> For the complete documentation index, see [llms.txt](https://docs.mammoth.ac/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.mammoth.ac/mammoth-algorithmic-vaults-institutional-grade-quantitative-yield/structured-fixed-term-vaults.md).

# Structured Fixed-Term Vaults

For long-term capital efficiency, the Fixed-Term Vaults offer prioritized strategy allocation and higher yield premiums in exchange for committed liquidity.

* **Operational Rule:** Early redemption is not supported. Interest follows the **T+1 Accrual** model. Principal and returns are available for withdrawal by 24:00 UTC the day after the term expires.
* **Tiered Offerings:**

<table><thead><tr><th>Term</th><th>Target APY</th><th width="162.74072265625">Capacity Cap</th><th>Strategy Profile</th></tr></thead><tbody><tr><td>30 Days</td><td>6.5%</td><td>2,000,000 USDT</td><td>Conservative Growth</td></tr><tr><td>60 Days</td><td>7.5%</td><td>2,000,000 USDT</td><td>Balanced Alpha</td></tr><tr><td>90 Days</td><td>10%</td><td>4,000,000 USDT</td><td>High-Efficiency Prime</td></tr><tr><td>120 Days</td><td>10.5%</td><td>5,000,000 USDT</td><td>Premium Yield Engine</td></tr></tbody></table>


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