01 / Workflow
Eligibility, daily credit and exit timing
The balance threshold and reward estimate are shown beside the withdrawal process so a customer can review both the return mechanics and the time needed to exit.
- 01
Confirm account eligibility
Payfux reviews the business account, qualifying asset, valuation, jurisdiction and wallet value above the $10,000 threshold.
- 02
Review and accept Vault terms
The customer receives the applicable rate, calculation method, funding explanation, risks, fees and withdrawal conditions before allocating value.
- 03
Credit the daily reward
Eligible value is calculated under the accepted terms using the daily factor corresponding to the stated 12% APY.
- 04
Request a withdrawal
A Vault withdrawal enters the stated 48-hour processing period before the transfer is initiated under the applicable terms.
02 / Operations
The figures a customer should be able to check
Vault information should make the eligible balance, calculation convention, credited reward and withdrawal state understandable without presenting the return as certain.
Eligible balance
The account shows the qualifying wallet value used for the reward calculation under the accepted asset and valuation rules.
Daily APY factor
A 12% APY compounded daily corresponds to approximately 0.03105% per day, subject to the stated precision and rounding rules.
Reward record
Daily credits should identify the eligible value, calculation date, applied rate and credited amount under the program terms.
Withdrawal state
The account shows the request, the 48-hour processing period and the point at which transfer is initiated.
03 / Requirements
Returns and principal are at risk
Vault rewards depend on sufficient realized transaction-fee and financing revenue. That revenue may be insufficient, rates may change and customer principal must not be treated as protected.
- Risks include loss of principal, revenue shortfall, counterparty or borrower default, liquidity limits, stablecoin loss of value, insolvency, tax and changes in law.
- The 12% APY is an annualized rate under a stated compounding convention, not 12% divided by 365 and not a promise of future returns.
- Eligibility, program availability, asset, rate variation, fees, withdrawal treatment and termination rights are governed by the terms accepted before enrollment.
04 / Questions
Questions operators ask
Who is eligible for Payfux Vault?
The described threshold starts above $10,000 in qualifying wallet value. Account, asset, valuation, jurisdiction and program requirements are confirmed before enrollment.
Is the 12% APY guaranteed?
No. Returns are variable and not guaranteed. The applicable rate and variation terms are presented before enrollment and program revenue may be insufficient.
How is the daily reward estimated?
With daily compounding, the factor corresponding to 12% APY is (1.12)^(1/365)-1, approximately 0.03105% per day before applicable precision and rounding rules.
Where are Vault rewards intended to come from?
The described funding source is realized Payfux transaction-fee and financing revenue, not customer principal. Revenue may vary and may be insufficient.
How long does a Vault withdrawal take?
Every described Vault withdrawal enters a 48-hour processing period under the customer's product terms before transfer is initiated. Other conditions may be stated in those terms.
Is Vault a bank deposit?
No bank-deposit or deposit-insurance claim is made. Customers should review the product terms and Risk Disclosure and obtain their own legal, tax or financial advice where needed.
Vault workspace
Review eligibility, economics and withdrawal terms together
Open the Vault area to review the account-specific information and product terms available to your business.
Explore Vault