Zircuit, a security‑first digital asset firm incubated by former Quantstamp engineers, has launched **Zircuit Finance**, an onchain yield platform aimed at institutional‑grade strategies and targeting **8–11% APR** on **USDC** and **USDT** stablecoin deposits. The product is designed as a cross‑chain stablecoin vault with no deposit minimums, 0% management fee, and performance‑based fees, combining traditional risk frameworks and regulated counterparties with onchain execution and transparent reporting. Zircuit is backed by investors including **YZiLabs**, **Dragonfly**, and **Pantera**, and positions the new platform as a safer alternative to prior high‑yield DeFi products that lacked robust credit controls and security layers. The vault sources yield through a mix of **regulated institutional partners and DeFi venues**, integrating firms such as **Fidelity**, **Monarq Asset Management**, **Forteus**, **FalconX**, and market‑making and liquidity providers like **B2C2**, alongside protocols including **Aave** and **Morpho** to diversify counterparty and venue risk. Users can deposit and withdraw across multiple chains from a single interface, with a liquidity buffer for smaller withdrawals typically processed within about 24 hours and larger redemptions taking up to roughly 14–21 days as capital is unwound from underlying strategies. The offering explicitly frames yields as variable and non‑guaranteed, emphasizing smart contract, market, and credit risk, and underlines Zircuit’s security track record in auditing and protecting over $200 billion in assets in previous work. Strategically, Zircuit Finance targets the gap between opaque offchain structured products and earlier DeFi yield platforms, seeking to make **institutional‑grade credit and trading strategies accessible onchain** with enforceable protections and detailed disclosures. The roadmap includes adding vaults for **BTC** and **ETH** and expanding the set of strategies and partners, while maintaining an “institutional rails for retail and funds” positioning that could make it relevant for funds, DAOs, and high‑net‑worth users looking for dollar‑denominated yield with clearer legal, operational, and security frameworks. "entities":["Zircuit","Zircuit Finance","YZiLabs","Dragonfly","Pantera","Quantstamp","USDC","USDT","Bitcoin (BTC)","Ethereum (ETH)","Fidelity","Fidelity Investments","Monarq Asset Management","Monarq","Forteus","Numeus Group","FalconX","B2C2","Aave","Morpho","LayerZero","Jennifer Zheng"]}```'}♀♀♀♀ исправить**

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