River has introduced its second USDT Smart Vault, offering an anticipated 42% annual percentage rate (APR) for participants. The vault, which closes for deposits on November 5, allows users to earn stablecoin returns and River Points (River Pts) rewards. The first vault, launched in September, quickly reached its $10 million cap and delivered an actual return of 80% APR, influenced by the current RIVER token price. The Smart Vault employs the Omni-CDP mechanism, enabling users to deposit USDT and automatically mint satUSD for staking pools. This approach integrates DeFi and CeDeFi strategies to ensure sustainable returns without liquidation risks. River Pts, an ERC20 token, have surged 40 times since their token generation event and can be converted to RIVER tokens within 180 days through a dynamic airdrop conversion mechanism.