Ethereum routinely pay more in gas to rebalance and harvest than they earn. A solo user with $1,000 at 5% APY makes $50 a year — and burns roughly $80 in gas across deposits, strategy switches, and harvests. The math is upside down.
Pooling fixes it. When 100 depositors share one vault, the Keeper rebalances once for everyone. Same operation, ~1/100 of the gas per user. Suddenly the 5% APY actually arrives.
What we built
The Apyee Vault is an ERC-4626 vault deployed on Ethereum, Base, Arbitrum, and BNB Chain. The Keeper allocates capital across 15 strategies — Aave V3, Compound V3, Morpho, Spark, and Fluid — using APY-weighted ratios with a 40% per-strategy cap and a 10% idle buffer for instant withdrawals.
AI powers product research — discovering and risk-analyzing new yield sources. Fund allocation is executed by a deterministic, audited engine.
Non-custodial by design
Funds live in the Vault contract. No custodian, no centralized treasury can move user assets. Withdraw anytime, no lock-up.
Auto-rebalanced, gas-aware
Keeper compares APYs every 5 minutes and only rebalances when the spread exceeds 10 bps and gas ROI clears 3×. Conservative on purpose.
Transparent fee model
15% performance fee on profits only. Principal is never touched. Fee is taken via share-price at harvest, not on individual withdrawals.
Where we are
The V2 Vault contracts are audited by Soken — a PASS at 91/100. The audit started at 55/100 with 16 findings including 1 Critical; every one was published and fixed. An audit lowers risk, it does not remove it. Deposits stay behind a per-chain cap while TVL grows (see the deposit page for the current limit).
The full Solidity source, ABI, and deployment artifacts are open at github.com/apyee-finance/apyee-protocol. Every mainnet Vault and Strategy is verified on the chain's explorer — addresses are pinned in the repo's deployments/ directory.
The plan is published transparently in our SPEC, our risk-grade methodology in Learn, and our live activity in Portfolio. If something breaks, we say so.
The team
A small focused team building in public. We come from full-stack engineering and DeFi operations — the kind of people who run their own positions and care about gas math. Roles, names, and bios will be published as we approach Public release.
For now, the fastest way to reach us is Telegram · X · [email protected].
Try the Vault
Auto-balanced stablecoin yield across 4 chains. Non-custodial, withdraw anytime, 15% fee on profits only.