> ## Documentation Index
> Fetch the complete documentation index at: https://docs.turtle.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Turtle Vaults

> Passively earn yield across DeFi protocols through curated, risk-assessed vault opportunities.

Turtle Vaults give LPs access to curated DeFi vault opportunities across 20+ chains. Instead of researching protocols and rotating between positions manually, members browse a unified catalog of vaults — each reviewed by the Turtle Diligence Council — and deposit in a few clicks.

<img src="https://mintcdn.com/turtle-26472809/bMpimTLGyxh-lYR-/images/vaultsoverview.png?fit=max&auto=format&n=bMpimTLGyxh-lYR-&q=85&s=8f2083905e2aa66e89a32bbc5989c742" alt="Vaults overview" width="1946" height="864" data-path="images/vaultsoverview.png" />

## How vaults work

<Steps>
  <Step title="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.
  </Step>

  <Step title="Members browse and deposit">
    Members explore opportunities in the [Turtle app](https://app.turtle.xyz) — filtered by chain, deposit token, APY, and TVL. Deposits are executed on-chain with full self-custody.
  </Step>

  <Step title="Yield accrues automatically">
    Vault strategies manage the underlying positions. Members earn base yield from the protocol plus any active [Boosted Deals](/liquidity-products/turtle-deals) or [Streams](/partner-products/streams) incentives.
  </Step>

  <Step title="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).
  </Step>
</Steps>

<img src="https://mintcdn.com/turtle-26472809/bMpimTLGyxh-lYR-/images/TurtleVaults.png?fit=max&auto=format&n=bMpimTLGyxh-lYR-&q=85&s=fde2bfc77eafd9e1743d47e274aa1df0" alt="Turtle Vaults" width="797" height="548" data-path="images/TurtleVaults.png" />

## Vault types

| Type                | Description                                                                  | Example protocols |
| ------------------- | ---------------------------------------------------------------------------- | ----------------- |
| **Instant**         | Deposits and withdrawals settle in a single transaction                      | Morpho, Yearn     |
| **Async (complex)** | Deposits require a separate claim step after the vault processes the request | Mellow, Lagoon    |

Check `depositStepsType` on any opportunity object to determine the vault type — `instant` or `complex`.

## What's in the catalog

Turtle lists **1,600+ active opportunities** across multiple vault types:

* **Lending vaults** — supply assets to lending protocols for interest
* **Stablecoin vaults** — yield on USDT, USDC, DAI, and other stablecoins
* **Staking vaults** — liquid staking and restaking positions
* **Strategy vaults** — multi-step DeFi strategies managed by curators

## Supported chains

Opportunities span Ethereum, Base, Arbitrum, Avalanche, BSC, Optimism, Polygon, Linea, Scroll, Katana, and more — with new chains added regularly.

## For developers

Use the Earn API to fetch opportunities, generate deposit transactions, and track positions programmatically.

<CardGroup cols={2}>
  <Card title="Opportunities API" icon="magnifying-glass" href="/sdk/opportunities/overview">
    Browse and filter the full opportunity catalog.
  </Card>

  <Card title="Earn API" icon="code" href="/sdk/earn-api/overview">
    Generate deposit and withdrawal transactions.
  </Card>
</CardGroup>