KeyBay Capital
Bitcoin L1 Yield
Your KBY balance determines your relationship tier with KeyBay Capital. Higher tiers unlock lower vault fees, better borrow rates, premium API access, and institutional services. No staking required — your wallet balance determines your tier.
Tier is determined by the KBY balance in your linked wallet at the time of each vault or credit operation.
The on-chain tierOf(address) function reads your balance — no snapshots, no averages.
Inspired by JPMorgan's Private Client tiers. Your token balance is your relationship level.
| Tier | KBY Required | Vault Fee | Borrow APR | API Access |
|---|
See how much you save by holding KBY based on your vault deposits.
KeyBay generates revenue from multiple streams. KBY holders benefit from every one.
| Revenue Stream | Source | KBY Impact |
|---|---|---|
| Vault Management Fees | 0.75%–2.00% annual on AUM | Tier discount = direct savings |
| Borrow Interest | 6.00%–8.00% APR on credit | APR discount for Tier 2+ |
| s402 API Payments | Pay-per-call premium data | Fee burns reduce supply |
| Liquidation Penalties | 5% on under-collateralized loans | 25% of penalty revenue to buyback |
10,000,000 KBY minted once at deployment. No additional minting function exists. Supply can only decrease via burns.
Hold KBY in your wallet to qualify for your tier. Your balance is read on-chain via tierOf() at each operation.
KBY provides fee discounts proportional to your tier. Use the calculator above to model your scenario.
KBY is an OP_20 token on Bitcoin L1 via OP_NET. No bridges, no wrapped tokens, no Layer 2 counterparty risk.
KBY is a utility token for platform access and fee tiering. It is not a security, investment contract, share, or promise of returns.
No guarantee of value. The value of KBY tokens may fluctuate and may go to zero. Past or projected fee savings do not guarantee future results.
Smart contract risk. Token functionality is dependent on smart contract code which may contain vulnerabilities.
Regulatory status. Digital asset regulations vary by jurisdiction. KBY may not be available in all jurisdictions.
Not investment advice. Nothing on this page constitutes financial, investment, legal, or tax advice.