What does idle cash earn?

Bank / MMF / T-bill vs an onchain vault base rate. Math only — not advice.

Extra vs your benchmark

–

TradFi–

Onchain–

Amount

Months

Benchmark

Onchain APR %

Incentives %

Assumes constant rates, annual compounding, no fees/taxes. APR / APY / 7-day yield aren’t identical — this is an approximation. Default ~6% vault base excl. incentives; add Merkl incentives separately if you want them.

Share on X

Risks & caveats tap to expand

Hypothetical only — not advice or an offer. Onchain rates move and can go to zero. DeFi risks: smart-contract bugs, collateral / liquidation, stablecoin depeg, liquidity. Bank deposits may be insured; onchain deposits are not. Availability may be restricted where you live.

See live bank vs onchain rates, or where a vault deposit actually goes.

Open the app Rate tracker →