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The Unified Stablecoin Treasury System

Resource Vaults are the foundational infrastructure that transforms fragmented stablecoin holdings across multiple blockchains into a single, programmable USD balance on Base chain.

The Innovation

Instead of managing separate USDC balances on Ethereum, Arbitrum, Polygon, etc., users get one unified USD balance that works everywhere.

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How Resource Vaults Work

1

Multi-Chain Deposit

User deposits 500 USDC from Ethereum
2

Internal Bridging

Gasyard internal bridging to Base chain
3

Vault Credit

Vault contract credits +500 USD balance
4

Universal Spending

User can now spend via any interface instantly

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Vault Architecture on Base Chain

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Settlement Contract Storage

All vault balances are stored onchain in audited smart contracts on Base, providing:

Transparent Balances

Every USD balance is verifiable onchain with full transparency

Instant Redemption

Always redeemable 1:1 for USDC on Base chain

Smart Contract Custody

Funds protected by battle-tested, audited contracts

Real-time Updates

Balance changes reflected immediately onchain

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Why Base Chain?

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User Fund Guarantee

100% Fund SecurityEvery dollar in user vault balance is backed by real USDC reserves and can be redeemed 1:1 regardless of protocol status or solver performance.
Security Features:
  • 105%+ reserve backing maintained at all times
  • Real-time monitoring of reserve health
  • Automated rebalancing to maintain backing ratios
  • Circuit breakers halt operations if reserves drop below 100%

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Unified Balance Movement & Settlement

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Payment Execution Flow

User spends $25 via intent →
User vault balance: -$25 USD →
Solver vault balance: +$25 USD →
Settlement happens instantly onchain

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Reserve Health Maintenance

Continuous Monitoring:
  • Stableyard continuously monitors reserve ratios
  • Automated rebalancing maintains 105%+ backing
  • Real-time netting between user deposits and solver rewards
  • Circuit breakers halt operations if reserves drop below 100%
Example Reserve Status: 
{
  "totalUserDeposits": "$85.3M",
  "usdcReserves": "$89.5M", 
  "reserveRatio": "104.9%",
  "status": "HEALTHY",
  "lastRebalance": "2024-01-15T10:30:00Z"
}

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Solver Economics

Solvers act as professional liquidity providers, earning fees by executing cross-chain payments instantly and getting reimbursed through the unified balance system managed by Stableyard.

Liquidity Provision

Provide instant stablecoin liquidity on destination chains while users receive payments immediately

Fee Collection

Earn competitive fees for successful execution while being reimbursed from protocol reserves

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Vault Operations

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Deposit Process

1

Cross-Chain Deposit

User deposits stablecoins from any supported blockchain
2

Protocol Bridging

Gasyard handles internal bridging to Base chain
3

Balance Credit

User vault balance updated with USD equivalent
4

Instant Availability

Funds immediately available for spending across all interfaces

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Withdrawal Process

1

Withdrawal Request

User requests withdrawal to specific blockchain
2

Balance Check

Protocol verifies sufficient vault balance
3

Cross-Chain Execution

Solver provides USDC on requested chain
4

Settlement

User vault balance debited, solver reimbursed

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Benefits for Users

Simplified Management

One USD balance instead of managing multiple token balances across chains

Universal Spending

Spend anywhere without worrying about which blockchain the merchant uses

Instant Liquidity

No waiting for bridges or cross-chain transactions
Next Step: Learn about Payment Intent System - how to create programmable spending rules.