Vaults

Twyne uses two types of vaults to separate roles:

The Credit Vault (shared)

This is where lenders deposit their assets to earn yield.

When you lend through the Credit Vault:

• Your assets earn interest like on any lending platform.
• You give up your borrowing power — it’s made available to others.
• In return, you earn extra yield from borrowers who use that credit.

You control your tokens, but can’t borrow while your credit is delegated.

Borrow Vaults (per user)

Every borrower on Twyne gets their own isolated Borrow Vault.

When you borrow:

• You deposit your collateral.
• You borrow assets from the Credit Vault
• Your vault tracks your position and handles your risk separately from others.

This setup keeps borrower risks isolated and lets Twyne manage who gets access to delegated credit.

Summary

• Lenders use the Credit Vault to earn boosted yield by giving up borrowing rights.
• Borrowers use their own vaults to borrow more by tapping into shared, unused credit.