Quickstart
Deposit into a vault, withdraw, and stake $VLT in three short walkthroughs.
This page walks through the three flows every user touches: depositing into a vault, withdrawing, and staking $VLT for a share of epoch rewards.
Not available to US persons
xStocks are not offered to US persons or residents of jurisdictions restricted by Backed Finance. The xVault dapp geofences these regions. See Compliance.
Prerequisites
- A Solana wallet (Phantom, Solflare, Backpack).
- USDC on Solana for deposits; SOL for transaction fees.
- For staking:
$VLTheld in the same wallet. Get$VLTon Pump.fun — the official mint is7xChXw8fyaz8FSEm2dwXcnR1kYbQMTtYayJ9Mm4Fpump.
Deposit into a vault
Pick a vault
Open the xVault dapp, connect your wallet, and choose one of the curated SKUs:
| Vault | Ticker | Theme |
|---|---|---|
| Mag 7 | vMAG7 | Equal-weight mega-cap tech |
| Semis | vCHIP | Market-cap-weighted semis |
| Dividend | vDIV | Equal-weight dividend payers |
| SPY-Lite | vSPY | SPYx with a 5% USDC buffer |
Each card shows live NAV, the composition donut, and proof-of-reserves badges. See Vault lineup for details.
Enter an amount and submit
Enter the USDC amount you want to deposit. The dapp previews the share amount you will receive using the current on-chain NAV snapshot. Confirm the transaction in your wallet.
The program:
- Transfers your USDC into the vault's cash buffer.
- Reads the latest NAV from the
oraclePDA. - Mints a pro-rata amount of vault shares to your ATA, guarded by your
min_shares_outslippage.
Keeper buys the basket
A keeper sees the deposit event, requests an xChange RFQ during market hours (or a Jupiter quote off-hours), co-signs the trade, and submits rebalance_leg to book the execution. Your share balance is already live; the underlying basket just rebalances into it.
Withdraw
Choose a withdrawal mode
- In-kind: burn shares and receive raw xStock amounts pro-rata. No slippage, but you own the individual legs afterwards.
- USDC: burn shares and receive USDC. The keeper sells xStocks as needed, bounded by your
max_slip_bps(default 1%, overridable up to 5%). A 0.05% withdrawal fee applies.
Confirm the transaction
The dapp shows the estimated USDC-out (or the in-kind basket) and the applicable fee. On submit the program burns your shares atomically; for USDC withdrawals, the keeper rebalances behind the scenes to top up the cash buffer.
Stake $VLT for epoch rewards
Open the staking page
Navigate to xvaultsol.com/stake. Balances and lockup tiers are shown per-wallet.
Pick a lockup
| Lockup | Reward weight | Who it suits |
|---|---|---|
| 30d | Pro-rata | Rotate in and out around catalysts |
| 90d | Pro-rata | Balanced passive exposure |
| 180d | Pro-rata | Long-term stakers maximizing time-weight |
All tiers use pro-rata time-weighted balance. There are no boost multipliers — lockup length only affects how long you're eligible.
Claim weekly
Each Sunday 00:00 UTC, the keeper:
- Sweeps Pump.fun trading fees into the treasury.
- Combines them with vault protocol revenue.
- Buys xStocks with the combined pool and publishes two Merkle trees: one for depositors, one for stakers.
You claim from xvaultsol.com/rewards with an inclusion proof. Unclaimed rewards roll into the next epoch — they are never forfeited.