Yearn-Curated Term Labs USDS Vault Delivers 6% Average Yield
Yearn-Curated Term Labs USDS Vault Delivers 6% Average Yield
💰 USDS Vault Secrets
Yearn's new USDS vault through Term Labs is gaining traction, offering depositors an average 6% yield through a dual-strategy approach.
The vault operates by:
- Earning 7.5% APY on ~69% of deposits through fixed-rate lending
- Generating 4.8% APY on remaining funds via Yearn's USDS vault
- Providing additional Cap Money points on collateral
Term Labs uses sealed-bid auctions every ~4 days to match lenders with borrowers seeking loans against blue-chip collateral.
Currently serving a $445K USDS loan for 45 days at 7.5% annualized rate, backed by fixed-duration cUSD collateral.
Idle funds aren't wasted - they're automatically allocated to Yearn's USDS vault until the next auction, maximizing yield efficiency.
Yearn's DAI-2 vault also participates by converting DAI to USDS at 1:1 ratio before depositing into the Term strategy.
The new, Yearn-curated @term_labs USDS vault is ramping up! The vault now earns a fixed 7.5% APY on ~69% of USDS deposits and ~4.8% APY on the remaining deposits through Yearn USDS Vault. It's also earning @capmoney_ points. Let's walk through how the depositors are earning
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