Earn up to 8% APY

Your assets should work as hard as you do.
Competitive APY.¹ No minimums.

Start earning

Power your growth, secure
your future

Interest paid continuously

Earn market-leading returns as your vault grows around the clock.

No minimums

Start compounding your assets with any amount.

Withdraw anytime

Your assets stay liquid. Withdraw in minutes with Balanced or Boosted Strategies, and within 24 hours for Advanced Strategies.^²

Three ways to grow

Choose yours.

	Balanced Yield Up to 3% APY¹ For users who want steady growth with lower risk.	Boosted Yield Up to 4% APY¹ For users comfortable with moderate risk and seeking higher returns.	Advanced Strategies 8% APY¹ For experienced users ready to manage core risks applying leverage for highest returns.
Returns	Up to 3% APY^¹ Balanced return potential	Up to 4% APY^¹ Enhanced return potential	8% APY^¹ Maximum return potential
Risk	Lower risk strategies	Risk-adjusted strategies	Highest risk-return strategies
Withdrawals	Near Instant	Near Instant	Within 24 hours
Vault Operator	Chaos labs	Chaos labs	Sentora

Start earning

Grow your assets, the easy way

Simple and familiar
Easily manage your assets with Krak. Check your balance, track rewards and see key details at a glance.

Deposit anything. Earn instantly.
No extra steps or setup. We handle the conversions for you so your assets start earning right away.

Strategies, diversified
Grow your assets with strategies that help your assets do more for you.

Transparency by default
Every vault displays real-time APY, fees, liquidity, risks, and performance metrics before you deposit.

Expert oversight and audits
Krak Vaults are powered by Veda’s trusted system that supports over $2.5 billion in assets worldwide.

Start earning more

Download the Krak app and deposit your assets to start earning instantly.

Get the Krak app

Get my Krak Card

FAQs

What are Krak Vaults?

Krak Vaults let you earn real yield from markets through a simple interface. When you transfer your assets into a Vault, your funds are allocated into lending markets which generate yield from fees paid by borrowers.

Who manages the Vaults?

Automated tools guide how your assets are invested, with every movement processed through audited systems.

Can I withdraw anytime?

Withdrawals are designed to be fast and typically complete instantly. If utilization is temporarily high, the app provides real-time liquidity status and estimated withdrawal times.

¹ APY as of January 21, 2026, subject to change. Rewards are variable and not guaranteed; you can lose some or all of your assets. Interacting with on-chain smart contracts involves risks which are further detailed in the terms of service, including technological risk (bugs, exploits, and oracle/MEV/bridge failures), market risk (price volatility, de-pegs, and liquidation where relevant), and operational risk (irreversible transactions, gas fees, network congestion). Kraken does not control third-party protocols. Offered by Payward Wallet, LLC. Fees apply. Availability varies by jurisdiction.

² Withdrawal timing depends on selected strategy and network conditions.

Geo restrictions apply. See this Support Center Article for more information on Krak Vaults.

Grow your money.
Get Krak.

Scan the QR to access Vaults.

Get the app

Earn up to 8% APY

Grow your assets, the easy way

Grow your money. Get Krak.

Scan the QR to access Vaults.

Grow your money.
Get Krak.