Last updated: 7 October 2026
By Stiv · Design, technology and personal finance
Not financial advice. This article is for information only and does not constitute financial advice. It also contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
If you have been looking at Lightyear and wondering what Lightyear Vaults actually are, you are not alone. Vaults are one of the platform's standout features, yet the name does not immediately explain what they do. In short, Lightyear Vaults let you earn interest on cash through low-risk money market funds. So, here is a clear guide to how they work, the current rates by currency, the fees, the risks, and how they compare to a savings account.
Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.
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