Tokenized stock Earn vaults are live on WOOFi

TL;DR: WOOFi has opened the first Earn vaults for tokenized stocks. You can now deposit NVDAB (tokenized NVIDIA) and SPCXB (tokenized SpaceX) on BNB Chain and earn yield paid in the same stock token, while keeping your exposure to the share price.

People buy stocks for one basic reason: to make their money grow faster than inflation eats it. That growth comes from two places, the share price rising and dividends being paid, and it works best when both are left alone to compound for years.

Tokenized stocks already changed how you hold that position. You can trade around the clock, from your own wallet, with no broker and no account application. WOOFi's new Earn vaults add something a brokerage account never had: a third source of return, stacked on top of the first two and compounding with them.

What are WOOFi's tokenized stock vaults?

A tokenized stock vault is a smart contract that takes your stock tokens, lends them to WOOFi's market maker, and passes the interest back to you in the same token. You deposit NVDAB and your balance grows in NVDAB. You deposit SPCXB and your balance grows in SPCXB.

Both tokens are bStocks, tokenized shares issued by Binance-affiliated entity BTech Holdings Limited and backed 1:1 by real shares held by regulated custodians. Our explainer What are bStocks? covers the details.

Three layers of compounding

A stock token in a WOOFi vault compounds in three ways at once:

• Share price growth. Your deposit stays in NVDAB or SPCXB, so it rises with the company.
• Dividends, built in. When the underlying share pays a dividend, bStocks apply it onchain to the token automatically. There is nothing to claim and no cash left sitting idle.
• Vault yield. The vault pays you more of the same token for lending it out, and adds that yield to your position automatically.

Each layer feeds the next. The yield you earn is paid in stock, so it earns price growth and dividends too, and then earns yield of its own. This is the first time tokenized stocks on WOOFi can do all three.

The vaults at a glance

Assets	NVDAB (NVIDIA), SPCXB (SpaceX)
Network	BNB Chain
Yield paid in	The token you deposit
Yield source	Borrowing interest from WOOFi's market maker
Compounding	Automatic, on top of price growth and dividends
Where	woofi.com/earn

How do the vaults work?

WOOFi runs a PropAMM, an onchain market maker that quotes prices from live market data instead of from the balance of a pool. To fill your swap from USDT into NVDAB, it needs NVDAB on hand. The vaults are where that inventory comes from.

1. You deposit. Your tokens go into the vault and you receive a share of it.
2. WOOFi borrows. The WOOFi liquidity pool is the only address allowed to borrow from the vault. It can borrow up to 90% of the assets and uses them to fill swaps.
3. Interest flows back. The pool pays borrowing interest to the vault. That interest is added to the vault, so each share is worth more tokens over time. There is nothing to claim or restake.
4. You withdraw when you want. Request a withdrawal at any time. The weekly settlement cutoff is 0:00 UTC on Monday, and your tokens are available the following day, Tuesday. The vault also keeps 10% of its assets aside for instant withdrawals, which carry a 0.3% fee.

You stay exposed to the stock the whole time. If NVIDIA goes up, your NVDAB is worth more, and you have more NVDAB than you started with.

What yield can you expect?

The vaults are expected to pay between 4% and 9% a year. The yield is paid in the stock token you deposit and compounds automatically.

The rate moves with supply and demand. A new vault starts at around 6%. It goes down as more deposits come in, and up as trading volume grows. The live rate for each vault is on the Earn page.

How to get NVDAB or SPCXB and deposit

1. Connect your wallet at woofi.com/stocks and switch to BNB Chain. Keep a small amount of BNB for gas.
2. Swap USDT or BNB into NVDAB or SPCXB.
3. Open woofi.com/earn, pick the NVDAB or SPCXB vault, enter an amount, and deposit.

Already hold NVDAB or SPCXB in your wallet? Skip to step 3.

FAQ:

Can you earn yield on tokenized stocks?

Yes. NVDAB and SPCXB can be deposited into WOOFi Earn vaults on BNB Chain, where they earn interest paid in the same token. The interest comes from WOOFi's market maker borrowing the tokens to fill swaps.

Where does the yield come from?

It comes from borrowing interest. WOOFi's liquidity pool borrows stock tokens from the vault to quote trades, and pays the vault for them. It is not a token incentive or a reward programme.

Do I still own the stock exposure?

Yes. Your deposit stays denominated in NVDAB or SPCXB, so its value moves with the share price and still reflects dividends. The yield adds more of the same token on top, and that compounds too.

How do withdrawals work?

You can request a withdrawal at any time. Each week, the settlement cutoff is 0:00 UTC on Monday, and withdrawals requested before the cutoff are available the following day, Tuesday. A portion of each vault is kept aside for instant withdrawals, for a 0.3% fee.

Who can borrow from the vault?

Only WOOFi's own liquidity pool. The loan is not backed by collateral, so depositors are trusting WOOFi's market maker to manage and return the inventory, as it has done for WOOFi's crypto vaults.

What is next for WOOFi

NVDAB and SPCXB are the starting point. More tokenized stocks and ETFs are coming to WOOFi on more chains, and more Earn vaults will open alongside them.

Your deposits are what make that possible. Every token in a vault is inventory WOOFi can quote against, which means deeper markets, larger trades at a fair price, and room to list the next asset. Depositing earns you yield and helps WOOFi scale tokenized stock trading onchain.

Put your stocks to work at https://woofi.com/earn

Sources: vault assets from WOOFi's published yield endpoint, 12 November 2026. Vault mechanics and withdrawals from the WOOFi Earn documentation. Listed tokens from the swap support endpoint. bStocks backing from BNB Chain's bStocks introduction.