Understand the platformbefore you use it.
Find answers about products, fees, wallet interaction, Affiliate eligibility, inheritance structures and the risks involved in using DeFi applications.
What is SecureVault?+
SecureVault is a Polygon-based DeFi application for structured financial positions. Its product set includes Savings, Digital Wills, Goal Vaults, Family Vesting and a three-level Affiliate program.
Which network does SecureVault use?+
The current application is designed for Polygon. Wallet interactions should therefore be performed while the connected wallet is on the Polygon network.
What asset does SecureVault use?+
The current financial products are centered around USDT. Users should verify the network and token shown by their wallet before signing a transaction.
Do I need Telegram to use SecureVault?+
No. Telegram is optional infrastructure. The core web application is designed to work independently so that lack of a Telegram service does not prevent core wallet interaction.
How does Savings work?+
Savings creates a SecureVault position representing the user's financial claim. The architecture uses Aave V3 as the external yield layer for supported invested assets.
Is the yield guaranteed?+
No. Aave rates and DeFi conditions can change. SecureVault calculators therefore use illustrative assumptions rather than promising a particular return.
What is the Yield Fee?+
The Yield Fee is designed to apply to positive profit according to the configured product fee settings. A position that does not generate positive profit does not create a positive-profit Yield Fee.
Can I calculate an investment scenario before depositing?+
Yes. The Investment Calculator lets you change deposit size, illustrative annual yield and duration to understand the effect of the modeled fees and outcome.
What is a Digital Will?+
A Digital Will defines an on-chain inheritance structure for a supported SecureVault position. The owner can configure heirs and an optional charity allocation subject to the contract rules.
How many heirs can a Will have?+
The current interface supports up to 20 heirs.
What is the heartbeat?+
The heartbeat is the configured period used to determine when the Will expires. While the Will is active, the owner can renew it according to the contract rules.
Who can execute an expired Will?+
The current authorization model allows any caller to execute an expired Will. The resulting distribution is determined by the stored on-chain allocation and contract rules.
What is a Goal Vault?+
A Goal Vault is a deadline-based financial structure designed around a specific objective. Its lifecycle includes creation, completion and early cancellation subject to the configured rules.
What happens if I cancel a Goal early?+
The current design applies the configured early-cancellation rules. In the current Goal economics, the early penalty is applied to positive profit rather than automatically taking 50% of the entire balance.
Can I calculate the difference between completion and cancellation?+
Yes. The Goal Calculator shows both scenarios using adjustable illustrative values.
What is Family Vesting?+
Family Vesting creates a scheduled distribution structure where a parent funds the position and payments are released according to the configured installment rules.
What happens with rounding?+
The current implementation handles any remaining amount in the final installment so the schedule can close cleanly.
Can I see the expected installments before creating one?+
Yes. The Family Calculator models the illustrative payment schedule, installment fees and final remainder.
How many Affiliate levels are there?+
The current Affiliate architecture supports three referral levels.
What are the current default percentages?+
The current defaults are 15% for level one, 5% for level two and 2% for level three, calculated from the realized protocol fee allocated to the referral program.
What is the 10 USDT minimum?+
A referral reward recipient must have at least 10 USDT of qualifying balance. Qualifying balance can include active SecureVault positions and earned Affiliate rewards that have not been withdrawn.
Does my referral's balance count toward my 10 USDT minimum?+
No. The 10 USDT threshold is checked for each reward recipient individually. A sub-referral having less than 10 USDT does not prevent an eligible parent from receiving the parent's referral reward.
Do withdrawn Affiliate rewards still count?+
No. Earned rewards that remain unclaimed can contribute to qualifying balance; once those rewards are withdrawn, they no longer contribute to that balance.
Who controls my wallet?+
Your wallet remains your wallet. SecureVault's web interface requests transaction signatures, while economically important permissions and lifecycle rules are enforced by smart contracts.
Does the website itself decide who can withdraw?+
No. The frontend is an interface. Ownership and authorization rules must be enforced by the underlying contracts.
Are blockchain transactions reversible?+
Users should treat confirmed blockchain transactions as effectively irreversible and review transaction details carefully before signing.
Is SecureVault risk-free?+
No. Smart-contract risk, third-party protocol risk, blockchain execution risk, liquidity conditions and changing DeFi rates can affect outcomes.
Information on this page is not financial or legal advice.
SecureVault uses smart contracts and third-party DeFi infrastructure. Smart-contract vulnerabilities, protocol changes, liquidity conditions, blockchain execution and changing yield rates can affect outcomes. Review the relevant product rules and transaction details before signing.