Etherfi Launches U.S. Liquid Vault to Expand DeFi Access

Etherfi has unveiled its new U.S. Liquid Reserve Vault, providing American users with enhanced access to its DeFi-native vault infrastructure

ContentsU.S. clients gain access to enhanced earning potentialIntegration with DeFi protocolsGrowth of Etherfi’s ecosystemThis vault is designed to help users maximize returns on their USD-denominated holdings, including USDC and USDT, by offering them the opportunity to earn rewards across multiple DeFi protocols.

U.S. clients gain access to enhanced earning potential

The U.S. Liquid Reserve Vault utilizes Midas-powered infrastructure to ensure that clients can earn competitive yields on their stablecoin holdings. The vault offers a straightforward process where deposits of USDC or USDT are automatically lent to Morpho, a decentralized lending protocol that guarantees competitive returns

Etherfi’s vault aims to provide U.S. clients with access to high-yield opportunities while maintaining flexibility and liquidity.

The Liquid Reserve Vault is now live 🇺🇸

The new addition to Liquid expands access to @ether_fi’s DeFi-native vault infrastructure.

Learn how to get started below ↓ pic.twitter.com/QSe83F2HUc

— ether.fi (@ether_fi) January 20, 2026

Users can also benefit from Etherfi’s automatic rebalancing feature, which ensures that their assets are allocated to various protocols to maximize returns. Currently, approximately 55% of the deposits are placed into Sentora PYUSD on Ethereum, generating an estimated annual percentage yield (APY) of 5.58%. The remaining 45% is allocated to liquidity for quick withdrawals, giving users convenient access to their funds.

Integration with DeFi protocols

Etherfi has expanded its ecosystem by adding the Liquid Reserve Vault to its already robust portfolio. This vault integrates several DeFi protocols, providing diversified earning opportunities. Users can deposit USDC, USDT, and USDe, which are deployed across AAVE, Curve/Convex, and other protocols. Etherfi is planning to scale this vault further by incorporating additional yield sources like Uniswap V3 and Pendle, ensuring that users continue to earn competitive returns.

The integration of these protocols further enhances Etherfi’s liquid staking offerings, which include a liquid staking vault for Ethereum and a liquid BTC vault. The Ethereum vault automatically allocates funds to various DeFi positions, generating rewards while saving on gas fees

Similarly, the BTC vault leverages multiple lending and borrowing protocols, such as AAVE and Morpho, to capture rate arbitrage opportunities and offer diverse yield options for BTC holders.

Growth of Etherfi’s ecosystem

Etherfi’s Total Locked Value (TLV) has reached an impressive $8.68 billion, with the protocol offering a 14-day trailing APY of 6.99% for USD deposits and 4.71% for Ethereum-based assets. The growth of the ecosystem reflects Etherfi’s commitment to providing a comprehensive suite of yield-generating products that span multiple digital assets and DeFi strategies.

In addition to the Liquid Reserve Vault, Etherfi has also launched a Liquid HYPE Yield vault, which allows users to deposit HYPE and beHYPE tokens. These tokens are then deployed across evolving DeFi protocols to capture diverse yield opportunities.

With the launch of the Liquid Reserve Vault, Etherfi is broadening access to DeFi for U.S. clients and offering them an easy and efficient way to earn rewards on their stablecoin holdings. This development further strengthens Etherfi’s position in the liquid staking and decentralized finance sectors while providing users with diverse opportunities for passive income.