Skip to main content
A Turtle vault is a DeFi yield opportunity that Turtle has reviewed and listed in one place so you do not have to hunt for it. You browse a catalog of vaults across many chains, deposit into the ones you want, and earn the underlying protocol’s yield plus any rewards Turtle has layered on top. Your funds stay in your own wallet’s control throughout: Turtle builds the transactions, you sign them.
Turtle opportunity catalog with filters

The Discover catalog in the Turtle app, with the filter panel open.

If you are a liquidity provider who wants vetted places to put capital without researching every protocol yourself, the vault catalog gives you a reviewed shortlist and a single deposit flow.
A vault here is any listed yield opportunity (a lending market, a stablecoin strategy, a staking position). The Turtle Due Diligence Council (TDC) is the team that reviews each one before it appears in the catalog. See the glossary.

​
Where opportunities live in the app

The Turtle app shows opportunities on two pages. The difference is diligence. Both pages open the same opportunity page when you click a row.

​
What you get

For liquidity providers

A reviewed catalog instead of a search problem. Filter by chain, token, APR, and TVL, deposit with the token you already hold, and earn base yield plus any active rewards. You keep custody the whole time.

For yield seekers

Rewards stack. On top of a vault’s native yield you can earn Liquidity Campaign emissions, Streams rewards, and leaderboard Shells from the same deposit, with no extra steps.

​
How a vault works

1

A vault is reviewed and listed

Turtle works with vault protocols (Morpho, Euler, Yearn, Mellow, and others) to list their opportunities. Each Turtle Deal passes a Turtle Due Diligence Council review before it appears on the Earn page.
2

You browse and deposit

You explore the catalog in the Turtle app, filter to what fits, and deposit from the opportunity page. You can deposit with a token you already hold even when it is not the vault’s native token, and the app handles the conversion.
3

Yield accrues automatically

The vault strategy manages the underlying position. You earn the protocol’s base yield, plus any active Liquidity Campaigns or Streams rewards tied to that vault. The opportunity page lists each source under Source / Est. APR in the deposit panel.
4

Withdraw anytime

You withdraw back to your wallet from the Your Position tab of the opportunity page. Some vaults settle in one transaction; others queue the request and finalize a little later (see vault types below).
To build deposit and withdraw flows into your own app, see the developer quickstart.

​
Reading the catalog

Each row in the Discover table shows the same columns. Above the table, the All / USD / ETH / BTC toggle narrows the list by asset family. The Filter button opens a panel with these controls: TVL range, APR range, Deposit Tokens, Chains, Partners, Protocols, and Category. The search box finds an opportunity by name. The Earn page uses a shorter table (Deal, Partner, Deposit Token, Chain, Your TVL, Total TVL, 30d Est. Total APR) with the same asset and window toggles.

​
The opportunity page

Every opportunity has its own page at app.turtle.xyz/discover/<opportunity>. This is where you deposit, withdraw, and track the position.
Opportunity page overview

An opportunity page. The deposit panel on the right breaks the APR into its sources.

The header shows the chain, the curator, the protocol that powers the vault, the category, and a badge for each active stream. Net APR in the top right is the total estimated rate. It shows as a range when a stream pays a variable rate. The page has three tabs. The Share button copies a link to the page. Some Turtle Deals also show a Chat with [partner] button.
Incentive Streams on an opportunity page

The Incentive Streams table on an opportunity page lists every stream that pays on this vault.

​
Vault types

Vaults differ in how a deposit and a withdrawal settle. This matters because it changes what you do after you submit. With an async deposit you come back and finish it from the app once it is ready. The deposit guide walks through both, including what to do when a request is still pending. If you are integrating against the API, check depositStepsType on any opportunity object to tell the two apart: instant or complex.

​
What is in the catalog

Turtle lists a large catalog of opportunities across several kinds of yield:
  • Lending vaults that supply assets to lending markets for interest
  • Stablecoin vaults that earn on USDC, USDT, DAI, and others
  • Staking vaults for liquid staking and restaking positions
  • Strategy vaults that run multi-step strategies managed by curators
The Discover catalog lists more than 2,700 opportunities at the time of writing, and the list grows over time. Opportunities span Ethereum, Base, Arbitrum, Avalanche, BSC, Optimism, Polygon, Linea, Scroll, Katana, Monad, HyperEVM, Sonic, and more, with chains added over time.

​
Is it safe to deposit?

Every Turtle Deal passes a Turtle Due Diligence Council review, and you keep custody of your funds the entire time. Turtle never holds your assets; it builds the transactions and your wallet signs them.
Opportunities on the Discover page that are not Turtle Deals are indexed, not reviewed. Read the vault’s own Docs and Audits links on the opportunity page before you deposit.

Trust and Security

Audits, proof of solvency, the diligence process, and the self-custody model.