Earn Module Overview

Stable Yield Through RWA and DeFi Vaults

Earn is the core of City Neobank and the primary onboarding point for users. It is where on-chain capital meets real-world yield.

Building a crypto neobank is most effective by starting at the earn/grow layer, then expanding into transaction and storage, transforming yield users into comprehensive financial customers.

The Vault Architecture

City Neobank deploys a vault-based architecture built on the most battle-tested infrastructure patterns in DeFi. The industry's leading vault primitives have operated at a billion-dollar scale for years with zero security incidents, powering institutional products distributed through major exchanges and wallets.

City Neobank adapts these proven patterns into its own vault framework. Each vault is a smart contract that automatically manages a specific yield strategy, handling deposits, withdrawals, yield accrual.

The vault framework operates on five core principles:

Non-custodial by design. Users retain ownership of their assets at all times. Deposits flow into audited smart contracts, not custodial accounts. All assets remain under the control of users or user-designated smart contracts, providing the security guarantees that institutional capital demands.

Risk-stratified and transparent. Each vault carries a clearly defined risk profile: underlying asset class, duration, expected yield range, and risk factors. Real-time reserve dashboards and multi-strategy portfolio visibility give users full transparency. Users choose vaults that match their risk appetite, from conservative fixed-income products to higher-yield alternative strategies.

Composable. Vault positions are represented as the NAV of the tokenised RWA or trading strategies, making them composable with the broader DeFi ecosystem. Users can use vault positions as collateral, trade them, or integrate them into other protocols, creating a liquid yielding asset that functions across the entire on-chain financial stack.

Verifiable constraints. Vault operations are constrained to a whitelisted set of actions, fully viewable on-chain. Users can independently verify that their capital is only deployed within approved strategy parameters. This eliminates the trust assumptions that plague centralized yield products.