KeyBay KeyBay Capital Bitcoin L1 Yield
Try Demo Launch App
Products KBY Token Ecosystem Docs Security Team Try Demo Launch App
Two OP_NET Vaults In Preview

Earn yield on your Bitcoin.

Choose between KeyBay’s flagship Bitcoin Yield Vault and a more concentrated BTC L1 Alpha Vault on OP_NET. Overcollateralized design. Third-party audits in progress. Bitcoin L1 settlement. No bridges.

0.00 BTC Total Value Locked
4 – 10% Target Yield
2 OP_NET Vaults
Bitcoin L1 Settlement
Live now on ₿ BTC L1 OP_NET Arkade later
Launch App Try Demo Read the Docs
How It Works

Three steps. That’s it.

1

Deposit BTC

Connect your wallet and deposit Bitcoin into the yield vault. No minimum. Your BTC settles directly on Bitcoin mainnet.

2

Earn Yield

Institutional carry strategies generate 4–10% BTC-denominated returns. You always see your position in BTC, never in internal tokens.

3

Withdraw Anytime

Request a withdrawal and receive your BTC plus accrued yield. OP_NET preview vaults run with a 30-day rolling lock. Arkade instant settlement follows in a later rollout.

Security by Design

Built for peace of mind.

Every design decision starts with “what could go wrong?” We build for the worst case so you don’t have to think about it.

150%+ Overcollateralized

Every vault position is overcollateralized. Delta exposure capped at 0.24. Drawdown-first risk framework across all strategies.

Audited Smart Contracts

All vault and token contracts undergo third-party security audits. Bug bounty program for ongoing vulnerability disclosure.

Bitcoin L1 Only

Your BTC never leaves Bitcoin. No bridges, no wrapping, no synthetic tokens. OP_NET and Arkade both settle to Bitcoin mainnet.

On-Chain Reserve Proof

Vault reserves are verifiable on-chain via the ReserveProof contract. You can independently verify that deposits are backed.

Self-Custodial Exit

Arkade vaults guarantee unilateral exit to Bitcoin L1. Even if KeyBay goes offline, you can always recover your BTC.

Read Our Security Framework Risk Disclosures
Vault Products

Two OP_NET vaults now. Arkade expansion next.

The flagship vault is the default entry point for most depositors. The BTC L1 Alpha Vault is the tighter, more concentrated mandate for advanced Bitcoin-native capital.

OP_NET Advanced

BTC L1 Alpha Vault

Best for advanced users seeking concentrated BTC L1 exposure.

A more concentrated BTC L1-only mandate on OP_NET for higher-conviction capital. Built for users who want deeper Bitcoin-native exposure with a tighter product focus.

Vault 1 of 2 BTC L1 only 30-day lock
OP_NET Flagship

Bitcoin Yield Vault

Best for most depositors starting with KeyBay.

Default allocation path

The flagship BTC yield vault already in market. Broad Bitcoin yield exposure, BTC-denominated accounting, and the standard KeyBay entry point on OP_NET.

2 vaults Core BTC yield BTC L1 settlement
Arkade Coming soon

Future Protocol Rollout

Arkade remains on the roadmap as the next protocol expansion. It is no longer the primary product split on KeyBay today.

Phase 2 Protocol expansion Timing TBD
Build on KeyBay

Integrate yield infrastructure in five lines.

Full TypeScript SDK for vault operations, credit, and OTC. Programmatic API access for agents via HTTP 402. No accounts, no OAuth.

TypeScript 
import { KeyBay } from "@keybay/sdk";

const kb = new KeyBay({ apiBaseUrl: "https://api.keybaycapital.com" });
const summary = await kb.vault.getSummary();
console.log(summary.tvlBtc, summary.apyLabel);
Vault API Deposit, withdraw, and query positions via typed SDK methods
Credit API Open credit vaults, manage collateral, and repay loans programmatically
Agent Access HTTP 402 paywall with s402 today and additional payment rails in progress
Read the Docs Agent API Reference
Ecosystem

Building on Bitcoin’s best infrastructure.

WASM smart contract execution on Bitcoin L1. Powers KeyBay’s yield vault and KBY token with epoch-based settlement to mainnet.
Building on OP_NET Bitcoin L1 Smart Contracts
BTC-on-BTC yield directly on Bitcoin L1. Vault logic executes on OP_NET while settlement stays anchored to mainnet.
Building on OP_NET BTC Yield on L1
Instant offchain execution with self-custodial exit to Bitcoin L1. Arkade is KeyBay’s planned next protocol expansion after the initial OP_NET vault lineup.
Building on Arkade Ark Labs Execution Layer
Stablecoin rails may follow later protocol expansions once Arkade infrastructure is ready. Launch timing remains dependent on external integration readiness.
Building with Tether Planned Stablecoin Rail

OP_NET

Bitcoin L1 smart contracts

Smart contract execution on Bitcoin L1. Powers KeyBay’s yield vault and KBY token.

Launch platform

Ark Labs

Arkade execution layer

Instant settlement with self-custodial exit. Planned as KeyBay’s next protocol expansion after OP_NET.

Integration in progress

Tether

Native USDT on Arkade

USDT issued natively on Arkade. A potential future rail once Arkade expansion is live.

Coming soon

Motoswap

OP_NET decentralized exchange

Trustless KBY trading on OP_NET. On-chain order book.

Launch exchange

OP_NET Wallet

OP_20 token wallet

Hold, send, and manage KBY directly with native OP_20 support.

Launch wallet

Breez SDK

Payment infrastructure

Self-custodial Lightning payments for Arkade vault deposits.

Coming soon

Boltz

Cross-layer atomic swaps

Non-custodial swaps between Lightning, Liquid, and Arkade.

Coming soon

BullBitcoin

Wallet distribution

Non-custodial exchange. Vault positions holdable as Arkade Assets.

Coming soon

Bitcoin Core

L1 node infrastructure

Direct bitcoind RPC for deposit verification and on-chain settlement.

KBY Token — Client Access

Hold KBY. Pay less. Access more.

Your KBY balance determines your tier. Higher tiers unlock lower vault fees, better credit terms, and premium API access.

Public 2.00% fee
Member 1.75% fee · 2.5K KBY
Preferred 1.50% fee · 25K KBY
Private 1.00% fee · 125K KBY
Institutional 0.75% fee · 500K KBY
Learn About KBY View All Tiers
FUTURE PRODUCTS

Coming to KeyBay

Arkade Expansion PHASE 2 — Q2 2026
Powered by Ark Labs
Phase 2 — Future Protocol Rollout

Arkade remains on the roadmap as a future KeyBay protocol rollout. Expected benefits include instant offchain execution with unilateral exit to Bitcoin L1 once integration readiness is met.

KeyBay Lightning COMING SOON
Powered by Lightspark Spark
Instant Bitcoin Deposits & Withdrawals

Fund your KeyBay yield account in seconds via Lightning Network. Zero fees. Self-custodial. Powered by Spark — the Bitcoin L2 trusted by Coinbase, Tether, and SoFi.

KeyBay Stablecoin Vaults COMING SOON
Powered by Tether WDK
Earn Yield in USDT & Gold on Bitcoin

Yield vaults in USDT and XAUT (tokenized gold). Full self-custody. Zero gas fees. AI-optimized via Tether QVAC. Powered by Tether WDK.

KeyBay Bridge COMING SOON
Powered by Garden Finance
Cross-Chain Yield Deployment

Deploy your BTC yield across Ethereum, Solana, Arbitrum, and Base in 30 seconds. Trustless atomic swaps. Zero slippage. Powered by Garden Finance.

KeyBay PayPal Gateway COMING SOON
Powered by PayPal PYUSD
From PayPal to Bitcoin Yield in One Click

Connect your PayPal account. Deposit PYUSD. Earn Bitcoin yield. Withdraw back to PayPal in 70+ countries. Powered by PYUSD.

KeyBay Agent Router COMING SOON
Powered by LI.FI Protocol
AI-Powered Yield Optimization

Your yield, intelligently routed across 30+ chains. AI agents discover and deploy to the best opportunities automatically. Powered by LI.FI.

KeyBay Institutional COMING SOON | ARC MAINNET
Powered by Circle Arc
Enterprise-Grade USDC Settlement

Predictable dollar fees. Instant finality. Built for institutions on Circle Arc. Launching with Arc mainnet.

KeyBay Fiat Gateway COMING SOON
Powered by Magnolia Financial
Deposit USD, Earn Bitcoin Yield

Fund your vault directly from your bank account. ACH deposits, instant conversions, and trustless DLC price oracles for liquidation-free lending. Powered by Magnolia Financial.

KeyBay KeyBay Capital Bitcoin L1 Yield

Dashboard

Connecting
Total Vault Balance $0.00
0.00000000 BTC Observed BTC
+0.0003 BTC this epoch
Available
0.00000000 BTC
In Escrow
0.00000000 BTC
In Transit
0.00000000 BTC
Live OP_NET mainnet is live. On-chain settlement active.
Vault Balance 0.00000000 ≈ $0.00
Yield Rate 1.0000 BTC per share
Collateral Ratio — Awaiting data Healthy
Vault TVL — — BTC
Recent Transactions Awaiting connection
Date Type Amount User Status
Waiting No custody activity yet 0.00000000 BTC KeyBay

Strategy Sleeve Breakdown

Basis Carry5.8% APY
40% allocation
OC Lending4.2% APY
28% allocation
Options Carry9.5% APY
32% allocation

BTC Accumulation (Last 7 Epochs)

7 epochs ago Current
Selected Vault

OP_NET Bitcoin Yield Vault

Target net band 4 - 10%

The flagship Bitcoin yield vault on OP_NET. Standard KeyBay BTC-denominated yield exposure with BTC L1 settlement.

0 depositors 0 pending intents 30 day rolling
Custody —
Watcher —
Pool —
Confirm —
Bitcoin Core —
Lightning —
THORChain —
Arkade Coming soon

Vaults

Choose the flagship OP_NET vault for broad Bitcoin yield, or the BTC L1 Alpha Vault for a more concentrated mandate. Arkade remains a later protocol rollout.

No wallet connected

Vault

Pick the default flagship vault or the more concentrated BTC L1 mandate. Both settle on Bitcoin L1 through separate OP_NET vault instances.

Your Position

Balance 0.00000000 BTC
Yield 0.00000000 BTC
Blocks 0
Status No position

Deposit Bitcoin

OP_NET Bitcoin Yield Vault
Official domain keybaycapital.com

Bookmark this page now — always verify the URL before connecting your wallet.

KeyBay will NEVER:
  • Ask for your seed phrase or private key
  • Ask you to send funds to “verify” your wallet
  • Contact you via Telegram, Discord, or DMs
  • Send urgent “action required” emails

If something feels wrong, stop and contact support@keybaycapital.com directly.

BTC mainnet deposit address allocated after validation.

NetworkBitcoin Mainnet (L1)
AssetBTC
MinimumNo minimum
Confirmations2 blocks (~20 min)
CreditAfter confirmation + ops review
Sandbox Test vault — no real BTC required
BTC

Connect a wallet to deposit into the vault.

No active checkout. Deposit above to begin.

Manual Custody Rail

Institutional deposit intake. Requires a connected wallet for ownership verification.

Connect your wallet, then fill in entity details to request a manual custody rail.

Activity

Lock 23d 14h until available
Vault Deposit Activity Loading
Date Type Amount User Status
Loading Fetching activity -- --

Credit Engine

Gated Preview Review Required

BTC-collateralized stablecoin credit facility. Conservative risk parameters. Applications reviewed on a gated basis.

Your Vaults

No credit vaults. Apply to open one.

Facility Terms

Max LTV 40%
Liquidation 50%
Interest 6 – 8% APR
Penalty 15%

How It Works

  • Deposit BTC as collateral into a dedicated vault
  • Borrow stablecoins (USDC/USDT) against your BTC
  • Maximum loan-to-value ratio: 40%
  • Margin call issued if LTV exceeds 40%
  • Liquidation triggered at 50% LTV
  • Repay debt at any time to reduce LTV
  • Full repayment closes the vault and releases collateral

New Credit Vault

USDT ⚡
BTC
Max LTV 40%
Liquidation 50%
Borrow APR 8.00%
LTV: 0% Max 40% · Liq 50%
40%
50%
USDC

Gated preview — applications reviewed in 4–24 hours. BTC collateral deposit address assigned after approval.

Cross-Protocol Desk

Gated Preview

Move BTC between OP_NET and Arkade without L1 settlement. The only cross-protocol desk on Bitcoin.

Protocol Status

Request Quote

Swap History

Connect your wallet to view swap history.

KBY Token

Connect your wallet to view your KBY tier

Your KBY balance determines your vault fees, borrow APR, and API access level.