> For the complete documentation index, see [llms.txt](https://smartvaultsai.gitbook.io/smartvaultai-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://smartvaultsai.gitbook.io/smartvaultai-docs/vaults/vault-plans.md).

# Vault Plans

Structured Access to Strategy-Based Yield

SmartVaults.ai offers a set of predefined vault plans that allow participants to allocate capital into the protocol’s strategy system under clearly defined conditions.

Each vault is designed with a specific lock duration and corresponding target return profile, enabling structured participation based on individual time horizons and risk preferences.

***

### **Available Vault Plans**

Participants can choose between four vault options:

| **Plan** | **Lock Duration** | **Target Monthly Return** | **Approx. Annual Projection** | **One-Time Fee** |
| -------- | ----------------- | ------------------------- | ----------------------------- | ---------------- |
| Starter  | 1 Month           | 2%                        | 24%                           | $100             |
| Growth   | 3 Months          | 4%                        | 48%                           | $250             |
| Pro      | 6 Months          | 6%                        | 72%                           | $500             |
| Elite    | 12 Months         | 10%                       | 120%                          | $1000            |

Returns are **target projections**, not guaranteed outcomes.

***

### **How Vaults Work**

Each vault operates as a structured pool:

* Deposited USDT is locked for the selected duration
* Capital is deployed into the strategy system
* Returns are generated through protocol activity
* Funds remain active throughout the lock period

Vaults are designed to provide predictable structure, not guaranteed outcomes.

***

### **Return Structure**

Each plan includes a defined target monthly return based on:

* Historical simulations
* Recent market conditions
* Strategy performance assumptions

**Important:**

* Returns are **targets**, not guarantees
* Actual performance depends on market activity
* Results may vary over time

***

### **Example Calculation**

A simplified example:

* **Deposit:** $15,000
* **Plan:** Pro (6 months)
* **Target return:** 12% monthly

Estimated outcome:

* **Monthly gross:** $1,800
* **Total gross after 6 months:** $10,800

After protocol fees, the net result will be lower and depends on actual performance.

***

### **Lock Structure**

Each vault includes a fixed commitment period.

During this time:

* Capital remains allocated to the system
* Strategies continue to operate on the full amount
* Withdrawal of the principal is restricted until maturity

This structure allows the protocol to deploy capital efficiently without forced interruptions.

***

### **Early Exit Considerations**

If early exit options are implemented:

* Conditions may apply
* Fees or adjustments may be required
* Availability depends on system design and liquidity conditions

Details will be defined within the protocol logic.

***

### **Choosing the Right Plan**

Vault selection depends on:

* Desired time horizon
* Risk tolerance
* Capital allocation strategy

Longer lock durations are typically associated with higher target returns due to increased capital stability within the system.

***

### **Designed for Structured Participation**

Vault plans are built to:

* Simplify access to complex strategies
* Provide clear participation rules
* Align capital commitment with system efficiency

They serve as the primary interface between participants and the SmartVaults.ai strategy engine.