The Vault Floor: every vault at its own counter

Schedule V-1The Vault Floor

Below the teller windows, the bank keeps its vaults. Each counter on this floor is a different product with the same custody rules: the vault is a contract that only you control, a keeper turns the crank so compounding happens without you, and everything in it can be withdrawn in one transaction at any time.

Schedule V-2TBILL Vault

Auto-compounds the USDG dividends your TBILL earns back into more TBILL. One deposit, then hands-off.

Compounding vault

Open an auto-compounding vault

Deposit TBILL and your vault reinvests the USDG dividends it earns back into TBILL. A keeper does the compounding for you, and you can withdraw anytime.

Schedule V-3COH Vault

Park COH and the vault reinvests the COIN dividends it draws into more COH. The 3% compound fee flows to TBILL holders, so this vault pays the bank's shareholders too.

COH compounding vault

Open a COH compounding vault

Deposit COH and the vault reinvests the COIN dividends it draws back into COH. A keeper does the compounding, and you can withdraw anytime. A 3% fee on each compound is converted and paid to TBILL holders as dividends.

Schedule V-4Staking

Stake or lock TBILL for a boosted share of the fees these vaults pay to holders, on top of your normal dividends.

TBILL staking

Stake TBILL for boosted dividends

Stake TBILL to raise your share of dividends. Holding already earns 1×; a flexible stake counts 2×, and locks earn 3.5×–5× based on how much committed time remains. Staked TBILL keeps earning its regular dividends, and the boost is paid from autocompounder fees. Locked amounts stay put until they mature.

Schedule V-5Token Vaults

Deposit INDEX or Apple Cat. The vault sells what each pays out (tokenized stocks, or AAPL) and buys back more of your token.

Autocompounder

Open an autocompounding vault

Deposit an approved token and your vault sells the reward tokens it receives, buying more of the token you deposited. A fee comes out of that yield only, never your deposit, and 100% of it goes to TBILL holders as dividends, with a boosted share to stakers. A keeper runs the compounding for you, and you can withdraw everything anytime.