What is Upshift?
For Fintechs & Neobanks
15 May 2026
Updated
16 Oct 2026

What is Upshift?

Ethan Luc
Written by Ethan Luc
Upshift
Vaults
Yield Vaults
DeFi Yield
Non-custodial
Institutional

Teams use Upshift to turn digital assets, such as stablecoins, into financial products, and the platform works as the operating system for institutional onchain asset management.

Upshift lets teams design and launch vaults on 30+ chains with any DeFi or CeFi strategy. Upshift has reached $550M+ in peak TVL across 50+ vaults, with 66,000+ users and 11 smart contract audits by 6 independent firms. The vaults sit on a proprietary prime stack. That stack gives them access to an institutional LP network with $1B+ in capital, multi-oracle NAV validation and a policy engine that keeps funds on allowlisted chains and protocols.

Broadly, Upshift enables:

  • Custom Earn vaults - Teams ranging from crypto neobanks to institutional credit issuers can use Upshift to design yield strategies on and off chain e.g. lending, basis trade, RWAs. Upshift vaults can deploy simultaneously to multiple protocols, meaning developers can build vaults customised to their users' risk profile.
  • Custom financial products - Beyond Earn, teams can use Upshift vaults to build solutions for card settlement financing and instant redemption facilities for RWAs. Vaults are infrastructure for accessing the benefits of crypto and DeFi.
  • Drop-in SDK integration - The Upshift SDK makes it simple to white-label any existing Upshift vault on third-party frontends. Functionality includes deposit/withdrawal, alongside metadata such as historical performance and total assets deposited.

Adding stablecoin yield to your app? See how neobanks and fintech apps launch Earn under their own brand on Upshift vaults. The Upshift team can scope a launch with you.

See the yield options for your balance

Or book a 30-minute call

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