Rich by Coin

Prime Vaults has launched a Pre-deposit campaign within the Berachain ecosystem, part of a wave of high-yield vaults in 2026. The PrimeUSD vault offers about 23% APY across multiple stablecoins, while PrimeBERA delivers up to 118% APR, placing them among top DeFi yields. Beyond these two, Prime Vaults supports staking of BTC and ETH via PrimeBTC and PrimeETH, with APRs of 5.87% and 9.22%, respectively. It is described as a smart-strategy “vault-as-a-service” protocol designed to address key DeFi risks by delivering more stable yields via a simple interface.

The system centers on an “on-chain savings account,” aiming to deliver consistent passive returns while safeguarding principal and guaranteeing a minimum baseline yield. Unlike traditional DeFi vaults, Prime Vaults uses a unified infrastructure for centralized capital management and dynamic allocation to improve capital efficiency and risk control. The centerpiece is the Unified Yield Model, pooling deposits such as USDC, WETH, WBTC, and WBERA into a shared reservoir and allocating across diversified risk-adjusted strategies based on real-time yield and risk metrics. This design enables capital to flow across assets and strategies, capturing superior yield opportunities while maintaining safety, and it supports cross-chain execution and concurrent multi-strategy operations, reducing internal swaps and fragmentation.

The core yield driver is Berachain’s PoL, with liquidity directed from the unified pool into Reward Vaults and Berachain-native strategies. Prime Vaults receives roughly 33% of validator-issued BGT emissions as redirected incentives, which are converted into WBERA via an auction and reinvested into users’ shares for compounding returns. During the pre-deposit phase, PrimeBERA’s APR surged to about 118%, largely from BGT emissions, while TVL growth is expected to bring yields toward sustainable levels anchored in PoL. The system also separates principal from yield, supports a multi-source 23% APY path for PrimeUSD via on-chain lending and PoL subsidies, and maintains safeguards such as an Impermanent Loss Reserve Fund, circuit-breakers, a Protocol Health Index, On-chain Proof of Reserves, and Boosted Points rewards for the pre-deposit campaign.