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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 vault catalog
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.

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What you get

For liquidity providers

A reviewed catalog instead of a search problem. Filter by chain, token, APY, 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 Campaigns emissions, Streams rewards, and leaderboard points from the same deposit, with no extra steps.

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How a vault works

1

Opportunities are onboarded

Turtle partners with vault protocols (Morpho, Euler, Yearn, Mellow, and others) to list their opportunities. Each vault goes through a diligence review before appearing in the catalog.
2

A vault is reviewed and listed

Turtle works with vault protocols (Morpho, Euler, Yearn, Mellow, and others) to list their opportunities. Each one passes a Turtle Due Diligence Council review before it appears in the catalog.
3

Members browse and deposit

Members explore opportunities in the Turtle app, filtered by chain, deposit token, APY, and TVL. Deposits are executed on-chain with full self-custody.
4

You browse and deposit

You explore the catalog in the Turtle app, filter to what fits, and deposit. 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.
5

Yield accrues automatically

Vault strategies manage the underlying positions. Members earn base yield from the protocol plus any active Turtle Deals or Streams incentives.
6

Yield accrues

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.
7

Withdraw anytime

Members withdraw directly from the vault. Some vaults process instantly; others use an async model where withdrawals are queued (see deposit types below).
8

You withdraw

You withdraw back to your wallet. Some vaults settle in one transaction; others queue the request and finalize a little later.
To build deposit and withdraw flows into your own app, see the developer quickstart.

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Vault types

Vaults differ in how a deposit settles. This matters because it changes what you do after you submit.
TypeWhat happensExample protocols
InstantYour deposit settles in a single transaction.Morpho, Yearn
AsyncThe vault queues your deposit and settles it a little later.Mellow, Lagoon
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 an async deposit is still pending. If you are integrating against the API, check depositStepsType on any opportunity object to tell the two apart: instant or complex.

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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
Opportunities span Ethereum, Base, Arbitrum, Avalanche, BSC, Optimism, Polygon, Linea, Scroll, Katana, and more, with chains added over time.

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Is it safe to deposit?

Every listed vault 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.

Trust and Security

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