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How CuratorWatch evaluates and classifies vaults
The LP Return Calculator helps you find vaults that match your risk appetite and project earnings over time. You select a deposit amount, vault grade (High Grade or Other), and collateral type (Blue-Chip or All), then CuratorWatch filters the full vault set and ranks matches by current rate.
Advanced filters let you narrow by protocol (Morpho, Turtle, etc.), specific asset, curator, and APR range. Clicking a vault shows a 12-month growth chart, monthly payment schedule, and liquidity check comparing your deposit to vault TVL.
Projections use each vault's current net rate. Morpho vaults compound continuously (APY), while Turtle vaults pay periodically (APR). Actual returns will vary as rates change over time.
Every active vault receives a composite risk score from 0 to 100 and is checked against nine hard requirements. The number of requirements a vault fails determines its grade:
The nine hard requirements ensure only vaults with sufficient size, established curators, clean debt history, reasonable yields, and institutional-quality collateral earn the High Grade label.
| # | Requirement | Threshold |
|---|---|---|
| 1 | Vault TVL | >= $1 million |
| 2 | Curator has legal entity | entityType is not null |
| 3 | Curator operating time | >= 6 months |
| 4 | Curator total AUM | >= $10 million |
| 5 | Curator bad debt | Zero (any bad debt = disqualified) |
| 6 | Vault bad debt (liquidations) | Zero |
| 7 | APR / APY | <= 20% |
| 8 | Institutional collateral | >= 80% blue-chip assets |
| 9 | Vault age | >= 90 days (when data available) |
If any single requirement fails, the vault is classified as “Other” regardless of its score.
Larger vaults are harder to manipulate and signal market confidence.
Older vaults have survived more market conditions. Measured in days live.
The largest weight. Evaluates the entity managing the vault. Returns 0 if the curator has no legal entity or any bad debt.
Higher scores for vaults backed by institutional-grade assets. Three tiers of recognized collateral:
Two sub-checks: liquidation history (0-5) and APR sanity (0-5).
Grades are recalculated every time data is collected (hourly for snapshot data). As vault metrics change — TVL grows, curators add legal entities, bad debt events occur — vaults can gain or lose their High Grade status.
Assets recognized as “institutional grade” for collateral scoring and the calculator's Blue-Chip filter:
This list is maintained in the codebase and updated as the DeFi ecosystem evolves. Not all blue-chip assets are shown above — the full list includes additional wrapped, staked, and vault token variants.
Disclaimer
CuratorWatch grades are informational and do not constitute financial advice. “High Grade” reflects relative standing among tracked vaults based on publicly available on-chain data — it does not guarantee safety, returns, or solvency. Always do your own research before allocating capital.