Grvt launches composable on-chain wealth platform

Grvt launched a composable on‑chain wealth platform that lets a single deposited balance earn yield, serve as trading collateral and access tokenized real‑world assets. The protocol reported total value locked of $111 million as of March 2026.

The company opened a mainnet alpha on Dec. 20, 2024. Growth accelerated after a $19 million Series A and the launch of a Rewards 2.0 points program on Sept. 23, 2025. Monthly perpetuals volume peaked at $51.1 billion in January 2026 and averaged about $38 billion over the most recent 30 days. Cumulative two‑way trading volume since Season 2 began exceeded $230 billion. Grvt said TVL rose roughly tenfold from about $10 million to $111 million and weekly active users surpassed 16,000 with a 67% weekly retention rate in March 2026.

The platform separates execution and settlement. Order matching runs off‑chain via a central limit order book engineered to process high throughput with low latency, while settlement, custody and margin management occur on‑chain through smart contracts on Grvt’s Prividium ZK Stack, an application chain anchored to Ethereum. Zero‑knowledge proofs are submitted to Ethereum to verify batches of transactions without revealing trade details. The design keeps order information private until finality and stores transaction data off‑chain in a Validium model, which improves performance and confidentiality but creates a dependency on the operator for data availability and transaction inclusion.

Grvt’s capital model is built on Unified Margin, where one deposited asset can simultaneously function as tradable collateral and a yield‑bearing balance. The yield architecture includes an Earn on Equity feature that currently pays up to about 11% on an activity‑tiered basis and is planned to move toward an automatic base yield. L1 Liquidity Expansion connects deposits to external DeFi protocols; Grvt integrated Aave in February 2026. A Prime Brokerage Lending marketplace uses an 80/20 structure where Grvt takes the senior share and traders post a 20% first‑loss tranche. Grvt Invest is a managed layer directing capital into delta‑neutral and curated real‑world asset strategies.

Grvt Invest launched a GLP vault in November 2025 that reached $24.97 million in assets under management within five months, reporting a 19.81% APY and a 12.69 Sharpe Ratio as of March 2026. The platform offers curated RWA bundles including a Balanced bundle targeting roughly 4.5% from senior AAA credit exposure and an Opportunistic bundle targeting around 11% from higher‑risk private credit. Minimum entry points start at $1; Grvt covers issuer minimums and applies retail caps based on lifetime trading volume.

The exchange uses a tiered maker/taker schedule with negative maker fees beginning at −0.01 basis points up to −0.3 bps and taker fees from 4.5 bps down to 2.4 bps. The platform implemented Retail Price Improvement orders that let selected market makers post tighter quotes accessible only to UI‑based retail traders and hidden from algorithmic APIs and public feeds.

Product work in 2026 is organized into four layers: Earn, Trade, Invest and Pay. Spot markets and TradFi perpetuals for equities, FX and commodities are live, and the platform has launched more than 80 RWA perpetual markets. Grvt plans additional DeFi integrations, the Prime Brokerage Lending marketplace and payment rails. The company expects a token generation event after Season 2 of its community rewards program ends on June 30, 2026. Community incentives account for 28% of a fixed one billion $GRVT supply, and the token will list on Grvt’s native spot market at the token event.

Regulatory exposure is a material consideration as the platform lists tokenized securities and expands into single‑stock perpetuals and other TradFi instruments, since access to securities can trigger jurisdictional and accreditation rules. Company management describes the platform as a unified venue designed to let trading, earning and investing operate from a single balance and to connect retail capital with institutional real‑world assets moving on‑chain.