Products
Vaults
Curated yield strategies with different risk and reward profiles. Each vault runs a distinct approach to generating returns on your USDC.
Overview
memento Vaults are designed for investors who want exposure to yield-generating strategies without the complexity of managing positions themselves. Each vault is capacity-limited to ensure execution quality remains high.
5
Strategies
8-20%
Target APY
$500K
Max/Vault
$20K
Max/User
Available Strategies
Dividend Delta-Neutral
Capture high-dividend equity yields while neutralizing price exposure through systematic hedging.
Strategy: This vault invests in high-dividend equities while simultaneously hedging price exposure. The result is a stable yield stream without directional market risk.
9-11%
Basis & Funding Arbitrage
Extract yield from perpetual funding rates and futures basis spreads.
Strategy: By exploiting the difference between spot and futures prices, this vault captures consistent yield regardless of market direction. Funding rate arbitrage is one of the most battle-tested strategies in crypto.
11-13%
REITs / Real Estate
Tokenized real estate exposure delivering steady rental yields and property appreciation.
Strategy: Gain exposure to real estate through tokenized REITs. This vault provides steady rental income plus potential appreciation from the underlying properties.
12-14%
RWA Cashflow
Direct ownership in high-margin businesses. Laundromats, car washes, ATM routes, vending machines.
Strategy: Invest in real-world assets that generate consistent cash flow. These businesses have proven track records and provide yields uncorrelated with crypto markets.
15-20%
Stablecoins
Curated stablecoin yield opportunities across vetted DeFi lending and farming protocols.
Strategy: Deploy stablecoins across established DeFi lending protocols like Aave, Compound, Spark, and Pendle. These protocols have billions in TVL and years of battle-tested security.
13-15%
Important
How to Use Vaults
Connect Your Wallet
Connect a Solana wallet with USDC. Make sure you have some SOL for transaction fees.
Choose a Vault
Review each vault strategy and select one that matches your risk tolerance and investment goals.
Deposit USDC
Enter the amount you want to deposit (up to $20,000 per vault). Confirm the transaction in your wallet.
Earn Rewards
Your deposit immediately starts earning. Track your pending rewards on the dashboard.
Claim or Withdraw
Claim your rewards anytime for free. Withdraw your principal whenever you want (1.5% fee applies).
Fee Structure
| Action | Fee | Notes |
|---|---|---|
| Deposit | 1.5% | Applied when depositing USDC into a vault |
| Withdraw | 1.5% | Applied when withdrawing USDC from a vault |
| Claim Rewards | Free | No fee to claim your earned rewards |
Where Do Fees Go?
50%
Buyback & burn $MM
50%
Operations & growth
Vault Limits
Each vault has capacity limits to maintain execution quality and ensure strategies remain effective at their current scale:
| Limit Type | Current | Purpose |
|---|---|---|
| Total Vault Capacity | $500,000 | Ensures strategies remain effective at scale |
| Per-User Maximum | $20,000 | Promotes fair distribution among users |
| Minimum Deposit | $10 | Covers transaction costs |
Capacity Expansion
These limits are intentionally conservative at launch. Our long-term goal is $100M per vault. As we scale our infrastructure and deepen relationships with execution partners, both per-user limits and total vault capacity will increase:
- Brokerage limits: Our TradFi partners have allocation limits that grow with track record
- Liquidity depth: Larger positions require deeper markets to avoid slippage
- Operational capacity: Settlement, hedging, and rebalancing require infrastructure that scales over time
- Risk management: Starting small lets us refine processes before scaling
Capacity increases will be announced on Twitter/X and reflected in the app. $MM token holders may receive priority access to new capacity.
Pro Tip