Fluid

Supply stablecoins, WETH, or wstETH to Fluid lending vaults on Ethereum, Arbitrum, Base, Polygon, and Plasma.

Fluid (by Instadapp) runs lending vaults that pay interest from borrower demand. You deposit an asset and receive an ERC-4626 share token, f-prefixed, whose redemption value rises as interest accrues.

Availability

Network	Representative input tokens	Share token
Ethereum	USDC, USDT, GHO, USDtb, sUSDS, wstETH, WETH	f + input symbol, for example fUSDC
Arbitrum	USDC, USDT, GHO, sUSDS, wstETH, ARB, WETH	same pattern
Base	USDC, GHO, sUSDS, wstETH, EURC, WETH	same pattern
Polygon	USDC, USDT, wstETH, AUSD, WPOL, WETH	same pattern
Plasma	USDe, USDT0, WETH	same pattern

Query GET /v1/yields?providers=fluid for the live list per network; do not assume every token above has a vault on every network.

Entering

You approve the input token and deposit it; the vault mints fToken shares in return. On Ethereum, Arbitrum, and Base, the WETH vault also accepts native ETH: pass no inputToken (or the native symbol) and yield.xyz wraps it before depositing. The Polygon and Plasma WETH vaults only accept the ERC-20 token, since neither network’s native gas asset wraps to the vault’s input token.

Exiting

Exits are instant: no cooldown or withdrawal queue. Request an exit with amount, shareAmount/shareAmountRaw, or useMaxAmount for a full exit. The Ethereum, Arbitrum, and Base WETH vaults unwrap the redeemed WETH back to native ETH as a follow-up transaction.

Rewards and position

Interest accrues automatically into the share price; there is no manual claim step. Select vaults also list an additional incentive token in their reward metadata (FLUID on most networks, plus ARB on some Arbitrum vaults and WPOL on some Polygon vaults). No Fluid vault exposes a manual CLAIM_REWARDS action; every vault’s rewardClaiming is auto.

Next steps

Lending

Compare Fluid against other lending integrations.

Action lifecycle

How enter and exit actions are signed and submitted.