Clovis Review 2026: One Account for Vaults and Borrowing

Clovis is a DeFi app that puts earning, borrowing and bridging into one account across several chains. Its pitch is to deposit once and earn everywhere, with vaults that allocate funds across established lending markets.

DefiLlama classifies it as a yield aggregator and lists it on ten chains, including Ethereum, Base, Arbitrum, Sei and Hyperliquid. It has been listed since September 2025, TVL is about $209,000, and the 7-day TVL change is -2.7%. DefiLlama shows no token and two audits.

The homepage shows how a vault position can back a loan on another chain while continuing to earn. It also describes Clovis Prime, a concept for using earning capital to fund perp trades. Those parts are early or conceptual, so the core live offering is the vault, borrow and bridge flow.

Clovis combines three functions in one account: earning, borrowing and bridging. You deposit an asset such as USDC from your wallet into a Clovis vault on a connected chain. The vault can allocate the deposit across lending markets, and the homepage example shows Morpho, Aave, Euler and Fluid.

Where a vault position is eligible, it can act as collateral. You can borrow another asset, such as USDT, on a different chain while the vault position keeps earning. Each borrow market sets its own limit, and the interface shows the limit before you borrow.

The bridge lets you move assets between connected chains, showing the route before sending. A planned feature, Clovis Prime, would let earning capital fund perp trades on Hyperliquid under user-set margin rules, but it is presented as a vision.

Fees are not published publicly available. The homepage does not list deposit, withdrawal, performance, borrowing or bridge fees.

Users should check each vault's page and the docs for curator fees, borrow rates and bridge route costs. Network gas fees on each chain apply to any on-chain transaction.

DefiLlama lists two audits, but the project does not name the auditors or give the scope. Clovis is non-custodial in the sense that users deposit from their own wallet, but funds sit in vault and lending contracts, so smart-contract risk applies at several layers: Clovis, the curators and the underlying markets.

Cross-chain borrowing and bridging add further risk, including bridge failure and liquidation if collateral value falls. With TVL of about $209,000 and a listing date of September 2025, the protocol has a short, small track record. No incidents are mentioned publicly. This is not financial advice.

Clovis is for intermediate DeFi users who hold stablecoins or ETH on several chains and want a single place to earn on them and borrow against them. It is less suited to beginners, since borrowing, bridging and vault risk all need understanding.