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Fees

No Protocol Fees

The Renalta protocol is designed to be completely free for both integrators and end users. There are no deposit fees, withdrawal fees, management fees, or any other direct charges that affect your users' deposits or returns.

Revenue Model

Instead of charging traditional fees, Renalta operates on a sustainable model that captures value from excess yield generation. Here's how it works:

  • Stable Rate Promise: Users are guaranteed the advertised stable rate (currently 6.0% APY).
  • Yield Optimization: Our vault aggregator continuously seeks higher yields across multiple lending protocols (Morpho, Aave, Euler, etc.).
  • Excess Capture: When the aggregated yield exceeds the stable rate promised to users, Renalta captures a portion of this excess as protocol revenue.
  • User Protection: Users always receive their full promised rate regardless of underlying performance.

This model aligns Renalta's success with user satisfaction—the better we perform in generating yield, the more sustainable the protocol becomes, while users always receive their guaranteed returns.

Integration Benefits

This fee structure provides several advantages for integrators:

  • Transparent Pricing: No hidden fees or complex fee structures to explain to users.
  • Predictable Returns: Users receive exactly the advertised rate.
  • Competitive Advantage: Offer higher yields than traditional savings products without fee drag.
  • Simple Implementation: No need to account for fee calculations in your application logic.

Taking Fees as an Integrator

While the Renalta protocol itself does not currently have a built-in fee-sharing mechanism, you can build your own fee model on top of our infrastructure. For example, you could implement a small fee on user deposits or withdrawals within your application's logic before interacting with our vaults.

We are actively developing a native fee-sharing feature to make this process seamless for our partners. If you are interested in this functionality and would like to be a development partner, we would love to work with you.

Please reach out to us via email or Telegram to discuss this further.