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What are Vaults?

Vaults are Safe-based smart contract wallets that hold funds for each Money Account. They provide programmable, non-custodial storage with multi-chain support. Key principle: Stableyard never has custody of user funds. Vaults are owned by the user.

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Vault Architecture

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Vault Features

FeatureDescription
Non-CustodialUser owns the vault; Stableyard cannot access funds
Safe-BasedBuilt on battle-tested Safe (Gnosis Safe) infrastructure
Multi-ChainSame vault address across EVM chains
ProgrammablePolicy engine controls spending rules
Role ModuleGranular permissions for automated actions

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Creating a Vault

Vaults are created via the API after Money Account registration: 
POST /sdk/v1/create-vault
{
  "userId": "user_abc123"
}
Response: 
{
  "success": true,
  "data": {
    "vaultAddress": "0x...",
    "proxyModuleAddress": "0x...",
    "status": "deployed"
  }
}

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Role Module

The role module enables programmable permissions:
PermissionDescription
Spend LimitsMaximum per-transaction or daily limits
Token WhitelistOnly approved tokens can be spent
Recipient WhitelistOnly approved addresses can receive
Time LocksDelayed execution for large transfers
AutomationPre-approved recurring payments

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Deploy Role Module

POST /sdk/v1/deploy-role-module
{
  "userId": "user_abc123",
  "txData": { ... },
  "signature": "0x..."
}

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Multi-Chain Support

Vaults support deposits from any chain:
ChainSupported
EthereumYes
BaseYes
ArbitrumYes
PolygonYes
OptimismYes
MovementComing Soon
SolanaComing Soon

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Balance Queries

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Single Chain Balance

POST /sdk/v1/get-balance
{
  "userId": "user_abc123"
}

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All Chain Balances

GET /sdk/v1/get-balances?userAddress=0x...
Response: 
{
  "success": true,
  "data": {
    "address": "0x...",
    "balances": [
      {
        "chainId": 8453,
        "chainName": "Base",
        "token": "USDC",
        "balance": "1000.00",
        "usdValue": 1000.00
      }
    ],
    "totalUsdValue": 1000.00
  }
}

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Security Model

LayerProtection
OwnershipUser controls private keys
Smart ContractSafe’s audited, battle-tested contracts
ModuleGranular permission controls
PolicyOn-chain rule enforcement
Non-Custodial DesignStableyard operates the infrastructure but never holds user keys. If Stableyard were to disappear, users retain full control of their vaults through the underlying Safe contracts.

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Use Cases

User Wallets

Personal vaults for everyday spending

Merchant Treasury

Business vaults with multi-sig controls

Escrow

Programmable release conditions

Payroll

Automated batch disbursements
Next: Learn about Routing — cross-chain deposit detection and execution.