> For the complete documentation index, see [llms.txt](https://docs.dittonetwork.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.dittonetwork.io/ditto-earn/yield-split-vault.md).

# 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](https://earn.dittonetwork.io/vaults/yield-split). 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.

{% hint style="info" %}
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`.
{% endhint %}

| 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.