Earn for exchanges and wallets
Upshift runs the non-custodial vaults behind your Earn product. Users deposit from their own wallets, and your team gets the audits, data room and DDQ answers before you integrate.
Five questions come up before any integration
Do you have audits and evidence we can review?
The contracts have had 10 smart contract audits by 6 independent firms. Your team also gets the data room and written answers to the standard vendor DD questions.
We can't take custody or touch the transaction flow.
Users sign deposits from their own wallets and the vault contract holds the assets. Embed the flow with the SDK, or link to a branded page Upshift hosts.
Will it compete with our existing Earn product?
It can sit beside a passive product as an actively managed option, with its own risk band and its own disclosures.
How do we earn from it?
A fee wrapper vault gives your users their own share class, with your fee on top and a separate record of their balances.
Can we limit it to our users?
Vaults can be permissioned with KYC and an allow list of depositors. The policy engine restricts where funds go by chain, protocol, token and contract function.
Wallets and apps already running Upshift vaults
Xaman users deposit into the earnXRP vault through Flare Smart Accounts, with one XRPL-signed transaction.
Xaman's announcement
D'CENT hardware wallet users deposit XRP into vaults on Flare from their device, and XLM into vaults on Stellar.
The Block's coverage
Jumper Earn lists the earnAUSD Looping Vault on Monad, with a rewards boost for deposits made through Jumper.
The launch postBuild it yourself, or let Upshift build it for you
| Building it yourself | With Upshift | |
| Vault contracts | Build, audit and maintain your own | Live contracts with 10 audits by 6 firms |
| Strategy | Hire a trading team or route into one protocol | Professional curators run each vault inside a mandate you approve |
| Pricing | Build NAV accounting in-house | Multi-oracle engine prices every position independently of the curator |
| Risk limits | Monitor positions by hand | The policy engine reverts anything outside the mandate, onchain |
| Redemptions | Run your own withdrawal queue | Claimable redemptions processed daily, instant redemption on most vaults for a fee |
| Time to launch | Months of engineering | Tria went live two weeks after starting its SDK integration |
From first call to live Earn
- 1
Review
Your compliance and security teams work through the data room, the audit reports and the DDQ answers.
- 2
Choose vaults
Pick live vaults or have one built to your mandate, from a 24/7 T-bill rate up to market-neutral strategies.
- 3
Integrate
Add deposits to your app with the SDK, or send users to a branded page Upshift hosts.
- 4
Launch and report
Positions, NAV and allocations are readable onchain and on app.upshift.finance from day one.
Live with Kraken Institutional and Tria
Kraken Institutional clients allocate from their qualified custody account, and Tria shipped Earn to users in 150+ countries through the SDK. Read the Kraken Institutional case study or the Tria case study.
FAQs
Is Upshift custodial?
Upshift vaults are non-custodial. Depositors hold a receipt token and redeem at NAV under each vault's published withdrawal terms. Curators can only move funds between whitelisted protocols.
Who runs the strategies?
Professional curators such as Sentora run each vault inside a mandate the policy engine enforces onchain. The curator decides allocations and has no say in how positions are priced.
How long does an integration take?
Tria went live with BTC and stablecoin Earn two weeks after starting its SDK integration. The timeline depends on your review process and the vaults you choose.
What do we get for our DDQ?
The audit reports, the data room, written DD answers, the contract roles (owner multisig, operator and ProxyAdmin multisig) and each vault's timelock settings. The vault provider DD guide lists the questions and answers.
Are the yields guaranteed?
No. Vault rates float with market conditions and are shown on each vault page.
Can institutional clients use it from custody?
Yes. Kraken Institutional clients allocate into permissioned vaults from their qualified custody account.