Smart Vaults: The Future of Stablecoin Borrowing

Stablecoin borrowing has long followed a familiar pattern: deposit collateral, pay interest, and manage liquidation risk. But at TheStandard.io, we're flipping the script. With the launch of Smart Vaults, we've introduced a new paradigm for borrowing against your crypto—one that eliminates interest, simplifies user experience, and opens powerful new avenues for financial autonomy.

What Are Smart Vaults?

Smart Vaults are over-collateralized debt positions (CDPs), rebuilt with next-gen UX and native integrations. They allow users to mint USDs—our decentralized, overcollateralized stablecoin—by locking up assets like ETH, WBTC, or other whitelisted collateral types. Unlike traditional CDPs, Smart Vaults feature zero interest, flexible repayment, and modular collateral support.

In short, they give you a way to unlock the value of your crypto without selling it—and without worrying about compounding debt.

Why Smart Vaults > Traditional CDPs

1. 0% Interest: Most DeFi borrowing platforms charge interest rates ranging from 2% to 20% annually. This creates debt pressure over time, especially in volatile markets. Smart Vaults remove this burden. Users can mint USDs and hold their position as long as they remain above the liquidation ratio—with no ticking interest clock.
2. Simplicity Meets Power: Traditional CDPs often involve complex steps, opaque parameters, and unintuitive interfaces. Our Smart Vaults strip this complexity down to a clean, step-by-step process that anyone can follow. Whether you're minting your first 100 USDs or managing a high-value vault, the process is frictionless and fast.
3. Modular and Future-Proof: Smart Vaults support a growing list of collateral assets, including decentralized stablecoins, LP tokens and real-world assets in future releases. Each asset has custom risk parameters tailored to its volatility and liquidity profile. As we expand multi-chain and cross-platform integrations, Smart Vaults will evolve to meet every DeFi user's needs.
4. Native Liquidity Support: Borrowing is only useful if you can do something with the assets you mint. That’s why TheStandard has partnered with Uniswap, and other leading DEXs to support deep USDs liquidity. You can instantly swap or LP your USDs and start earning—without worrying about peg breaks or slippage.

How Smart Vaults Work

• Connect your wallet at app.thestandard.io
• Choose your collateral (e.g. ETH, WBTC)
• Deposit the amount you want to lock
• Mint USDs up to your safe borrowing limit
• Track your health ratio and repay or top-up anytime

Everything is on-chain and non-custodial. There are no middlemen, no approvals required from a central authority, and no interest owed.

USDs: A Stablecoin for Sovereign Users

Unlike algorithmic or fiat-backed stablecoins, USDs is over-collateralized by crypto and governed by a decentralized DAO. This makes it resilient, censorship-resistant, and scalable across chains.

You can use USDs to:

• LP on Uniswap for yield
• Pay for goods or services
• Bridge to other chains
• Hold as a stable hedge

Smart Vaults are the engine; USDs is the fuel. Together, they form a composable foundation for stablecoin utility.

What's Next?

The launch of Smart Vaults is just the beginning. Over the coming months, we’re:

• Onboarding new collateral types
• Deploying multichain
• Launching staking and veTST governance for deeper protocol engagement
• Integrating with aggregators and bridges for seamless liquidity

The vision is clear: a stablecoin borrowing layer that is modular, transparent, and optimized for real users.

Start Borrowing Today

Smart Vaults are live now on Arbitrum. Whether you're a DeFi power user or just getting started, you can borrow against your crypto at 0% interest and put your assets to work immediately.

No more debt spirals. No more opaque terms. Just freedom, simplicity, and true DeFi.

🔗 Get started: app.thestandard.io