VaultFlow is a no-code treasury platform for EU SMEs.

How it works:

1. Businesses deposit EURC.

2. An autonomous agent rebalances across Kamino,

3. Drift & Raydium to maximize yield.

4. No DeFi expertise needed

Pain point:

A dead capital issue with EU SMEs holding €40k+ in idle stablecoins between invoice & payroll cycles. That is approx. €3k/yr lost every year.

Solution:

Solana smart contracts + rebalancing agent + Circle SEPA on/off-ramp with auto-deposit into yield vaults

Business Model:

0.3% management fee on AUM - incurred only on yield earned, not money deployed.

€500M AUM = €1.5M ARR (10k customers × €50k avg.)