Upshift
Upshift provides plug-and-play, non-custodial yield infrastructure that lets fintechs, exchanges, and asset managers offer branded stablecoin vaults—from tokenized T-bills to market-neutral strategies—inside their own products. The platform pairs each vault with a professional curator, enforces onchain risk limits, and independently prices positions via a multi-oracle engine. It supports 900+ assets across 30+ chains, with 35+ live vaults and $500M+ in deposits as of October 2026.
- Blockchain & Cryptocurrency
- Financial Technology
- Web3 & NFTs
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
Crypto platforms and fintechs lack a safe, compliant way to offer their users yield on idle stablecoin balances. Building in-house yield infrastructure requires navigating tokenized Treasury funds, DeFi lending protocols, risk management, custody, and regulatory compliance, which is costly and slow. Platforms that do not offer yield risk losing deposits to competitors that do.
Solution
Upshift provides a plug-and-play yield infrastructure platform that lets companies launch branded, non-custodial stablecoin yield vaults across three risk bands: conservative tokenized T-bill vaults (3-4% indicative APY), core lending and credit strategies (5-7%), and enhanced market-neutral strategies (8%+). Each vault is paired with a professional curator from Upshift's network and runs inside a policy engine that restricts deployment by chain, protocol, token, and contract function. Upshift independently prices every vault position through a multi-oracle engine, giving the curator no say in its own mark. Clients can launch with one band and add more later, and can operate vaults as open or permissioned (with configurable KYC/AML and deposit caps). Deposits remain in USDC or USDT throughout, with no off-ramp to fiat and back.
Target Audience
Primary customers are crypto exchanges, fintech platforms, wallets, and institutional allocators that want to offer stablecoin yield to their users without building the underlying yield infrastructure themselves. This includes platforms like Jumper, Monad app, Fordefi, and Kraken Institutional.
Features
- Three yield bands—Conservative (T-bill/MMF, 3-4%), Core (lending/credit, 5-7%), Enhanced (market-neutral, 8%+)—each supporting both crypto-native and real-world-asset tracks
- Non-custodial vault architecture where depositors hold receipt tokens redeemable at NAV under published withdrawal terms
- Policy engine that enforces onchain limits by chain, protocol, token, and contract function, reverting any out-of-mandate transaction
- Independent NAV pricing via a multi-oracle engine, with real-time visible prices and no curator influence over marks
- Support for 900+ assets including stablecoins, BTC, ETH, SOL, XRP, and tokenized funds across 30+ chains, with live vaults on Solana, Stellar, Ethereum, and Monad
- Permissioned vaults with whitelisted depositors, deposit caps, and configurable KYC/AML checks per vault; qualified custody via Kraken, Fireblocks, and Fordefi
- SDK for clients to accept deposits through their own front end or a branded page hosted by Upshift
- Independent NAV and audits: contracts have passed 11 audits by 6 firms, with Securitize Fund Services providing independent NAV