Earn on USD

The most proven yield engine in DeFi now comes to stablecoins

For four years, the Fluid Lite ETH Vault has been the biggest and most popular yield strategy on Ethereum, growing to roughly $2B in assets under management. That infrastructure has kept working through every market cycle.

Now we're bringing the infrastructure to stablecoins.

Fluid Lite USD delivers a fixed APR, cross-chain support, and the simplest user experience in DeFi. Just deposit. Earn. That's it.

What is Fluid Lite USD?

Fluid Lite USD is an automated vault that pays a fixed rate with a minimum 6% APR on stablecoin deposits. The rate can go higher, and historically it's typically ranged between 8% and 10%. The 6% is the floor. Unlike variable-rate DeFi products where your returns swing with market volatility, Fluid Lite USD uses a governance-set fixed rate, so your yield stays predictable, every single day.

No sudden drops. No chasing rates. Just stable, dependable earnings.

That makes Fluid Lite USD an ideal savings product for individual users, wallets, fintechs, and institutional distributors looking for reliable stable-yield infrastructure.

How it works

The design is intentionally simple:

• Deposit stablecoins into the vault

• Earn a minimum 6% fixed APR

• Withdraw anytime, with just a 0.05% withdrawal fee and no deposit fees

Because the rate is fixed rather than floating, your APR doesn't move when markets get volatile. The vault handles the strategy automatically. You don't need to manage positions, rebalance, or monitor anything.

Cross-chain by design

Fluid Lite USD is live on Ethereum, with cross-chain yield strategies spanning Arbitrum, Plasma, and Ethereum. That means the vault can source yield across multiple networks while keeping the user experience unified and simple.

The yield-bearing stablecoins behind the vault

Fluid Lite USD initially supports three institutional-grade, yield-bearing stablecoins:

sUSDe — Ethena

USDe is a synthetic dollar backed by delta-hedged positions, making it one of the highest-yielding stablecoin-adjacent assets in DeFi. Its staked version, sUSDe, passes that yield through to holders.

syrupUSDC & syrupUSDT — Maple Finance

Maple Finance is an institutional-grade, onchain asset manager offering secured lending and yield products. Its syrup tokens bridge traditional finance with DeFi, bringing institutional credit strategies on-chain.

sUSDai — USDai

sUSDai is a synthetic dollar designed to finance the physical infrastructure of AI, connecting real-world capital needs with on-chain yield.

By combining these assets under one automated, fixed-rate vault, Fluid Lite USD gives depositors diversified exposure to some of DeFi's most established yield sources without the complexity of managing each one directly.

Why fixed-rate matters

Most DeFi yield products advertise high APRs that evaporate the moment conditions change. Fixed-rate yield flips that model. With a governance-set rate, you know what you're earning before you deposit. That's exactly what wallets, fintechs, and institutions need to build dependable savings products on top of.

Vault details at a glance

• Minimum 6% fixed APR (governance-set)

• 0.05% withdrawal fee

• No deposit fees

• Fully automated

• Live on Ethereum, with cross-chain strategies across Arbitrum, Plasma, and Ethereum

Start earning today

Fluid Lite USD brings four years of proven yield infrastructure to the stablecoins you already hold, with a fixed rate, cross-chain reach, and a deposit-and-earn experience that stays out of your way.

Deposit stablecoins. Earn a minimum 6% fixed rate. That's it.

Start now →