sky.moneyUSDT Savings

Ethereum

sky.money USDT Savings vault accepts USDT deposits and deploys them exclusively into an sUSDS-USDT Morpho market.

Total Deposits

$63.5M

63.55M USDT

Liquidity

$6.91M

6.92M USDT

Exposure

Net APY

3.29

%

Overview

Vault Configuration

Morpho vault version

v2

Vault deployment date

2026-03-02

Curator TVL

$117.91M

Total Deposits (USD)

$63.50M

Net APY

3.29%

APY Breakdown

Vault Net APY

2.48%

USDT

+0.81%

Performance Fee

0%

Management Fee

0%

Allocation

Exposure

Markets	Allocation (%)	Allocation (USDT)	Liquidity (USDT)	Underlying Liquidity (USDT)	Utilization	Absolute Cap	Relative Cap	APY
Variable Rate Markets
USDTbacked bysUSDS 96.5% LLTV	100%	63.55M	6.92M	6.92M	89.10%	Infinite	100%	2.48%
USDTbacked bysUSDS 96.5% LLTV	0%	0.02	0.02	2.31M	84.70%	Infinite	100%	2.50%
Idle Liquidity
	0%	0	0	-	-	-	-	-

Exposure

Allocation History

Date	Amount	Vault / Market
2026-09-17 06:33:59	-3,044.73 USDT-$3042.19	USDTbacked bysUSDS 96.5% LLTV
2026-09-17 05:34:59	-100 USDT-$99.91	USDTbacked bysUSDS 96.5% LLTV
2026-09-17 03:51:59	+25,310.52 USDT+$25.28k	USDTbacked bysUSDS 96.5% LLTV
2026-09-17 02:52:59	+0.1 USDT+$0.09	USDTbacked bysUSDS 96.5% LLTV
2026-09-17 01:46:35	+3,146.42 USDT+$3143.79	USDTbacked bysUSDS 96.5% LLTV

1

Performance

Position Unit Price (USDT)

1.015588

Returns

Instant APY

3.29%

7D APY

2.53%

30D APY

2.97%

90D APY

2.66%

Fees

Performance fee

0%

Management fee

0%

Performance fee recipient

No address

Management fee recipient

Returns

Instant APY

7D APY

30D APY

90D APY

Fees

Performance fee

Management fee

Performance fee recipient

Management fee recipient

Risk

Risk Disclosures

Curator has not submitted a Disclosure.

Ratings

No ratings available for this vault.

Ratings

Vault Roles

Owner

SAFE 2/3

Curator

SAFE 2/3

Sentinel 1

SAFE 2/3

Risk Curation

Allocator 1

SAFE 2/3

Allocator 2

SAFE 1/3

Timelocks

These timelocks show how much time lenders have to review upcoming increases to vault exposure, including new adapters or higher limits for a vault's allocation strategy.

Add adapter

Time before a curator can enable a new adapter to the vault

3 days

Recommended: 7 days

Increase absolute cap

Time before a curator can raise the maximum amount supplied to an allocation

3 days

Recommended: 7 days

Increase relative cap

Time before a curator can raise the maximum share of the vault supplied to an allocation

3 days

Recommended: 7 days

Activity

User Distribution

User	Deposit	% of Deposits
	42,714,251.42 USDT$42.67M	67.20%
	3,129,426.64 USDT$3.12M	4.92%
	2,420,310.1 USDT$2.41M	3.80%
	2,019,849.1 USDT$2.01M	3.17%
	1,289,544.37 USDT$1.28M	2.02%

of

User Distribution

All Transactions

Date	Type	Amount
2026-09-17 06:33:59	Withdraw	3,044.73 USDT$3042.19
2026-09-17 05:34:59	Withdraw	100 USDT$99.91
2026-09-17 03:51:59	Deposit	25,310.52 USDT$25.28k
2026-09-17 02:52:59	Deposit	0.1 USDT$0.09
2026-09-17 01:46:35	Deposit	3,146.42 USDT$3143.79
2026-09-17 01:46:35	Withdraw	10.563 USDT$10.55
2026-09-17 01:03:23	Withdraw	5.003 USDT$4.99
2026-09-17 00:11:35	Deposit	2 USDT$1.99
2026-09-16 22:19:23	Deposit	80,000 USDT$79.93k
2026-09-16 21:33:23	Transfer	-

1

All Transactions

Deposit USDT

$0

0.00 USDT

Network

Ethereum

Deposit (USDT)

0.00

APY

3.29%

Projected monthly earnings

$0.00

Projected yearly earnings

$0.00

Ratings

No ratings available for this vault.

Deposit USDT

$0

0.00 USDT

Network

Ethereum

Deposit (USDT)

0.00

APY

3.29%

Projected monthly earnings

$0.00

Projected yearly earnings

$0.00

Position Unit Price (USDT)

1.015588

User Distribution

User	Deposit	% of Deposits
	42,714,251.42 USDT$42.67M	67.20%
	3,129,426.64 USDT$3.12M	4.92%
	2,420,310.1 USDT$2.41M	3.80%
	2,019,849.1 USDT$2.01M	3.17%
	1,289,544.37 USDT$1.28M	2.02%

of

Total Deposits (USD)

$63.50M

Exposure

Markets	Allocation (%)	Allocation (USDT)	Liquidity (USDT)	Underlying Liquidity (USDT)	Utilization	Absolute Cap	Relative Cap	APY
Variable Rate Markets
USDTbacked bysUSDS 96.5% LLTV	100%	63.55M	6.92M	6.92M	89.10%	Infinite	100%	2.48%
USDTbacked bysUSDS 96.5% LLTV	0%	0.02	0.02	2.31M	84.70%	Infinite	100%	2.50%
Idle Liquidity
	0%	0	0	-	-	-	-	-

Allocation History

Owner

SAFE 2/3

Curator

SAFE 2/3

Sentinel 1

SAFE 2/3

Morpho vault version

v2

Vault deployment date

2026-03-02

Curator TVL

$117.91M

Allocator 1

SAFE 2/3

Allocator 2

SAFE 1/3

These timelocks show how much time lenders have to review upcoming increases to vault exposure, including new adapters or higher limits for a vault's allocation strategy.

Add adapter

Time before a curator can enable a new adapter to the vault

3 days

Recommended: 7 days

Increase absolute cap

Time before a curator can raise the maximum amount supplied to an allocation

3 days

Recommended: 7 days

Increase relative cap

Time before a curator can raise the maximum share of the vault supplied to an allocation

3 days

Recommended: 7 days

All Transactions

Date	Type	Amount
2026-09-17 06:33:59	Withdraw	3,044.73 USDT$3042.19
2026-09-17 05:34:59	Withdraw	100 USDT$99.91
2026-09-17 03:51:59	Deposit	25,310.52 USDT$25.28k
2026-09-17 02:52:59	Deposit	0.1 USDT$0.09
2026-09-17 01:46:35	Deposit	3,146.42 USDT$3143.79
2026-09-17 01:46:35	Withdraw	10.563 USDT$10.55
2026-09-17 01:03:23	Withdraw	5.003 USDT$4.99
2026-09-17 00:11:35	Deposit	2 USDT$1.99
2026-09-16 22:19:23	Deposit	80,000 USDT$79.93k
2026-09-16 21:33:23	Transfer	-

1

Date	Amount	Vault / Market
2026-09-17 06:33:59	-3,044.73 USDT-$3042.19	USDTbacked bysUSDS 96.5% LLTV
2026-09-17 05:34:59	-100 USDT-$99.91	USDTbacked bysUSDS 96.5% LLTV
2026-09-17 03:51:59	+25,310.52 USDT+$25.28k	USDTbacked bysUSDS 96.5% LLTV
2026-09-17 02:52:59	+0.1 USDT+$0.09	USDTbacked bysUSDS 96.5% LLTV
2026-09-17 01:46:35	+3,146.42 USDT+$3143.79	USDTbacked bysUSDS 96.5% LLTV

1

Returns

Instant APY

3.29%

7D APY

2.53%

30D APY

2.97%

90D APY

2.66%

Fees

Performance fee

0%

Management fee

0%

Performance fee recipient

No address

Management fee recipient

Net APY

3.29%

APY Breakdown

Vault Net APY

2.48%

USDT

+0.81%

Performance Fee

0%

Management Fee

0%

sky.moneyUSDT Savings

Ethereum

sky.money USDT Savings vault accepts USDT deposits and deploys them exclusively into an sUSDS-USDT Morpho market.

Total Deposits

$63.5M

63.55M USDT

Liquidity

$6.91M

6.92M USDT

Exposure

Net APY

3.29

%