Flash Loans & Yield
on Cardano
Deposit ADA into a non-custodial vault. Earn from flash loan fees and ADA staking, governed by an AI council — all on-chain, fully transparent.
You keep custody. You can withdraw anytime.
Est. APY
ADA in Vault
Flash Loan Fee
Governed · On-chain
Your Funds, Your Control
ADA Harvest is non-custodial and open source. We don't hold your funds — a PlutusV3 smart contract does, and you can verify everything on-chain.
Non-Custodial
Your ADA is held by a smart contract on Cardano mainnet, not by us. You receive hvADA tokens representing your share and can withdraw any time by burning them — directly through the contract.
Open Source
The Aiken smart contracts, backend, and frontend are all public. Read the code, compile the validator yourself, and verify the on-chain script hash.
View source codeOn-Chain Admin Guards
Every privileged operation — rebalance, fee withdrawal, protocol whitelist, shutdown — requires a signature from an admin wallet listed in the vault datum. This is enforced by the Plutus validator, not by our backend.
Atomic Flash Loans
Flash loan borrowers must return principal + fee in the same transaction. If they don't, the Plutus validator rejects the whole transaction — there is no way to take vault funds without repaying.
Rebalance Cap
When the vault deploys funds to a protocol, no single rebalance can move more than 20% of total deposits — enforced on-chain to limit concentration risk.
No Lock Periods
There are no lock periods or withdrawal penalties. Burn your hvADA for ADA plus accumulated earnings whenever you want.
Don't Trust, Verify
Everything is on-chain. Verify the vault and read the source yourself.
Vault Contract
Live on mainnet
Source Code
Audit it yourself
Not yet independently audited
The contracts have not undergone a third-party security audit. They are open source and we encourage you to review them. Only deposit what you're comfortable with at this stage. Returns are not guaranteed.
How ADA Harvest Works
A Cardano smart contract vault governed by an AI council. Your ADA earns from three sources simultaneously.
Flash Loan Fees
Arbitrageurs and liquidators borrow ADA from the vault for a single transaction. They repay principal + fee (currently 0.50%) or the Plutus contract rejects the tx. Every loan increases your vault token value.
ADA Staking
The vault is a base address delegated to the VIPER stake pool (0% margin). All vault ADA earns Cardano staking rewards while it sits in the contract.
DeFi Yield
As TVL grows, the AI council will deploy idle ADA to whitelisted protocols (Minswap, Liqwid). Not active yet — activates at meaningful scale.
For depositors: 4 steps
What the AI Council actually does
Five AI agents (Yield, Guardian, Liquidity, Staking, Ops) debate daily and vote on four real parameters: the flash loan fee rate, the maximum borrowable cap, and which DeFi protocol addresses are whitelisted for vault funds. Changes are logged on the /ai-council page. Every session is logged and visible on the dashboard.
What ADA Harvest Offers
A transparent, non-custodial vault on Cardano — flash loans, staking, and AI governance.
Flash Loans
Borrow ADA from the vault for one transaction — zero collateral, repayment enforced on-chain by Plutus V3. Built for arbitrage and liquidations.
Non-Custodial
Your ADA lives in a smart contract, not with us. Withdraw any time by burning your hvADA share tokens.
Fees on Profit Only
15% performance fee on profits. No deposit fees, no withdrawal fees, no management fees.
On-Chain Transparency
Every deposit, loan, and council session is verifiable on Cardanoscan and logged on the dashboard.
AI Council
Five AI agents meet daily and vote on the flash loan fee, borrow cap, and protocol whitelist. Every session is logged.
Works Anywhere
Connect any CIP-30 wallet — Lace, Eternl, Yoroi, Nami. Fully responsive on desktop and mobile.
Flash Loans — Cardano Native
Borrow ADA from the vault within a single transaction. Principal + fee must be repaid in the same tx — enforced by the Plutus smart contract, no trust required. 0.30% fee. Up to 50% of vault TVL per loan.
What's Live on Mainnet
No vaporware — only what actually runs today
Uncollateralised ADA loans enforced by PlutusV3. 0.50% fee. Fee revenue stays in vault.
Vault delegated to VIPER pool (0% margin). The vault's ADA earns Cardano staking rewards, collected and compounded back into the vault.
AI council will deploy idle ADA to Minswap and Liqwid once TVL reaches a meaningful threshold.
Flash Loans on Cardano
Borrow ADA from the vault within a single transaction. Repayment enforced by Plutus V3 — no trust, no custodian, no collateral.
import { FlashLoanClient } from 'ada-harvest-sdk';
const client = new FlashLoanClient('https://api.ada-harvest.com');
const terms = await client.getTerms();
const result = await client.buildAndSubmit({
terms,
amountLovelace: '50000000', // 50 ADA
borrowerAddress: myAddress,
lucid,
buildArbitrageTx: async (tx, loanedAda) => {
// your arbitrage logic here
return tx;
},
});
// fee collected automatically · repayment enforced on-chainLive Platform Data
Real numbers from Cardano mainnet — updated every 30 minutes
Got Questions?
Find answers to common questions about ADA Harvest
Is my ADA safe?
ADA Harvest is non-custodial — your funds are held in a PlutusV3 smart contract on Cardano mainnet, not by us. You can verify the contract code on GitHub and on-chain via Cardanoscan. You can withdraw at any time.
What are the fees?
15% performance fee on profits only. No deposit fees, no withdrawal fees, no management fees. You only pay when you earn.
What is the minimum deposit?
The minimum deposit is 10 ADA. There is no maximum limit, though the vault has a TVL cap of 5,000,000 ADA for security during early stages.
Can I withdraw anytime?
Yes. There are no lock periods. Burn your hvADA vault tokens for ADA + accumulated earnings at any time through the dashboard.
How does the vault earn right now?
Currently two revenue sources are active: (1) Flash loan fees — borrowers pay 0.50% per transaction, the fee stays in the vault. (2) ADA staking — the vault is now a base address delegated to the VIPER stake pool (0% margin, ~3.5% APY). DeFi protocol deployments (Minswap LP, Liqwid lending) are planned but not yet active.
What are flash loans?
Flash loans let arbitrageurs and liquidators borrow ADA from the vault within a single Cardano transaction — no collateral required. Repayment is enforced by the Plutus validator: if the borrower does not return principal + fee in the same transaction, the whole transaction is rejected by every node. ADA Harvest is among the first flash loan providers on Cardano.
What is hvADA?
hvADA is a native Cardano token you receive when you deposit. It represents your proportional share of the vault. As the vault earns fees and yield, each hvADA becomes redeemable for more ADA. To withdraw, burn hvADA back through the dashboard.
What does the AI council do?
Five AI agents (Yield, Guardian, Liquidity, Staking, Ops) meet daily and vote on governance parameters: the flash loan fee rate, the maximum borrowable cap, and which protocol addresses are whitelisted. The flash loan fee and cap take effect immediately — the next borrower pays the new rate. Stake-pool and protocol-whitelist changes are logged as decisions and applied on-chain by an admin transaction. Every session is recorded on the /ai-council page.
Can I verify the smart contract?
Yes. The Aiken source code is on GitHub at github.com/upggr/ada-harvest. The deployed vault is at addr1z9mhqtrnwpc76frp2xtgtfyt4lwzzdfwsye0uh335kycu4sgucktr6zta3rtuqlqam4395sry3vl5c7ss08m50qtnj6s5usxpa on Cardano mainnet.
What wallets are supported?
Any CIP-30 compatible wallet: Lace, Eternl, Nami, Yoroi, Flint, Typhon, and more. Connect via the dashboard — no seed phrase is ever requested.
Your ADA works while you sleep
Flash loan fees. ADA staking. DeFi yield as we grow. One vault, zero lock periods.