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Yield sources are the underlying strategies a portfolio wallet can allocate into. A wallet strategy is a weighted allocation across one or more yield sources. Each source has a stable public id, display metadata, chain support, a depositToken, current rate information, action-specific processing policies, and optional market context such as TVL, protocol addresses, provider links, and underlying allocations. Use each source’s allocationGroup as its strategy key. depositToken identifies the accepted stablecoin; the group also establishes which funds can be allocated together. See Allocation groups for compatible funds and networks. For supported vaults, fee wrappers add management or performance fees to the position held by your portfolio wallet.

How Ground RWA Vaults work

Ground RWA Vault sources use a receipt-vault path rather than a direct protocol position.
  • The Portfolio Wallet routes a compatible stablecoin through the MasterRouter to the applicable Ground vault.
  • The vault creates a wallet-specific request and coordinates any required external provider fulfillment.
  • A vault processor advances fulfilled requests, after which the Portfolio Wallet claims the result.
  • The Portfolio Wallet holds a wallet-specific, non-transferable Ground receipt that tracks the position rather than holding the underlying provider instrument directly.
Some actions settle immediately, while others require a request, external fulfillment, vault processing, and wallet claim before the receipt or stablecoin is available. Catalog processingPolicies and withdrawal previews are operational processing estimates; actual completion depends on provider fulfillment and vault processing. The Terms and Conditions of Lending govern use of Ground RWA Vaults.

Available yield sources

Fetch the live, environment-specific catalog before creating or updating a strategy:
The catalog is returned in the canonical data list envelope. nextCursor is always null because the catalog is unpaginated. The following response is illustrative and shows one source, not the complete catalog. apyBps: null means the historical rate is unavailable; it is not zero yield. JustLend can separately expose a fresh currentApy preview.
The inventory below was checked against production and sandbox on October 1, 2026. Fetch the live endpoint for current membership, organization eligibility, limits, and processing policies. Production and sandbox can support different sources and chains. A catalog entry or timing estimate does not guarantee that a withdrawal can settle immediately.

RWA

DeFi

Use the live catalog for your organization’s current source eligibility. Use id as the yieldSourceId when creating a wallet or updating a strategy. Catalog rows may also include optional market context: Minimum allocation amounts vary by yield source. ground-uscc-vault requires at least 1 USDC. The JAAA and JTRSY yield sources require at least 0.01 units of their configured stablecoin. In sandbox, ground-jaaa-usdt-vault has a per-wallet allocation cap of USD 1,000. The production source has no configured cap. Check the live catalog and validate allocation amounts for your organization.

Yield source details

RWA

Invesco Short Duration US Government Securities Fund tokenized by Superstate

Ground vaults

The Ground USTB vault issues a non-transferable Ground receipt to the Portfolio Wallet rather than transferring USTB to the wallet directly.

Superstate redemption facility

Superstate’s onchain USDC redemption facility (RedemptionIdle) exchanges USTB for USDC at the provider’s redemption price, subject to the USDC available in the facility. This is a liquidity pool for redeeming fund shares, not a market sale of the wallet’s Ground receipt. Superstate describes onchain liquidity as available for instant redemption where available. The Ground vault checks the facility’s redeemable amount before exchanging USTB. Its contract supports synchronous redemption when sufficient facility liquidity is available. Portfolio Wallet withdrawals use an asynchronous request, process, and claim workflow: the requested position is reserved, processing redeems the underlying USTB, and the wallet claims USDC. Facility liquidity enables the underlying exchange; it does not make every API withdrawal complete instantly. The catalog’s typical two-hour estimate is an operational estimate, not a completion deadline. If liquidity is insufficient, settlement must wait for available liquidity and processing. Use withdrawal previews and poll the withdrawal or consume status-change webhooks until it completes.

Bitwise Crypto Carry Fund tokenized by Superstate

The Ground gUSCC vault provides exposure to crypto cash-and-carry, staking, and U.S. Treasury strategies. The Portfolio Wallet holds a non-transferable Ground receipt. Deposits and redemptions use an asynchronous request, process, and claim workflow; submitted requests remain pending until provider fulfillment and wallet settlement complete. Fund value can increase or decrease. Put this source under strategy.allocations.usdc. The effective minimum deposit is 1 USDC. There is currently no configured catalog allocation cap in either environment. Check maxAllocationUsd before allocating.

Superstate USTB on Solana

This sandbox source uses an asynchronous Ground vault on Solana devnet. Select ground-solana-ustb-vault under strategy.allocations.usdc; the Ethereum source ground-ustb-vault is a separate catalog entry. The Solana yield source follows provider-operated settlement and does not use Ethereum’s onchain redemption facility. Wait for the deposit or withdrawal workflow to complete before using the settled position or USDC.

Janus Henderson JAAA tokenized by Centrifuge

Ground vaults

The Ground gJAAA vault issues a non-transferable Ground receipt to the Portfolio Wallet rather than transferring JAAA to the wallet directly. Deposits and redemptions use an asynchronous request, process, and claim workflow, and NAV updates discretely when the fund publishes a new value. Put ground-jaaa-usdc-vault under strategy.allocations.usdc and ground-jaaa-usdt-vault under strategy.allocations.usdt. Both yield sources are available in production and sandbox. Fetch the live environment catalog before constructing a strategy.

Janus Henderson JTRSY tokenized by Centrifuge

Ground vaults

The Ground gJTRSY vaults issue non-transferable Ground receipts to the Portfolio Wallet rather than transferring JTRSY to the wallet directly. JTRSY provides separate USDC and USDT yield sources. USDC redemptions use Basin liquidity when available; otherwise both sources use asynchronous Centrifuge processing. Neither yield source currently has a configured catalog cap in production or sandbox. Check maxAllocationUsd before constructing a strategy. Fetch the live catalog before constructing a strategy.

Figure PRIME and Figure AUTO

PRIME provides exposure to a pool of home-equity lines of credit; AUTO provides exposure to a pool of auto loans. Both can also hold cash equivalents. The Portfolio Wallet holds the selected product’s SPL shares directly. These are credit exposures: share value and returns depend on the underlying pool, and NAV can increase or decrease.

Allocation and settlement

Put either source under strategy.allocations.usdc. Entry atomically converts USDC through wYLDS into PRIME or AUTO shares. Share redemption converts the selected shares into wYLDS, followed by a separate provider-managed redemption from wYLDS to USDC. See Hastra’s Solana integration guide for the provider redemption lifecycle. Pending redemption value remains in the wallet total and the originating product’s performance, but is unavailable for another withdrawal or allocation. Receiving wYLDS does not mean the USDC withdrawal is complete. Poll the withdrawal or consume status-change webhooks until it completes. For USDC settlement, processingPolicies.redeem.processingTimeBasis is "provider_managed". The API returns processingEstimate and maximum as null for this basis. Present this as an unavailable estimate; neither the initial share redemption nor a missing estimate is a promise of immediate USDC liquidity or a fixed completion deadline.

Rate and availability

The catalog returns a signed 30-day realized APY when enough fresh price history exists; otherwise apyBps is null. A negative rate indicates a decline over that observation period. This historical return is not a promised rate and can differ from the provider’s displayed rate when the observation windows differ. utilizationPct is null. Fetch the live environment catalog before constructing a strategy. Dormant or halted sources are not selectable for new allocations; existing positions remain visible and can enter the redemption workflow, subject to provider liquidity and processing.

DeFi

Maple Syrup USDC

Syrup USDC is an overcollateralized lending product from Maple Finance. Withdrawals can be queue-based depending on protocol liquidity.

Maple Syrup USDT

Syrup USDT currently has no configured catalog cap in production or sandbox. Check maxAllocationUsd in the live catalog for your organization.

Morpho Gauntlet USDC Prime

This source allocates into Morpho’s Gauntlet USDC Prime ERC-4626 vault. Ground values the position from onchain convertToAssets() reads.

Morpho Steakhouse USDC Prime

This source allocates into Morpho’s Steakhouse USDC Prime ERC-4626 vault.

Morpho August USDC V2

This source allocates into Morpho’s August USDC V2 ERC-4626 vault.

Morpho Smokehouse USDC

This source holds an ERC-4626 vault position. Put morpho-smokehouse-usdc under strategy.allocations.usdc. Valuation uses the vault’s onchain asset-per-share conversion; withdrawal liquidity depends on the vault’s available assets.

Morpho Gauntlet USDC Prime (Base)

This source holds an ERC-4626 vault position. Put morpho-gauntlet-usdc-base under strategy.allocations.usdc. Valuation uses the vault’s onchain asset-per-share conversion; withdrawal liquidity depends on the vault’s available assets.

Morpho Steakhouse Prime USDC (Base)

This source holds an ERC-4626 vault position. Put morpho-steakhouse-usdc-base under strategy.allocations.usdc. Valuation uses the vault’s onchain asset-per-share conversion; withdrawal liquidity depends on the vault’s available assets.

Kamino Allez USDC

Kamino Allez USDC is a Solana-native USDC vault curated by Allez.

Kamino Gauntlet USDC Frontier

This Kamino kvault is curated under Gauntlet’s Frontier mandate.

Kamino RockawayX RWA USDC

This source remains in the DeFi section because the customer position is a Kamino lending vault, even though its curator targets an RWA-tilted mix.

Kamino Steakhouse USDC

This Kamino kvault is curated by Steakhouse Financial.

Kamino Superstate USDC

This source remains in the DeFi section because the wallet supplies a Kamino lending reserve, even though the reserve is backed by Superstate collateral.

Aave V3 Core USDC

Ground represents Aave positions as scaled aUSDC units and values them from Aave V3 reserve normalized income.

JustLend V1 USDT

Ground supplies USDT to JustLend V1 and the Portfolio Wallet holds jUSDT receipt tokens. The position is valued using JustLend’s accrued share-to-USDT exchange rate. The catalog shows 100% exposure to the JustLend V1 USDT market; it is not a breakdown of individual borrowers or their collateral. JustLend’s lending rate is variable, not a fixed promised return. currentApy follows the published supply-rate convention, excluding reward-token incentives: 365-day annualization at the target three-second block interval, without an extra compounding step, truncated to whole basis points. Display it as Current APY only until validUntil. Historical apyBps remains separate and may be null until sufficient fresh 30-day history exists. Sampling times can cause brief differences from the provider page. Deposits and redemptions settle onchain without a provider-managed redemption queue. Completion still depends on transaction confirmation, available market liquidity, and protocol controls. Use withdrawal previews and final workflow status rather than treating an “instant” estimate as guaranteed settlement. Sandbox uses valueless Shasta test USDT and a simulated JustLend market. It exercises the same API flow but does not reproduce mainnet interest rates, liquidity, or market risk. See Supported Chains and Deposits.

Rate semantics

  • apyBps is the persisted annualized 30-day yield in basis points.
  • Ground stores independent seven-day and 30-day rates for each yield source.
  • In production, Ground-calculated and official-provider rates are stored independently. apyBps prefers a fresh Ground-calculated 30-day rate and falls back to a fresh official 30-day rate.
  • USTB and USCC use trailing rates derived from discrete provider NAV publications.
  • JAAA and JTRSY use Centrifuge’s annualized seven-day and compounded 30-day yield snapshots.
  • Figure PRIME and AUTO use signed annualized 30-day realized returns from discrete share-price history.
  • Syrup uses Maple’s rate feed.
  • Morpho vaults use trailing rates derived from ERC-4626 NAV/share history.
  • Aave V3 uses reserve normalized income for valuation and trailing rates.
  • JustLend V1 uses its accrued jUSDT exchange rate for valuation and historical rates; currentApy is a separate, expiring current supply-rate preview. Do not substitute it for a wallet’s historical blended performance.
  • Kamino sources use trailing rates derived from onchain share prices or collateral exchange rates.
  • All rates are variable and may change over time.
navUpdateMode is "discrete" for sources such as USTB, USCC, JAAA, JTRSY, PRIME, and AUTO whose value changes when a new NAV is published. Continuously accruing onchain sources return "continuous". Wallet yield positions expose priceAsOf so clients can show when the reference price was observed.

protocol

processingPolicies

Each catalog row exposes action-specific deposit and redeem policies:
  • processingTimeBasis: "elapsed_seconds" describes ordinary elapsed time.
  • processingTimeBasis: "banking_days" describes calendar-aware settlement, such as JAAA and JTRSY.
  • processingTimeBasis: "provider_managed" describes Figure USDC settlement; processingEstimate and maximum are null, and completion depends on provider processing and available liquidity.
  • typicalMinUnits and typicalMaxUnits describe the typical range in that basis.
  • processingEstimate, when present, resolves the policy into durations or dates at request time.
Use POST /v2/wallets/:id/withdrawal-preview for wallet-specific withdrawal timing rather than treating catalog policies as a wallet completion promise.

Coming Soon

These are yield sources Ground has not yet integrated but is tracking for future support.

Aave USDT

Aave USDT is the USDT version of Aave’s Ethereum lending market, offering variable yield with withdrawals limited by pool liquidity and collateral constraints.

OpenTrade XHYC

XHYC is backed by a short-duration high-yield corporate bond ETF and targets higher credit yield without a fixed lockup.

OpenTrade XRV+

XRV+ is OpenTrade’s higher-yield rates product family focused on assets such as commercial paper and commodities trade finance.

Ondo OUSG

OUSG is Ondo’s tokenized U.S. Treasury product for institutional cash management with around-the-clock mint and redemption rails.

Etherfuse Bonds

Etherfuse turns government bond exposure into onchain tokens spanning U.S. and local-market bond series.

JitoSOL

JitoSOL keeps Solana staking exposure liquid and DeFi-usable while earning staking and MEV-linked rewards.

dSOL

dSOL is Drift’s liquid staking token for use across Drift’s trading and borrow-lend product surface.

stETH

stETH is Lido’s liquid version of staked ETH, preserving staking exposure while remaining usable across DeFi.

Katana vbUSDC yVault

Katana’s vbUSDC vault makes bridged USDC productive through the network’s Vault Bridge model.

Katana vbUSDT yVault

Katana’s vbUSDT vault is the USDT counterpart to vbUSDC, packaging bridged stablecoin liquidity into a yield-bearing vault.