Yield Strategies: Automated Treasury Allocation on Synclear

Yield Strategies are Synclear’s always-on, automated allocation product for business treasury. Capital deposited into a yield strategy vault is allocated by the protocol across a curated set of lending pools and liquidity positions. Allocations are rebalanced continuously based on risk-adjusted yield targets defined for each tier. Businesses retain ownership of their position at all times and can withdraw on short notice — making yield strategies the right choice for operating reserves, cash management buffers, and any treasury capital that needs to remain accessible.

Risk Tiers

Synclear yield strategy vaults are organized into three risk tiers. Each tier has a defined set of eligible underlying positions, a target yield range, and a corresponding risk profile. All tiers operate on the same vault architecture; the difference is in which underlying protocols and asset types the allocator is permitted to use.

Conservative
Balanced
Aggressive

Target APY range: 4–7% (variable)Conservative vaults allocate exclusively to senior lending tranches on blue-chip lending protocols (Aave, Compound, and Synclear’s own native lending pools) and to stablecoin liquidity positions on established DEXs with concentrated range management. No exposure to subordinated credit tranches, newer protocols, or high-volatility asset pairs.

Eligible assets: USDC, USDT, DAI
Underlying positions: senior lending only, stablecoin LP only
Withdrawal: instant (no lock-up)
Suitable for: operating reserves, payroll buffer, near-term obligations

When selecting a risk tier, match it to the time horizon and operational criticality of the capital — not just the yield target. Capital needed within 30 days for payroll, payments, or debt service should stay in Conservative. Reserve capital with no near-term deployment obligation is the right candidate for Balanced or Aggressive. Mixing tiers within a single treasury allocation is common practice.

How Allocations Are Managed

Each vault uses an on-chain allocator contract that executes rebalancing within permissioned strategy parameters. The allocator does not have discretion outside the defined eligible positions for its tier — all permitted strategy types, protocol integrations, and position limits are encoded in the vault’s strategy module and are publicly verifiable. Rebalancing occurs when:

Yield differential between eligible positions exceeds a defined threshold
A position approaches its concentration limit
An underlying protocol triggers a risk flag (oracle deviation, utilization spike, governance action)

You do not need to manage rebalancing manually. APY displayed in the Earn dashboard is calculated from the current weighted average of all active positions in the vault, updated in real time.

Depositing Into a Yield Strategy

Select a Vault

Navigate to Earn → Yield Strategies. Review the three risk tier vaults, their current APY, total value locked (TVL), and withdrawal terms. Select the vault that matches your capital’s risk profile and liquidity requirements.

Enter Deposit Amount

Specify the amount and asset to deposit. The interface will display the estimated APY based on the current vault composition and the projected annual yield on your deposit. All figures are estimates — actual yield will vary.

Approve Token Spend

Approve the vault contract to transfer the deposit amount from your wallet. This is a standard ERC-20 approval transaction. You can set an exact approval matching the deposit amount for tighter security.

Confirm Deposit

Submit the deposit transaction. The vault contract mints vault shares (ERC-4626 compliant) representing your proportional claim on vault assets. These share tokens can be held in any wallet and are transferable.

Monitor Your Position

Your position, current value (shares × share price), and realized APY are displayed in the Earn dashboard. Yield accrues to the share price — you do not receive yield as separate token distributions. Your position grows in value over time as the vault earns.

Withdrawing From a Yield Strategy

Tier	Withdrawal Process
Conservative	Instant withdrawal — call `vault.redeem(shares, receiver, owner)` at any time
Balanced	24-hour withdrawal queue — submit a withdrawal request; funds are available after the next daily settlement
Aggressive	24-hour withdrawal queue (standard); up to 72 hours under stressed market conditions if underlying positions require unwinding

To initiate a withdrawal via the dashboard: navigate to Earn → Your Positions, select the vault, and click Withdraw. Enter the amount or select Withdraw All to redeem all shares.

Vault shares are ERC-4626 compliant, meaning withdrawal amounts are calculated based on the current share price at the time of redemption — not the price at deposit. If the vault has incurred losses (e.g., from a credit default in an Aggressive vault), the redemption value may be less than the original deposit.

Real-Time APY Tracking

All vault APYs are calculated on-chain and surfaced through the Synclear API. You can query current and historical APY programmatically:

// Query current APY for a vault using the Synclear SDK
// Install: npm install @synclear/sdk
// SYNCLEAR_API_KEY and vaultAddress must be set from your environment.
// Vault addresses are published at: https://docs.synclear.fi/get-started/contract-addresses
const { SynclearClient } = require("@synclear/sdk");

const synclearClient = new SynclearClient({ apiKey: SYNCLEAR_API_KEY });

const vaultStats = await synclearClient.earn.getVaultStats(vaultAddress);
console.log("Current APY:", vaultStats.currentApy);       // e.g. "8.42%"
console.log("7-day average APY:", vaultStats.sevenDayApy);
console.log("30-day average APY:", vaultStats.thirtyDayApy);

Overview

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Yield Strategies: Automated Treasury Allocation on Synclear

Risk Tiers

How Allocations Are Managed

Depositing Into a Yield Strategy

Withdrawing From a Yield Strategy

Real-Time APY Tracking

​Risk Tiers

​How Allocations Are Managed

​Depositing Into a Yield Strategy

​Withdrawing From a Yield Strategy

​Real-Time APY Tracking

Risk Tiers

How Allocations Are Managed

Depositing Into a Yield Strategy

Withdrawing From a Yield Strategy

Real-Time APY Tracking