Last updated: 27 March 2026

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, but the name does not immediately explain what they do. In short, Vaults let you earn interest on uninvested cash through low-risk Money Market Funds. Here is everything you need to know, including how they work, current rates, risks and how they compare to a savings account.

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