# \[RFC\] Onboard Fluid Lite USDC Vault as new yield source for USDC DAO Managed Higher Risk vault

**URL:** <https://forum.summer.fi/t/rfc-onboard-fluid-lite-usdc-vault-as-new-yield-source-for-usdc-dao-managed-higher-risk-vault/790>\
**Category:** Request for Comment \[RFCs\]\
**Tags:** usdc, ark-onboarding, rfc, mainnet, dao-managed-vaults\
**Created:** [March 25, 2026, 2:01am UTC](https://forum.summer.fi/t/rfc-onboard-fluid-lite-usdc-vault-as-new-yield-source-for-usdc-dao-managed-higher-risk-vault/790 "2026-03-25T02:01:38Z")\
**Posts on this page:** 1\
**Page:** 1

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**Author:** ![samehueasyou](https://avatars.discourse-cdn.com/v4/letter/s/c5a1d2/32.png) [@samehueasyou](https://forum.summer.fi/u/samehueasyou)\
**Post date:** [March 25, 2026, 2:01am UTC](https://forum.summer.fi/t/rfc-onboard-fluid-lite-usdc-vault-as-new-yield-source-for-usdc-dao-managed-higher-risk-vault/790/1 "2026-03-25T02:01:38Z")

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## Summary

This RFC proposes onboarding the Fluid Lite USDC Vault (fLiteUSD) as a new yield source for the Lazy Summer Protocol USDC DAO Managed Higher Risk vault on Ethereum Mainnet. The Fluid Lite vault is a passive, ERC-4626 yield-generating stablecoin vault built by the Instadapp team that deploys USDC across leveraged stablecoin strategies.

Key highlights:

1. **Competitive yield** - Driven by automated leveraged looping strategies across sUSDe, syrupUSDC, syrupUSDT, and sUSDai
2. **Battle-tested team** - Built by Instadapp, one of the oldest DeFi teams (8+ years) and $12.4M in institutional backing from Pantera Capital, Coinbase Ventures, and Standard Crypto

## Motivation

### The Opportunity

The Fluid Lite USDC Vault offers an automated, leveraged yield strategy on stablecoins that would be complex and gas-intensive for individual users to execute manually. The vault converts USDC deposits into an optimised mix of yield-bearing stablecoins (sUSDe, syrupUSDC, syrupUSDT, sUSDai), then executes automated leverage loops, deposit collateral, borrow stablecoins, swap for more collateral, repeat, to amplify yields while remaining capital-efficient.

### Why Fluid

Fluid has grown into a major DeFi infrastructure layer with over $5B in total protocol TVL. The Fluid Lite product specifically applies Instadapp’s 8+ year track record in DeFi smart account architecture to an automated vault strategy. Key differentiators from alternatives already in Lazy Summer:

- **Leveraged looping on multiple yield-bearing stablecoins** rather than single-asset lending, creating a diversified yield base

### Why the DAO Managed Higher Risk Vault

The DAO Managed Higher Risk vault is the right fit because:

- **Leveraged strategy risk** - The looping mechanism introduces leverage risk that exceeds a standard lending position, fitting the higher-risk tier
- **Cross-chain bridge exposure** - CCIP and LayerZero bridge dependencies add operational complexity that benefits from DAO oversight
- **Reserve fund cushion** - The 500K USDC reserve provides a buffer against short-term underperformance, giving the DAO time to react rather than facing immediate drawdowns

## Specifications

| Field | Value |
| --- | --- |
| Protocol | Fluid Lite (by Instadapp) |
| Target Lazy Summer Vault | USDC DAO Managed Higher Risk |
| Vault Type | ERC-4626 Automated Yield Vault |
| Token | USDC |
| Receipt Token | fLiteUSD |
| Network | Ethereum Mainnet (deposit) / Multi-chain strategies (Ethereum, Arbitrum, Plasma) |
| Contract Address | 0x273DA948ACa9261043fbdb2a857BC255ECC29012 |
| | |

## Questions for the Community

### Informal support indicator

_Poll ([view on site](https://forum.summer.fi/t/rfc-onboard-fluid-lite-usdc-vault-as-new-yield-source-for-usdc-dao-managed-higher-risk-vault/790/1))_

@chrisb @BlockAnalitica @halaprix