Deposit USDC. Earn 3.5% APY. Your principal stays locked and protected. Only yield is spendable. No management fees, no withdrawal fees, no hidden costs.
Explore interactive demo →Deposit USDC into Treasury. Your principal is locked and cannot be spent under any circumstances. Only accumulated yield is available for use.
Yield accrues continuously on your deposited USDC. No lockup periods, no minimum deposits, no tiered rates. Everyone gets the same APY.
No management fees, no withdrawal fees, no performance fees. The yield you earn is the yield you keep. We make money on settlements, not on your deposits.
Transfer USDC into your Treasury account. Yield begins accruing immediately at 3.5% APY. When you want to use earnings, withdraw yield to your operational wallet. Principal remains locked. The separation between principal and yield is enforced at the smart contract level — not a policy, a guarantee.
Transfer any amount to Treasury
3.5% APY, compounded continuously
Principal locked, yield withdrawable
Your USDC earns 3.5% annually, accrued per-block. No minimum deposit, no tiered rates, no lockup penalties. A $10,000 deposit earns approximately $350 per year, $29 per month, available for withdrawal at any time. Yield is calculated transparently and visible in your dashboard in real time.
The separation between principal and yield is not a policy — it is enforced by a smart contract on Base. Your principal cannot be withdrawn, transferred, or spent. Only accumulated yield can leave the Treasury. This is auditable on-chain by anyone, at any time.
The old way vs. the Shulam way.
| Capability | Idle USDC (0% APY) | Shulam Treasury |
|---|---|---|
| Yield | 0% — money losing value to inflation | 3.5% APY, accrued per-block |
| Principal safety | Spendable (easy to drain) | Contract-locked (cannot be spent) |
| Fees | N/A | $0 — no management, withdrawal, or performance fees |
| Minimum deposit | N/A | None |
| Withdrawal | Instant (all funds at risk) | Yield instant, principal locked |
| Auditability | Trust the custodian | On-chain, verifiable by anyone |