> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vaults.fyi/llms.txt
> Use this file to discover all available pages before exploring further.

# Embed Yield and Borrowing in Any Wallet or Consumer App

> Add real-time yield discovery, borrowing views, non-custodial transactions, and customizable fee revenue to your wallet or app with a single API integration.

A single Vaults.fyi integration gives your wallet or consumer app access to hundreds of audited yield vaults across 80+ protocols and 20+ chains. You get live market data, ready-to-sign transaction payloads, portfolio tracking, and early-access borrowing support — without building protocol-specific integrations or running custodial infrastructure.

## What you can build

<CardGroup cols={2}>
  <Card title="Yield discovery" icon="magnifying-glass" href="/concepts/vault-discovery">
    Surface ranked vault opportunities filtered by asset, network, APY, and reputation score. Users see exactly where their idle funds can earn.
  </Card>

  <Card title="1-click deposits and withdrawals" icon="arrow-right-arrow-left" href="/concepts/transaction-flows">
    Generate ready-to-sign deposit and redeem payloads for any supported vault. Transactions go directly from the user's wallet to the target protocol.
  </Card>

  <Card title="Portfolio tracking" icon="wallet" href="/concepts/portfolio-tracking">
    Show users their current positions, accrued returns, and PnL across all yield strategies they've entered through your app.
  </Card>

  <Card title="Borrowing" icon="gauge" href="/concepts/borrowing">
    Show borrow markets, supplied and borrowed positions, risk metrics, and supported supply, withdraw, borrow, and repay actions.
  </Card>

  <Card title="TVL attribution" icon="chart-line" href="/concepts/tvl-attribution">
    Track the deposits, withdrawals, and retained TVL your app drives into each vault, protocol, curator, and network.
  </Card>

  <Card title="Monetization" icon="money-bills-simple" href="#monetize-yield-integrations">
    Attach flat or percentage-based fees to deposit and withdrawal transactions. Configure fee logic through the API without touching smart contracts.
  </Card>
</CardGroup>

## How integration works

<Steps>
  <Step title="Fetch vaults">
    Call `GET /v2/detailed-vaults` to retrieve a filtered, ranked list of vaults with APY, TVL, the Reputation Score, and protocol metadata. Apply filters for asset, network, or minimum reputation score to match your users' needs.
  </Step>

  <Step title="Generate a transaction payload">
    Call the transactions endpoint with the vault address, user wallet, and deposit amount. The API returns a ready-to-sign payload — no intermediary contracts involved.
  </Step>

  <Step title="Sign and submit">
    Pass the payload to the user's wallet for signing. Your app broadcasts the transaction. The user interacts directly with the target protocol.
  </Step>

  <Step title="Track attributed TVL">
    Transactions generated through Vaults.fyi include TVL tracking automatically, so you can measure retained balances and vault-level flows in portal.vaults.fyi. If you build vault transactions yourself, append a free attribution suffix instead. Learn more in [TVL Attribution](/concepts/tvl-attribution).
  </Step>

  <Step title="Track positions">
    Use the portfolio endpoints to display the user's current balance in each vault, yield earned since deposit, and estimated annual return.
  </Step>

  <Step title="Optional: add borrowing views">
    Use the Beta borrowing API to show supported borrow markets, supplied and borrowed positions, risk metrics, and available supply, withdraw, borrow, or repay actions.
  </Step>
</Steps>

## Non-custodial by design

All transaction payloads route funds directly from the user's wallet to the target protocol. Vaults.fyi never holds or controls user funds. This means:

* No intermediary smart contracts inflating gas costs
* Fewer attack surfaces compared to proxy or aggregator architectures
* Full UX control stays with your app

<Note>
  Both externally owned accounts (EOAs) and smart wallets are supported. For smart wallets, you can bundle fee transactions with the user's deposit in a single atomic operation.
</Note>

## Monetize yield integrations

You can attach fees to any deposit or withdrawal routed through your app. The API supports multiple fee structures so you can design the model that fits your business.

<CardGroup cols={2}>
  <Card title="Flat fees" icon="tag" href="#monetize-yield-integrations">
    Charge a fixed amount per deposit or withdrawal, regardless of transaction size.
  </Card>

  <Card title="Performance fees" icon="percent" href="#monetize-yield-integrations">
    Take a percentage of yield earned over time, aligning your revenue with user outcomes.
  </Card>
</CardGroup>

Fee logic is implemented directly in the API payload — no custom smart contract development required. For bespoke fee modules, the Vaults.fyi team works with you to design and validate the implementation.

<Tip>
  With EIP-7702, you can implement fee flows for traditional EOAs without requiring users to migrate to a smart wallet. This expands your monetization reach across all wallet types.
</Tip>

## Who's already using this

[Arbitrum Earn](/resources/case-studies/arbitrum) uses Vaults.fyi to bring native yield discovery and execution into the Arbitrum Portal. [Kraken Wallet](https://www.kraken.com/wallet) surfaces yield opportunities directly inside the wallet interface, while [Jumper Earn](https://jumper.exchange/) integrates the same API to power its cross-chain yield aggregation experience.

<Info>
  [Sign up](https://portal.vaults.fyi/signup) to get API access — pricing details are on the [Plans](/plans/overview) page.
</Info>