Park stablecoins. Beat inflation. Withdraw anytime.
Deposit idle USDT or USDC into a diversified on-chain portfolio that outpaces inflation. No locks, no holds — withdraw whenever you need. An evergreen vault for free capital, secured by code.
Target annual yield
7–8%
Max drawdown in worst year
−3%
Management fee per year
1%
Annual Returns
Year-over-year portfolio performance, %
Growth of $100
$100 invested at inception grew to $263 over 7 years
Stone VaultOne transaction. One smart contract. Full control.
Send stablecoins to an immutable smart contract that automatically allocates across dollar deposits, bitcoin, and gold. Withdraw anytime — no approvals, no waiting, no permissions.
Your Vault Awaits
Connect your wallet to start building a balanced portfolio of dollar deposits, bitcoin, and gold — all managed by smart contracts, not intermediaries.
Where Your Dollars Go
You deposit stablecoins — we spread them across three asset classes, each chosen for a specific role in protecting and growing your capital.
Dollar Deposits
Stable yieldCensorship-free stablecoins earning ~5% APY via Stone Vault. The backbone of the portfolio — preserves capital and generates consistent returns.
Bitcoin
GrowthTBTC — uncensorable, hard-capped digital asset. Captures upside during bull markets and adds long-term growth potential.
Gold
ProtectionXAUT — tokenized Tether gold. Hedges against inflation, currency crises, and geopolitical risk.
Actively rebalanced
Allocations aren't fixed. The portfolio manager adjusts the weights based on market conditions — shifting more into deposits during downturns and increasing BTC/gold exposure when growth opportunities arise. Your portfolio adapts, you don't have to.
These are default target allocations. The manager can adjust within hard-coded smart-contract limits (e.g. bitcoin 0–50%) to adapt to market conditions. Tokenized S&P 500 (up to 20%) will be added as liquid on-chain instruments become available.
Why Balanced Vault
Four reasons idle stablecoins belong here instead of sitting unused in a wallet.
Set & forget
Autopilot portfolio
- A professional manager rebalances the portfolio as market conditions change
- No watching charts, timing entries, or reacting to every headline
Instant access
No locks, no delays
- Withdraw whenever you want — no lock-ups, waiting periods, or freezes
- One transaction and stablecoins are back in your wallet
Target yield
Beat inflation
7–8% APY
- vs roughly 3–4% yearly dollar inflation
- Idle USDT or USDC loses purchasing power — here it grows
Trustless
Full control, your keys
- Immutable smart contract — can't be altered or shut down by anyone
- The manager rebalances allocations but cannot withdraw your funds
Why this if you already hold USDT
“USDT and USDC in your wallet earn zero yield. Dollar inflation runs 3–4% a year — your money is losing purchasing power. Balanced Vault delivers 7–8% annually — you don't just preserve, you outpace inflation.”
80% of the portfolio stays in dollars. You don't become a crypto trader. You simply let your money work while keeping full control and liquidity.
Transparency
Who's behind the vault
Full transparency about who we are, how we manage your money, and why the system works.
Our Mission
DeFi is powerful but overwhelming. Most people either hold stablecoins earning nothing or chase high-risk farms. We built BalancedVault to bridge the gap — a simple, balanced portfolio that generates real yield while preserving your capital. One transaction in, one transaction out.
The Manager
The portfolio manager adjusts allocations within hard-coded on-chain limits: 60–90 % in dollar deposits, 5–20 % in bitcoin, 5–20 % in gold. They cannot withdraw your funds — the smart contract enforces this. Their only power is tactical rebalancing within safe boundaries.
Why 7–8 % Returns
The yield comes from three transparent sources: dollar deposits earn 4–6 % APY through battle-tested DeFi lending protocols, bitcoin adds long-term growth, and gold hedges against inflation. No leverage, no complex derivatives, no hidden fees — just disciplined allocation.
Why Trust the Code
The smart contract is immutable — once deployed, nobody can change the rules. Every transaction is visible on-chain. Your funds stay in your control: withdraw anytime, no approvals, no waiting periods. Trust is enforced by code, not by promises or legal agreements.
Real Risks
We believe in full transparency. Here are the actual risks you should understand before investing.
Default vs. limits: The portfolio starts at 80% deposits / 10% bitcoin / 10% gold. The manager can adjust within hard-coded smart-contract limits (e.g. bitcoin 0–50%) to adapt to market conditions. These limits are enforced by immutable code and cannot be changed by anyone.
Stone Vault protocol risk
80% of the portfolio is held through Stone Vault — an immutable, admin-keyless protocol audited by PeckShield. It uses only decentralized stablecoins (DAI, LUSD, crvUSD) that cannot be frozen. In an extreme scenario, stablecoins may temporarily lose their dollar peg. Stone Vault includes an emergency collateral withdrawal function. The audit reduces risk but does not eliminate it entirely.
Smart contract vulnerability
Any code can contain bugs. The contract is immutable — if a bug is found, it cannot be patched. However, the contract is built on proven LPGP architecture, and its simplicity (four assets, basic operations) reduces the attack surface.
Bitcoin volatility
Bitcoin can drop 50–70% in a year. At the default 10% allocation, that means a 5–7% portfolio drawdown. However, the manager can increase bitcoin up to the hard-coded limit of 50% — in that worst case, a crash could mean a 25–35% drawdown on the whole portfolio. Historically bitcoin has recovered after every crash, but past results don't guarantee future ones.
Manager allocation limits
The default portfolio is 80/10/10 (deposits / bitcoin / gold), but the manager can adjust within hard-coded smart-contract limits — for example, bitcoin can range from 0% to 50%. This flexibility allows tactical moves like increasing bitcoin in a bull market, but it also means the portfolio can temporarily deviate from the default. The manager cannot withdraw your funds or exceed the coded limits, but can misjudge timing or market direction.
Gold counterparty risk
XAUT is issued by Tether, backed by physical gold in Switzerland. If Tether faces legal issues, the token may temporarily lose liquidity. Gold's portfolio share is capped by the smart contract, which limits potential damage.
Regulatory uncertainty
Even if a country bans DeFi, the smart contract is immutable and cannot be stopped or censored by anyone. You can always interact with it from another jurisdiction. Your funds are never blocked — withdrawal is available at any time, unconditionally.
Frequently Asked Questions
If you've only used crypto for stablecoin transfers — that's perfectly fine. Here's what you need to know.
Ready to start?
Connect your wallet and start earning on your dollars.