Lido Earn: Competing on Trust — $5m Treasury Allocation

TL;DR

Lido Earn is designed with high security standards, DAO oversight, and transparency consistent with Lido’s approach. This proposal requests a “skin-in-the-game” $5m DAO treasury allocation into Lido Earn vaults. This aligns the DAO alongside depositors and enables a mandate-defined, onchain first-loss alignment mechanism for severe scenarios. The intent is to strengthen trust in Earn so it can scale sustainably over time.

Context

Vaults are an increasingly competitive, outcome-driven market. Durable advantage comes less from packaging yield and more from earning trust—especially when conditions change. Many returns exist because strategies take on real risk; what matters is whether risks are understood, bounded, and managed with discipline.

Lido Earn builds on the practices behind Lido’s track record—rigorous security, careful strategy selection, and transparent oversight. The goal isn’t risk-free vaults, but credible alignment that supports confidence in drawdowns and helps Earn scale. The primary upside is Earn’s growth as a product; allocation returns are secondary.

Objectives

  • Support Earn growth: Reduce trust friction for new depositors and strengthen retention under stress by making alignment and incident posture verifiable onchain—so Earn can scale sustainably.
  • Visible DAO alignment: A public, measurable commitment where the DAO deposits alongside users, sharing the same upside and downside with transparent alignment.
  • Severe-scenario loss absorption: After confirmed incident triggers, some or all DAO-held shares in the affected vault may be burned (up to 100%) to raise remaining users’ share price, with losses absorbed through the DAO position.
  • Bounded, allocation-only authorization: No incentives or marketing—only vault allocations and necessary execution costs—approved as a one-time DAO authorization (not covered by EGG/GOOSE operations scope).

The Proposal

Summary

The allocation will be proposed by the Lido Earn Team and executed by the Growth Committee (“GC”) (funded via Easy Track), under DAO-defined controls and reporting.

  • Assets: $5m ($3m in wstETH, $2m in USDC)

  • Scope: Allocated to Lido Earn Vaults (see “Allocation scope”).

  • Use: Allocate capital and accrue rewards, first-loss cover in case of unforeseen events.

  • Economics: rewards compound inside the vault and are remitted to the Treasury only if needed as part of the annual budgeting process; deployment may be partial (see “Rewards & performance expectations”).

  • Controls (mandate-enforced): (see “Risk control")

    • 1% loss pause (per vault): on flagged ≥1% loss, halts further DAO Treasury allocation under this mandate;
    • First-loss: if a ≥1% loss is confirmed, DAO-held shares can be burnt (up to 100% for that vault) to socialize losses through the DAO position and raise the share price for remaining depositors. (See “Risk control: B First-loss mechanism”)
    • Escape hatch (material risk): on confirmed material risk, Lido Earn Team can trigger execution to de-risk/withdraw via normal mechanics (no preferential redemption);
    • Reporting: 7-days incidents report for above controls; quarterly reporting.
    • DAO Override / Return of fund: Via governance, DAO’s positions can be withdrawn via standard vault redemption (no preferential terms). The DAO can also terminate the mandate anytime.

Roles & responsibilities

  • Lido Earn Team (mandate owner) - sets allocation intent; selects actions after confirmed triggers; publishes updates.
  • Growth Committee (GC) (executor) - executes deposits/withdrawals/conversions and mandate actions.
  • Vault Curators (vault ops) - operate strategies; flag + jointly confirm triggers with evidence.
  • Infrastructure/Security service providers (signal-only) - escalate credible incidents; no fund-movement authority.
  • Lido DAO (oversight)- Can modify, pause, or terminate the authorization at any time via governance.

Rewards & performance expectations

  • Treasury allocations earn the same vault returns as any depositor, net of vault-level fees and execution costs (swap fees/gas) incurred to allocate/withdraw.
  • The Lido Earn Team’s product objective is to target competitive, risk-adjusted net yields. However, returns are variable, not guaranteed, and loss scenarios are possible.
  • Quarterly reporting will reflect rewards in their share price and any mandate actions.
  • To avoid quarterly operational burden and imporve capital efficiency for DAO, the yield will be compounded inside the vault and only remitted to the Treasury if needed as part of the annual budgeting process.

Implementation details

Authorize a $5m DAO Treasury allocation for deployment into Lido Earn Vaults, funded via Easy Track, and executed by the Growth Committee (GC), under this mandate.

1) Allocation size & assets

  • $5m total, allocated as:
    • $3m wstETH
    • $2m USDC
  • Amounts are measured at the time of execution using prevailing market rates.

The allocation may be deployed in tranches for risk and operational reasons. Undeployed balances may earn no vault yield.

2) Allocation scope

  • The allocation may only be deployed across upcoming Lido Earn ETH Vault and Lido Earn USD Vault under this mandate, subject to the same DAO constraints (allocation-only, reporting, loss pause, first-loss burn mechanics, and escape hatch).
  • Deposit-asset scope: limited to the ETH and USD vault deposit assets described in this proposal. Any allocation outside these two vaults requires explicit DAO approval.
  • First-loss execution readiness (mandatory): Allocation to the Lido Earn ETH and Lido Earn USD vaults may be executed even if the burn-function is not yet deployed. If a ≥1% loss is confirmed before the burn-function is available, GC executes an economically equivalent manual loss-absorption action per mandate instructions with incident disclosure. If/when the vaults are patched with the burn-function, GC will withdraw and re-deposit to activate technical execution via contractual functions.

3) Burn-readiness gating (allocation precondition)

  • Burn-ready means: (i) an onchain DAO-only share-burn function is deployed for the vault, (ii) the DAO’s vault shares are held by the GC execution address (the “DAO share-holding address”), and (iii) GC has the onchain permissions needed to execute a burn from that address.
  • Allocation may proceed into the ETH and USD vaults even if the burn-function is not yet deployed. If first-loss is triggered before the burn-function is available, GC executes an economically equivalent manual loss-absorption action per mandate instructions with incident disclosure. If/when the vaults are patched with the burn-function, GC will withdraw and re-deposit to activate technical execution via contractual functions.

Execution & controls

Operator

  • Executor: Growth Committee (GC) executes deposits/withdrawals/conversions, in line with this mandate and initiated by Lido Earn Team.
  • Vault Curators: monitor vault performance and valuation inputs and publish the evidence for trigger confirmation for 1% loss and material risk events (per-vault 1% loss; material risk).
  • Lido Earn Team: decides the response action once a trigger is confirmed (pause only / pause + burn / escape hatch) and publishes incident updates + quarterly reporting (with accounting + curator vault context). (see “Risk control” for triggers & actions.)
  • Following approval, the Lido Earn Team will implement and deploy the DAO-only share-burn function for the ETH and USD vaults and ensure GC has the required permissions to execute it. Allocation may proceed prior to deployment; GC will withdraw and re-deposit after the burn-function is deployed to activate technical execution via contractual functions.
  • DAO share-holding address: For this mandate, the DAO share-holding address is the GC-controlled execution address that receives Treasury assets via Easy Track and holds the resulting vault share tokens for allocations under this mandate.

Rewards

  • All net rewards (after vault-level fees and necessary execution costs) attributable to deployed amounts accrue to the DAO Treasury and accrue to the DAO Treasury and are retained for compounding; they are remitted only if needed as part of the annual budgeting process (quarterly reporting reflects share price appreciation and mandate actions).

  • See “Rewards & performance expectations” for how targets are framed and how realized results are reported.

Hard use restriction (allocation-only)

Treasury allocation assets may be used only for:

  • deposits/withdrawals into Earn vaults
  • conversions/swaps required solely to execute those allocations
  • necessary execution costs (e.g., swap fees and gas)

Treasury allocation assets may not be used for:

  • user incentives
  • marketing/grants/sponsorships
  • curator/partner incentives
  • operating expenses

Risk control

A) 1% deployed-capital loss pause (per vault; hard stop on new deposits)

If a ≥1% mark-to-market loss is suspected in an affected vault (measured using the vault’s standard valuation and a curator-documented cross-check), then:

  • any of the vault curators flags the suspected loss (with evidence + valuation basis);
  • GC pauses further DAO Treasury allocation deposits into the affected vault under this mandate (no additional deposits / no increases in exposure);
  • affected vaults curators (always include meta-vault) confirm whether the ≥1% loss is met and document the cross-checks used;
  • Lido Earn Team publishes an incident update within 7 days outlining drivers, confirmation status, and next steps. If mutaul confirmation is not reached within 7 days of the initial flag, the update must state pending/contested status and an expected timeline. Evidence disclosure is optional; sensitive details may be withheld. The deposit pause remains until joint confirmation or DAO override.

Clarification:

applies only to DAO Treasury allocation actions under this mandate; no impact on users/vault ops. Not an auto-redemption.

B) First-loss mechanism (share burn; mandate-enabled)

After a confirmed ≥1% loss, Lido Earn Team may instruct GC to socialize losses through the DAO allocation in the affected vault by burning DAO-held shares only:

  • affected vaults curators confirm/flag breach + provide evidence and valuation basis.
  • Lido Earn Team specifies burn amount/rationale (up to 100% DAO-held shares in that vault).
  • If the onchain burn-function is available and activated, GC burns DAO-held shares onchain. If not yet available, GC executes an economically equivalent manual loss-absorption action per mandate instructions with incident disclosure.
  • Allocation may occur before the burn-function is deployed; therefore first-loss must remain operationally executable (manual or onchain). Any inability to execute must be treated as an incident, disclosed, and accompanied by root-cause + remediation steps.
  • Burning reduces total shares outstanding, increasing remaining users’ share price (losses absorbed by the DAO position).

Clarifications:

  • The Lido Earn Team intends to implement DAO-share burn support for the ETH and USD vaults following approval. This implementation is not itself the subject of the DAO vote; it is a product/contract capability that, once available, may be used under this mandate.
  • Burn is irreversible, applies only to DAO-held shares, and does not create contractual senior/junior claims.
  • The burn decision must be documented in the incident update (execution may precede posting if time-sensitive).

C) Escape hatch (material risk; de-risk / withdraw, not burn)

If a material risk event is flagged (even if the 1% loss threshold has not been reached), then:

  • any vault curator may flag the event with supporting evidence;
  • upon a curator flag, this mandate triggers execution of GC pausing DAO Treasury allocation deposits into the affected vault under this mandate while confirmation is completed;
  • affected vaults curators mutually confirm whether it meets the material risk standard (documenting evidence + valuation basis);
  • in case of confirmation, Lido Earn Team may instruct GC to de-risk / withdraw DAO exposure using normal vault mechanics (no preferential redemption);
  • Lido Earn Team posts an incident update as soon as practicable (and within 7 days) covering status, actions, and next steps. If confirmation isn’t reached within 7 days, the update states pending/contested + expected timeline; the deposit pause remains until confirmation or DAO override.

Clarifications:

  • Material risk scope: events impacting safe operation, asset integrity, settlement/finality, legal permissibility, or critical dependencies.
  • Exclusion: underperformance/drawdowns/yield shortfalls alone don’t qualify—only if driven by a confirmed integrity/dependency failure, stated in the incident update.
  • First-loss interaction: escape hatch is for integrity/operability risk containment, not for avoiding loss socialization. If escape hatch is used before a confirmed ≥1% loss, the incident update must state (i) whether first-loss burn remains feasible, (ii) whether Lido Earn Team intends to pursue burn if ≥1% is later confirmed, and (iii) if not, why.

Reporting

Quarterly, the Lido Earn Team publishes (with GC-provided accounting and curator context):

  • allocation by vault (current positions)
  • % deployed vs undeployed (end-of-period)
  • net rewards remitted to Treasury vs total losses (if any)
  • any mandate actions taken (1% pause triggered; burn executed; escape hatch used), with links to incident updates
  • any burn-readiness onchain references per allocated vault (burn module/function reference, DAO share-holding address, and GC permission configuration), with transaction references

DAO governance override

  • Lido DAO may modify or terminate this authorization at any time.

    This mandate is subordinate to DAO governance. The DAO may modify, pause, or terminate this authorization at any time.

  • Default rule: When a mandate control is triggered (pause / escape hatch / first-loss), GC and the Lido Earn Team act per the process defined in Risk control.

  • DAO override: The DAO may explicitly override any mandate action (e.g., lift/extend a pause, require/forbid burn, require/forbid withdrawal) via governance. Such overrides are exceptional and should be understood as the DAO assuming reputational responsibility for the outcome relative to the mandate’s stated user-alignment intent.

  • Termination effect: On termination, GC must stop new allocations immediately and manage any unwind via normal vault mechanics (no preferential redemption), subject to available liquidity.

4 Likes

Hi, this is Dixon from the Lido Earn team.

After considering both internal and external feedback, I would like to amend a few points in the proposal text. The proposed changes are as follows:

  1. Both the first-loss and loss-pause controls have been adjusted to activate at a 1% loss threshold (down from 10%). This change is intended to protect depositors more proactively by making the mandate materially more sensitive to early losses.

  2. Yield on the ETH and USD vault tokens will be reflected in an increase in their share price and will be visible in the quarterly Lido Earn reports. To avoid quarterly operational burden and improve capital efficiency for the DAO, we propose retaining the yield for compounding and remitting it to the Treasury only if needed as part of the annual budgeting process.

  3. The requested $5M will be allocated exclusively to two upcoming vaults — Lido Earn ETH Vault and Lido Earn USD Vault — in portions of $3M and $2M USD equivalent in the corresponding tokens. Reallocation to any other vaults would require explicit DAO approval.

  4. As a clarification, the vault tokens received by the GC following allocation will remain held in the GC vault to ensure the escape hatch can be executed in a timely manner.


To reflect the above changes:

  1. To reflect the changes above, all references to a 10% loss-pause trigger are updated to a 1% trigger. The first-loss mechanism (i.e., burning DAO-held shares) may also be executed once a ≥1% loss is confirmed (previously 10%).
  2. Under “Proposal, Summary”, the following line will be revised as follow.
  • Reporting: 7-days incidents report for above controls; quarterly reporting (incl. new vault allocations).
  1. The “Rewards & performance expectations” will be revised as follow:
  • Rewards & performance expectations
    • Treasury allocations earn the same vault returns as any depositor, net of vault-level fees and execution costs (swap fees/gas) incurred to allocate/withdraw.

    • The Lido Earn Team’s product objective is to target competitive, risk-adjusted net yields. However, returns are variable, not guaranteed, and loss scenarios are possible.

    • Quarterly reporting shows net rewards remitted, mark-to-market P&L, and any mandate actions.

    • Quarterly reporting will reflect rewards in their share price and any mandate actions.

    • To avoid quarterly operational burden and imporve capital efficiency for DAO, the yield will be compounded inside the vault and only remitted to the Treasury if needed as part of the annual budgeting process.

  1. The “Implementation details - Allocation scope (current + future Earn vaults)” section will be amended as follow

2) Allocation scope

  • The allocation may only be deployed across upcoming Lido Earn ETH Vault and Lido Earn USD Vault under this mandate, subject to the same DAO constraints (allocation-only, reporting, loss pause, first-loss burn mechanics, and escape hatch).
  • Deposit-asset scope: The mandate covers stETH/wstETH and USD stables by default. Allocations to vaults with new deposit-asset types may be made only after advance public disclosure (forum post) prior to first allocation, and remain subject to DAO override (modify/terminate) under the governance override clause.
  • First-loss readiness (mandatory): Allocations under this mandate are permitted only to vaults that are burn-ready: i.e., the vault includes an onchain share-burn function (OR committed to release one within 1 month, otherwise the fund will remain not allocatable until resolved.) and GC has onchain permissions to execute burns of its DAO-share from that address.
  • For any newly listed vault, allocations under this mandate may be made only when the burn-readiness conditions defined below are satisfied onchain at the time of allocation.
1 Like

After internal discussions, we’re adjusting the mandate to remove unnecessary timing dependencies while keeping the security posture unchanged:

  1. Allocation to the ETH and USD vaults can proceed from day one even if the burn-function isn’t deployed yet. First-loss protection remains mandatory; if a first-loss action is needed before the burn-function is live, it will be executed manually, and once the vaults are patched GC will re-deposit to enable onchain execution.

  2. Minor cleanups elsewhere.


Here’s the list of amendments:

1) Amendments — Covering situation that burn-function is not yet deployed

1.1 Under Allocation scope

Original:

• First-loss readiness (mandatory): Allocations under this mandate are permitted only to vaults that are burn-ready…

Amendment (replace bullet with):

• First-loss execution readiness (mandatory): Allocation to the Lido Earn ETH and Lido Earn USD vaults may be executed even if the burn-function is not yet deployed. If a ≥1% loss is confirmed before the burn-function is available, GC executes an economically equivalent manual loss-absorption action per mandate instructions with incident disclosure. If/when the vaults are patched with the burn-function, GC will withdraw and re-deposit to activate technical execution via contractual functions.

1.2 Under Burn-readiness gating
Original:

Allocations under this mandate may be made only into burn-ready vaults.
• Exception (time-bound)… GC must not deposit… until burn-readiness is achieved.
• Missed timeline… funds remain unallocated…

Amendment:

Replace the above gating language with:

Allocation may proceed into the ETH and USD vaults even if the burn-function is not yet deployed. If first-loss is triggered before the burn-function is available, GC executes an economically equivalent manual loss-absorption action per mandate instructions with incident disclosure. If/when the vaults are patched with the burn-function, GC will withdraw and re-deposit to activate technical execution via contractual functions.

Remove the “Missed timeline” unallocated-funds clause.

1.3 Execution & controls - Operator

Original:

• …ensure GC has the required permissions to execute it. GC may not allocate DAO Treasury to them until burn-readiness is achieved.

Amendment:

• …ensure GC has the required permissions to execute it. Allocation may proceed prior to deployment; GC will withdraw and re-deposit after the burn-function is deployed to activate technical execution via contractual functions.

1.4 DAO-only share-burn implementation
Remove the “DAO-only share-burn implementation” section in full. The authoritative execution flow is defined under “Risk control – B) First-loss mechanism”.

1.5 Risk control → B) First-loss mechanism
Original:

• GC burns the DAO’s vault shares onchain using the vault’s DAO-share burn function.
• This control is usable only for vaults that include an onchain DAO-share burn function…
• By mandate design, allocations are made only to burn-ready vaults…

Amendment:
Replace the above with:

• If the onchain burn-function is available and activated, GC burns DAO-held shares onchain. If not yet available, GC executes an economically equivalent manual loss-absorption action per mandate instructions with incident disclosure.
• Allocation may occur before the burn-function is deployed; therefore first-loss must remain operationally executable (manual or onchain). Any inability to execute must be treated as an incident, disclosed, and accompanied by root-cause + remediation steps.


2) Other Amendments

2.1 Net rewards
Original:

• Economics: net rewards remitted to Treasury…
• All net rewards… are remitted at least quarterly.

Amendment:

• Economics: rewards compound inside the vault and are remitted to the Treasury only if needed as part of the annual budgeting process…
• All net rewards… accrue to the DAO Treasury and are retained for compounding; they are remitted only if needed as part of the annual budgeting process (quarterly reporting reflects share price appreciation and mandate actions).

2.2 Implementation details → 2) Allocation scope"

Original:

• Deposit-asset scope… allocations to vaults with new deposit-asset types…

Amendment:

• Deposit-asset scope: limited to the ETH and USD vault deposit assets described in this proposal. Any allocation outside these two vaults requires explicit DAO approval.

Remove the reporting bullet: “any allocations to vaults with new deposit-asset types…”

1 Like

Security Audit Reports

Security Review Report NM-0812 MELLOW REDEEM QUEUE
Security Review Report NM-0798 Mellow-Finance
Security Review Report NM-0758 Mellow-SyncDepositQueue
Security Review Report NM-0735 - MELLOW - SWAP MODULE SECURITY REVIEW
Security Review Report NM-0703 MELLOW - ORACLE SUBMITTER SECURITY REVIEW
Security Review Report NM-0682 - Mellow Finance
Security Review Report NM-0587 Mellow Protocol
Security Review For Mellow Protocol

1 Like

Snapshot vote started

We’re starting the Authorize $5M DAO Treasury Allocation to Lido Earn ETH and USD Vaults Snapshot, active till Mon, 09 Mar 2026 18:45:00 GMT. Please don’t forget to cast your vote!

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@tamtamchik is looking to join 0x0Dd73341d6158a72b4D224541f1094188f57076E admin multisig for Lido Earn vaults with the address 0x9777AF8c6727D57F74f7d381AD47eB4A65f042Ff

@george_avs is looking to join 0x0Dd73341d6158a72b4D224541f1094188f57076E admin multisig for Lido Earn vaults with the address 0x912e21CdA3D7012146da4Df33309d860a9eb0bEb

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@TheDZhon (x handle: @e330acid) is looking to join 0x0Dd73341d6158a72b4D224541f1094188f57076E admin msig for Lido Earn vaults with the address 0x59f8d74fe49d5ebeac069e3baf07eb4b614bd5a7

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@skelneko is looking to join 0x0Dd73341d6158a72b4D224541f1094188f57076E admin multisig for Lido Earn vaults with the address 0x75D95fF8D48E2Ca5c4235322A8AC8e52A76124cD

https://etherscan.io/verifySig/303069


@skelneko is looking to join 0xe5abcc40196174Ae0d12153dE286F0D8E401769d admin multisig for Lido Earn vaults with the address 0x75D95fF8D48E2Ca5c4235322A8AC8e52A76124cD
https://etherscan.io/verifySig/303070

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I (@0xasot on X) am looking to join the following Lido-affiliated multi-sigs with the address 0x8ecd93982FfbB2f937ADa6c6e50d1950974081C0:

  1. Lido Earn MetaVault high-level admin Safe (LAZY_VAULT_ADMIN) - 0x0Dd73341d6158a72b4D224541f1094188f57076E
  2. Lido Earn Metavault curator Safe - 0xe5abcc40196174Ae0d12153dE286F0D8E401769d
  3. Current Meta treasury Safe - 0xcCf2daba8Bb04a232a2fDA0D01010D4EF6C69B85

Verified signature: https://x.com/0xasot/status/2029098966256603466
X post: Ethereum Verified Signed Message

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Verification for my new signing address on Earn-related operations.

0x73B254db9cb71a129C4E73aF087D71Ac7d34a8d7

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@psirex (x handle: @psirex_) is looking to join 0x0Dd73341d6158a72b4D224541f1094188f57076E admin multisig for Lido Earn vaults with the address 0xfb864c1127ff77215d0a8e652bb632f526a4a89f

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I’m (@desc_xyz on X) looking to join Current Meta treasury Safe 0xcCf2daba8Bb04a232a2fDA0D01010D4EF6C69B85 to join the Lido-affiliated multi-sig with the address 0x8aA493BcD7f989caD67dd3CB48A4c2E6b40FeDB0

Verified signature: Ethereum Verified Signed Message
X post: https://x.com/desc_xyz/status/2029133706334548284?s=20

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I’m (@Elena_S) looking to join to the Lido-affiliated multi-sig - the Current Meta treasury Safe (0xcCf2daba8Bb04a232a2fDA0D01010D4EF6C69B85) with the address 0xE6CD29BF19769E44534099d241abAa07aa8c8E9a0xE6CD29BF19769E44534099d241abAa07aa8c8E9a

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