Vaults
A Vault is a pooled smart contract structure that accepts stablecoin deposits and allocates capital across Credit Lines and sources of liquid asset yield within the Credit Coop Protocol.
Vaults are non-custodial. CMBT Labs does not hold, control, or have access to Digital Assets deposited into any Vault at any time.
How Vaults work
Vault Depositors supply Digital Assets to a Vault through the Interface. Upon deposit, they receive Vault Tokens representing their pro rata participation, redeemable for the underlying stablecoin subject to available liquidity.
Capital within the Vault is allocated by the Vault Curator across Credit Lines and other liquidity strategies. Vault Depositors do not control individual allocations — that responsibility sits with the Curator.
Protocol parameters and governance
Vault-level configuration and protocol-level parameters — including fee structures, collateral requirements, and credit limits — are determined by Credit Coop Protocol governance processes and encoded in smart contract logic.
No single party, including CMBT Labs, has unilateral control over these parameters. Current Vault and Credit Line configurations are displayed on the Interface at app.creditcoop.xyz.
Related pages
Participants & Roles — responsibilities of Vault Depositors, Curators, and Borrowers
Fees — fee types applicable to Vaults
Servicer & Liquidation — how liquidation works
Vaults (technical documentation) — vault architecture and mechanics
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