Touchstone XAUTV2
A Morpho V2 vault on Ethereum that lends out XAUt deposits, curated by Touchstone. Depositors earn 1.44% a year right now after a 0% performance fee.
Data from Morpho's API · updated
Net APY
1.44%
after fees, paid to depositors
30-day APY
0.75%
7-day 0.86%
Deposits
$7.4K
1.72 XAUt
Withdrawable now
$4.0K
55% of deposits
Performance fee
0%
of the interest earned
Depositors
8
largest holds 58.3%
Touchstone XAUT APY history
Net APY earned each day, measured from the vault's share price
| Day | Deposits | Net APY |
|---|
Deposits over time
Where the money goes
The markets this vault lends to right now, largest first
| Market | Lent | Share |
|---|---|---|
| XAUE / XAUtLLTV 77% | $7.4K | 100.0% |
The curator decides which markets the vault may use and how much it may put in each (the cap). Allocators then move money between those markets within the caps. How vaults work.
What the loans are backed by
Share of this vault's lending by the collateral borrowers put up
| XAUE | 100.0% |
|---|
Returns over time
Net APY actually earned over each period, from the share price
| Last day | 1.70% |
|---|---|
| Last 7 days | 0.86% |
| Last 30 days | 0.75% |
| Since the vault started | 0.65% |
Who controls this vault
| Curator | Touchstone |
|---|---|
| Owner | 0xAd43…94674-of-6 multisig |
| Timelock to raise a cap | 3 dayswait before more can go into a market |
| Timelock to add an adapter | 3 dayswait before a new kind of investment |
| Timelock to raise fees | None |
| Allocators | 1addresses that move money between markets |
| Sentinels | 0can pull money back or cut caps in an emergency |
| Created | July 1, 2026 |
Timelocks give depositors time to leave before a change they dislike takes effect. Morpho risks explained.
Details
| Deposit asset | XAUtprice $4.3K |
|---|---|
| Vault version | Morpho Vault V2 |
| APY before fees | 1.44% |
| Vault contract | 0x98B1…c443 |
| XAUt token | 0x6874…2F38 |
| Network | Ethereum |
The curator's description: "The Touchstone XAUT vault supplies Tether Gold XAUT liquidity to a Morpho market collateralized by XAUE a tokenized gold fund whose net asset value is denominated in XAUT."
Largest depositors
8 addresses hold shares in this vault
| Address | Deposit | Share of vault |
|---|---|---|
| 0x0000…dEaD | $4.3K | 58.3% |
| 0x018d…8539 | $1.6K | 21.9% |
| 0x33BA…dE42 | $926 | 12.6% |
| 0x6D57…4D04 | $488 | 6.6% |
| 0x19cc…0825 | $39.00 | 0.5% |
| 0xfB52…51C7 | $9.00 | 0.1% |
| 0xD6Cb…6F9d | $1.00 | 0.0% |
| 0x150c…0590 | $0 | 0.0% |
When a few addresses hold most of a vault, one large withdrawal can use up the liquidity that is free right now.
About Touchstone XAUT
Touchstone XAUT is a Morpho V2 vault on Ethereum, created on July 1, 2026. It takes XAUt deposits and lends them to borrowers in 1 Morpho market. The curator, Touchstone, decides which markets it may use and how much can go into each.
It holds $7.4K (1.72 XAUt) from 8 depositors and pays a net APY of 1.44% after its 0% performance fee. Over the last 30 days depositors actually earned 0.75% a year.
Its largest position is XAUE / XAUt at 100% of what it lends. Counting every market, its loans are backed mainly by XAUE (100%). 55% of deposits could be withdrawn right now.
Risky changes, such as adding a market, wait behind a 3-day timelock on raising caps, which gives depositors time to leave first. The owner is a 4-of-6 multisig wallet. Morpho's app shows no warnings for this vault.
Touchstone XAUT: quick answers
What is the APY of Touchstone XAUT on Ethereum?
Touchstone XAUT pays 1.44% net APY right now, after its fees. Measured from the growth of its share price, it paid 0.75% over the last 30 days. The rate changes every day with what its borrowers pay.
What does Touchstone XAUT lend against?
It lends XAUt through 1 Morpho market. The biggest is XAUE / XAUt with 100% of its lending. Overall its loans are backed mainly by XAUE (100%).
Can I withdraw from Touchstone XAUT right now?
About $4.0K of its $7.4K in deposits (55%) could be withdrawn immediately. The rest is lent out and frees up as borrowers repay or as higher rates bring in new lenders.
Who runs Touchstone XAUT and what does it charge?
Touchstone curates it. It keeps 0% of the interest earned as a performance fee. The net APY shown is after these fees.
What are the risks of Touchstone XAUT?
Like every Morpho vault, it can lose money if a borrower's collateral crashes faster than it can be liquidated, if a price oracle fails, or through a smart contract bug. Withdrawals can wait when its markets are fully borrowed. Changes to it wait behind a 3-day timelock on raising caps. This is not advice.
