Yield Split Vault

Automated USDC yield across Aave, Spark, Fluid and Morpho, on Ethereum.

The Yield Split Vault (share token ysUSDC) is a white-label, automated yield aggregator for lending protocols, built on the ERC-4626 standard. It maximizes capital efficiency by rebalancing USDC across blue-chip DeFi strategies (Aave, Spark, Fluid and Morpho) based on realized historical performance.

Depositors can use it directly on the Earn dashboard. Developers and fintechs can offer it inside their own apps through a widget or the Data API, without managing contract interactions or rebalancing themselves — see Integration.

This vault was previously documented as Ditto USD Meta Lending, and is also referred to as Ditto Yield. On chain, the vault is named Yield Split USDC with the symbol ysUSDC.

Parameter	Details
Deposit asset	USDC
Share token	ysUSDC
Network	Ethereum Mainnet (Chain ID: 1)
Standard	ERC-4626
Strategies	Aave V3, Spark, Fluid, Morpho (Gauntlet and Steakhouse)
Withdrawals	Instant, 5 minutes after your last deposit
Performance fee	3.75% of yield above the high-water mark

See Architecture for how allocation decisions are made, Deployments for contract addresses, and Integration for the widget and API.