FAQs

What does Quiet Finance do?

Quiet Finance routes stablecoin deposits into a curated set of low-risk strategies. Allocation can span multiple chains when it improves net yield and stays within protocol limits. Users interact with a single vault position rather than managing individual strategies.

How is yield earned?

Yield comes from established DeFi primitives. The strategy set prioritizes liquidity and protocol maturity. Leverage and looping are excluded by design.

Depending on market conditions, yield may come from lending markets, fixed-income style positions such as discounted PT exposure, and low-volatility liquidity strategies.

How does the yield get paid to me?

Yield accrues inside the vault. Your position is represented by vault shares. As the vault earns, the share price increases relative to the underlying asset. You do not need to claim rewards.

When can I withdraw my stablecoins?

Withdrawals are available at any time.

Quiet supports two paths:

• queued withdrawals, processed as part of a rebalance cycle

• instant withdrawals, served from a liquidity buffer when available

What is qUSD?

qUSD is the protocol’s internal accounting unit for deposited stablecoins. It represents stablecoin liquidity managed by Quiet’s allocator. You do not need to hold qUSD manually to use the vault.

What is sqUSD?

sqUSD represents the yield-bearing vault position. It follows an ERC-4626 style share model. Holding sqUSD gives you a proportional claim on the vault’s assets and accrued yield.

How fast can I withdraw?

Standard queued withdrawals typically complete in about 1–2 days, depending on the rebalance schedule and liquidity conditions.

Instant withdrawals complete immediately when buffer liquidity is available. A fee applies.

What fees are there?

Instant withdrawals charge a 0.5% fee. The fee is routed to the protocol treasury and supports operational reserves.

Queued withdrawals do not charge this instant-exit fee.

What risks should I know about?

DeFi carries risk. Quiet reduces exposure through diversification and explicit limits, but it cannot remove risk entirely.

Key categories:

• smart contract risk (vault and integrated protocols)

• strategy risk (liquidity stress, adverse market structure, protocol failures)

• cross-chain risk (when capital is moved between networks)

• stablecoin risk (issuer and depeg risk)

How do you manage risk?

Quiet enforces exposure limits per chain and per protocol. It uses a curated strategy set and avoids leverage. Allocation responds to changes in liquidity and risk signals. A liquidity buffer reduces the need for forced unwinds during normal withdrawals.

Have you been audited?

Audit status and reports will be published and linked from the Security section when available.

How do I participate in the testnet?

Connect a wallet on the testnet site and complete quests. Quests cover protocol usage and community engagement. Points accumulate over time.

What about my points?

Points track testnet participation through quests. They are designed to reflect meaningful actions rather than deposit size. Thresholds and role mechanics are announced during the testnet.