DeFi yields are real.
The question is how much reaches you.
Most platforms show gross APY — before fees, slippage, gas, and rebalancing costs. The net result? Often 30-50% less than advertised. Emerald shows you the number that actually hits your wallet, and invests based on it.
Why advertised yields rarely match reality
Most yield platforms show "gross APY" — a number that ignores all the costs that eat into your returns. We show you net APY from day one. No surprises.
Traditional DeFi Platforms
Emerald
Simple for you. Sophisticated underneath.
Emerald is a yield account for your digital dollars: You deposit. We optimize and manage risk. You earn.
You deposit USDC
Connect your wallet on Arbitrum. Minimum $100, one-time 0.5% entry fee. After that, you keep 100% of your yield.
Markets are scored
The optimizer continuously scans Pendle markets. Each market is ranked by net APY after gas, bridge cost, swap slippage, AMM spread, and underlying-asset risk haircut.
Capital deployed to Pendle
An automated keeper buys Principal Tokens (PTs) on the highest-ranked markets. The keeper consolidates positions and respects per-market caps.
Yield accrues until maturity
As PTs approach maturity, their value converges toward the guaranteed payout. When positions mature, the keeper redeems and rolls into the next-best opportunity automatically.
Withdraw anytime
No lockup. 10% kept as idle USDC for instant withdrawals. Larger amounts liquidate PTs on Pendle's AMM in 15-30 seconds. Slippage shown before you confirm.
Optional configurable reports
Stay informed with automated reports sent directly to your inbox or Telegram. Track yield earned, reallocations, and market conditions on your schedule.
Built for different needs,
same principle
Whether you're just starting or managing significant capital, clarity on returns matters.
Retail Investor
"I just want to know what I'll earn."
You don't need to understand every DeFi protocol. Deposit your stablecoins, see your fixed rate upfront, and watch your balance grow. No jumping between protocols every week chasing better rates. No surprises.
Treasury Manager
"I need numbers I can report."
Idle capital should work for you, but you need clarity on actual returns — what landed in the treasury, not what was advertised. Emerald gives you a transparent yield profile you can forecast, track, and explain to stakeholders.
Crypto-Native User
"I know DeFi. I'm tired of the overhead."
You've chased APYs across protocols. You've paid the gas. You've done the math — or thought you did. A missed fee here, a slippage cost there, a rebalance that wasn't factored in. Let us handle the allocation. You keep the net result.
DAO / Protocol Treasury
"Our community's funds. Full accountability."
When you manage shared capital, transparency isn't optional. Emerald's clear cost structure and predictable returns make treasury decisions easier to defend — and easier to audit.
Common questions
How is the yield fixed?
We buy Principal Tokens (PTs) on Pendle at a discount. These tokens mature at a known date for a known value. The difference between purchase price and maturity value is your guaranteed yield — it's math, not a promise.
Can I withdraw anytime?
Yes. 10% of vault funds are kept as idle USDC for instant withdrawals. Larger amounts are liquidated via Pendle's AMM in 15-30 seconds. Slippage is shown before you confirm.
What are the risks?
Smart contract risk (mitigated by audits and open-source code), underlying asset risk (we apply haircuts to riskier assets), and early withdrawal slippage. Learn more about risks in our documentation.
What's the minimum deposit?
$100 USDC. No maximum. The 0.5% entry fee applies regardless of size.
What's on the roadmap?
Features we're building to make Emerald even more powerful:
- Public API for programmatic access — Integrate Emerald directly into your applications and workflows.
- On- and off-ramp between fiat and USDC — Convert directly from fiat to USDC and back, integrated into deposit and withdrawal flows.