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The Prime+ Vault is a new Curation+ product delivering a fixed monthly APR targeted at approximately 2% above prevailing money market fund vault yield
In partnership with
Predictable, passable rates for end users
The Prime+ Vault is a yield product designed to deliver predictability, high liquidity, and simplicity. Each month, the vault’s interest rate is fixed at approximately 2% above the USD risk-free rate. Clients earn that interest rate on all vault balances for the entire month.
Clients retain liquidity throughout. There is no lock-in period. Investments can be made at any time during business hours, with interest accruing from the moment of investment. Withdrawal requests are processed within two business days, on a T+0 or T+1 basis where possible.
The underlying portfolio of collateral is fully transparent at all times and consists of liquid fixed-income instruments, including money market funds, short-duration Treasury and investment-grade corporate bond ETFs, commercial paper and private credit.
The portfolio operates within defined risk parameters covering duration, credit quality, liquidity, and counterparty exposure, overseen through formal investment committee processes in partnership with Five Sigma Finance.
Fixed monthly interest rate targeted at ~2% above prevailing money market fund yields
No lock-in period. Move funds in and out of the vault at any time during business days
Withdrawals are processed on a best-efforts T+0 / T+1 basis, with a maximum settlement period of two business days.
Interest accrues from the moment of investment
OpenTrade manages the underlying portfolio. No internal investment management required
All collateral held by bankruptcy remote SPV in segregated accounts with regulated, Tier 1 custodians
Weekly collateral verification by Five Sigma Finance, published on the OpenTrade Platform
Fully perfected security interest maintained on every asset at every stage
HOW IT WORKS
When a client invests into the Prime+ Vault, they receive ERC-20 vault tokens (XPPV) representing their investment. The clients' principal accrues interest daily at the fixed rate over the period in which they are invested. The number of vault tokens held by the client remains unchanged; the value of each vault token increases over time according to the vault’s fixed interest rate.
All collateral is held in segregated accounts with regulated custodians. A fully perfected security interest is maintained on every asset at every stage of the transaction lifecycle, held by Vantru as Security Trustee on behalf of lenders. Collateral is verified weekly by Five Sigma Finance and published on the OpenTrade Platform.
Prime+ Vault is suited to fintechs, neobanks, treasury managers, and on-chain platforms seeking highly predictable, risk-adjusted yield on USD-denominated balances. It is particularly relevant for platforms in Latin America, Europe, and other markets where access to USD yield infrastructure is operationally complex.
Enables predictable margins on earn products
Removes earnings volatility from P&L
Eliminates the need for internal investment teams
Accelerates product launch timelines
Fully embeddable with the option to integrate for workflow automation and real-time reconciliation
Prime+ Vault is suited to fintechs, neobanks, treasury managers, and on-chain platforms seeking highly predictable, risk-adjusted yield on USD-denominated balances. It is particularly relevant for platforms in Latin America, Europe, and other markets where access to USD yield infrastructure is operationally complex.
Disclaimer
The information provided in this document is for informational purposes only. This document does not constitute, and should not be construed as, an offer, solicitation, recommendation, or advice to invest, buy, or sell any securities or financial products. We make no representation or warranty, express or implied, as to the accuracy, completeness, or reliability of the information provided. This document reflects only the information available to us at the time of publication and does not necessarily represent our views, opinions, or assessments of the investments discussed.
Potential lenders are advised to conduct their own due diligence, seek independent financial advice, and consider their individual investment objectives, financial situation, and risk tolerance before making any lending decisions. Past performance is not indicative of future results. Any investment in financial products carries inherent risks, and lenders should be aware that they may lose part or all of their invested capital.
We disclaim any liability for decisions made based on the information contained in this document and assume no responsibility for updating this information in the event of changes. By reviewing this document, you acknowledge and accept these limitations.
Information up-to-date as of 23 April 2026 and subject to change.
This site is authored and maintained by OpenTrade.
