Card programs, PSPs and remittance companies put operating balances into vaults that keep earning and pay out the moment a card is swiped or a payout is due.
Yes. Atomic Vaults redeem the exact amount of vault shares at the moment of payment, and the rest keeps earning.
A settlement buffer covers normal flows, and Upshift Clear can exit tokenized positions for USDC in one transaction.
Yes. Separate vaults can be set up per merchant or client group, each with its own records.
CeFi Lending vaults lend to institutional borrowers under limits the policy engine enforces, which can fund settlement and working capital.
With a flow-of-funds review: which balances you hold, for how long, and how fast they need to move.
| Building it yourself | With Upshift | |
| Idle float | Sits in a bank account or plain stablecoins | Earns in a vault until the second it's needed |
| Spending | Move money out of yield before every payment | Atomic redemption at point of sale |
| Weekends | Pre-fund or wait for banking hours | A buffer plus instant exits through Upshift Clear |
| Contracts | Build and audit your own | Live contracts with 10 audits by 6 firms |
| Risk limits | Monitor by hand | The policy engine reverts anything outside the mandate |
| Reporting | Reconcile across providers | Positions and NAV readable onchain |
We look at which balances you hold, for how long and how fast they move.
The vault keeps enough liquid for normal payouts and invests the rest.
Card or payout flows call the vault through the SDK and redeem atomically.
Float earns between payments, and every position is readable onchain.
Read what PayFi is and how card programs earn on float, or see the yield options behind a float vault.
Balances sit in a vault that holds tokenized T-bills or lending positions, and the exact spend amount is redeemed atomically when the card is used.
The vault redeems shares and pays the merchant in the same transaction. The payment either completes in full or doesn't happen at all.
A stablecoin buffer sized to normal flows pays out straight away, and larger amounts can exit through Upshift Clear.
Upshift vaults are non-custodial. Curators can only move funds between whitelisted protocols.
No. Vault rates float with market conditions and are shown on each vault page.
CeFi Lending vaults lend to institutional borrowers under onchain limits, which can fund settlement and receivables.
Tell us how your balances move: card float, settlement or payouts. We'll come back with the vault setup, the buffer size and a timeline.