diff --git a/packages/money-account-controller/package.json b/packages/money-account-controller/package.json
index 8e4f6933efe..dfa1b824034 100644
--- a/packages/money-account-controller/package.json
+++ b/packages/money-account-controller/package.json
@@ -49,22 +49,30 @@
     "test:watch": "NODE_OPTIONS=--experimental-vm-modules jest --watch"
   },
   "dependencies": {
+    "@ethersproject/contracts": "^5.7.0",
+    "@ethersproject/providers": "^5.7.0",
     "@metamask/accounts-controller": "^37.2.0",
     "@metamask/base-controller": "^9.0.1",
+    "@metamask/base-data-service": "^0.1.1",
+    "@metamask/controller-utils": "^11.20.0",
     "@metamask/eth-money-keyring": "^2.0.0",
     "@metamask/keyring-api": "^21.6.0",
     "@metamask/keyring-controller": "^25.2.0",
     "@metamask/messenger": "^1.1.1",
+    "@metamask/metamask-eth-abis": "^3.1.1",
+    "@metamask/network-controller": "^30.0.1",
+    "@metamask/superstruct": "^3.1.0",
+    "@metamask/utils": "^11.9.0",
     "async-mutex": "^0.5.0"
   },
   "devDependencies": {
     "@metamask/auto-changelog": "^3.4.4",
     "@metamask/keyring-utils": "^3.1.0",
-    "@metamask/utils": "^11.9.0",
     "@ts-bridge/cli": "^0.6.4",
     "@types/jest": "^29.5.14",
     "deepmerge": "^4.2.2",
     "jest": "^29.7.0",
+    "nock": "^13.3.1",
     "ts-jest": "^29.2.5",
     "tsx": "^4.20.5",
     "typedoc": "^0.25.13",
diff --git a/packages/money-account-controller/src/index.ts b/packages/money-account-controller/src/index.ts
index cfc0f01c007..87a38648b99 100644
--- a/packages/money-account-controller/src/index.ts
+++ b/packages/money-account-controller/src/index.ts
@@ -18,3 +18,25 @@ export type {
   MoneyAccountControllerCreateMoneyAccountAction,
   MoneyAccountControllerGetMoneyAccountAction,
 } from './MoneyAccountController-method-action-types';
+export {
+  MoneyAccountBalanceService,
+  serviceName as moneyAccountBalanceServiceName,
+} from './money-account-balance-service/money-account-balance-service';
+export type {
+  MoneyAccountBalanceServiceActions,
+  MoneyAccountBalanceServiceEvents,
+  MoneyAccountBalanceServiceMessenger,
+} from './money-account-balance-service/money-account-balance-service';
+export type {
+  MoneyAccountBalanceServiceGetMusdBalanceAction,
+  MoneyAccountBalanceServiceGetMusdSHFvdBalanceAction,
+  MoneyAccountBalanceServiceGetExchangeRateAction,
+  MoneyAccountBalanceServiceGetMusdEquivalentValueAction,
+  MoneyAccountBalanceServiceGetVaultApyAction,
+} from './money-account-balance-service/money-account-balance-service-method-action-types';
+export type {
+  Erc20BalanceResponse,
+  ExchangeRateResponse,
+  MusdEquivalentValueResponse,
+  VaultApyResponse,
+} from './money-account-balance-service/response.types';
diff --git a/packages/money-account-controller/src/money-account-balance-service/constants.ts b/packages/money-account-controller/src/money-account-balance-service/constants.ts
new file mode 100644
index 00000000000..2ea80a14959
--- /dev/null
+++ b/packages/money-account-controller/src/money-account-balance-service/constants.ts
@@ -0,0 +1,24 @@
+import { Hex } from '@metamask/utils';
+
+export const VEDA_PERFORMANCE_API_BASE_URL = 'https://api.sevenseas.capital';
+
+export const VEDA_API_NETWORK_NAMES: Record<Hex, string> = {
+  '0xa4b1': 'arbitrum',
+};
+
+export const DEFAULT_VEDA_API_NETWORK_NAME = VEDA_API_NETWORK_NAMES['0xa4b1'];
+
+/**
+ * Minimal ABI for the Veda Accountant's `getRate()` function (selector 0x679aefce).
+ * Returns the exchange rate between vault shares (musdSHFvd) and the
+ * underlying asset (mUSD) as a uint256.
+ */
+export const ACCOUNTANT_ABI = [
+  {
+    inputs: [],
+    name: 'getRate',
+    outputs: [{ internalType: 'uint256', name: 'rate', type: 'uint256' }],
+    stateMutability: 'view',
+    type: 'function',
+  },
+] as const;
diff --git a/packages/money-account-controller/src/money-account-balance-service/errors.ts b/packages/money-account-controller/src/money-account-balance-service/errors.ts
new file mode 100644
index 00000000000..d0de4dc0b28
--- /dev/null
+++ b/packages/money-account-controller/src/money-account-balance-service/errors.ts
@@ -0,0 +1,6 @@
+export class VedaResponseValidationError extends Error {
+  constructor(message?: string) {
+    super(message ?? 'Malformed response received from Veda API');
+    this.name = 'VedaResponseValidationError';
+  }
+}
diff --git a/packages/money-account-controller/src/money-account-balance-service/money-account-balance-service-method-action-types.ts b/packages/money-account-controller/src/money-account-balance-service/money-account-balance-service-method-action-types.ts
new file mode 100644
index 00000000000..f5e74c95a99
--- /dev/null
+++ b/packages/money-account-controller/src/money-account-balance-service/money-account-balance-service-method-action-types.ts
@@ -0,0 +1,73 @@
+// TODO: This file is supposed to be auto generated. Verify that this generates correctly. The first iteration (seen here) was generated by agent.
+/**
+ * This file is auto generated.
+ * Do not edit manually.
+ */
+
+import type { MoneyAccountBalanceService } from './money-account-balance-service';
+
+/**
+ * Fetches the mUSD ERC-20 balance for the given account address via RPC.
+ *
+ * @param accountAddress - The Money account's address.
+ * @returns The mUSD balance as a raw uint256 string.
+ */
+export type MoneyAccountBalanceServiceGetMusdBalanceAction = {
+  type: `MoneyAccountBalanceService:getMusdBalance`;
+  handler: MoneyAccountBalanceService['getMusdBalance'];
+};
+
+/**
+ * Fetches the musdSHFvd (Veda vault share) ERC-20 balance for the given
+ * account address via RPC.
+ *
+ * @param accountAddress - The Money account's address.
+ * @returns The musdSHFvd balance as a raw uint256 string.
+ */
+export type MoneyAccountBalanceServiceGetMusdSHFvdBalanceAction = {
+  type: `MoneyAccountBalanceService:getMusdSHFvdBalance`;
+  handler: MoneyAccountBalanceService['getMusdSHFvdBalance'];
+};
+
+/**
+ * Fetches the current exchange rate from the Veda Accountant contract via RPC.
+ *
+ * @returns The exchange rate as a raw uint256 string.
+ */
+export type MoneyAccountBalanceServiceGetExchangeRateAction = {
+  type: `MoneyAccountBalanceService:getExchangeRate`;
+  handler: MoneyAccountBalanceService['getExchangeRate'];
+};
+
+/**
+ * Computes the mUSD-equivalent value of the account's musdSHFvd holdings.
+ * Internally fetches the musdSHFvd balance and exchange rate (using cached
+ * values when available), then multiplies them.
+ *
+ * @param accountAddress - The Money account's address.
+ * @returns The musdSHFvd balance, exchange rate, and computed mUSD-equivalent value.
+ */
+export type MoneyAccountBalanceServiceGetMusdEquivalentValueAction = {
+  type: `MoneyAccountBalanceService:getMusdEquivalentValue`;
+  handler: MoneyAccountBalanceService['getMusdEquivalentValue'];
+};
+
+/**
+ * Fetches the vault's APY and fee breakdown from the Veda performance REST API.
+ *
+ * @returns The 7-day trailing net APY, fees, and per-position breakdown.
+ */
+export type MoneyAccountBalanceServiceGetVaultApyAction = {
+  type: `MoneyAccountBalanceService:getVaultApy`;
+  handler: MoneyAccountBalanceService['getVaultApy'];
+};
+
+/**
+ * Union of all MoneyAccountBalanceService action types.
+ */
+export type MoneyAccountBalanceServiceMethodActions =
+  | MoneyAccountBalanceServiceGetMusdBalanceAction
+  | MoneyAccountBalanceServiceGetMusdSHFvdBalanceAction
+  | MoneyAccountBalanceServiceGetExchangeRateAction
+  | MoneyAccountBalanceServiceGetMusdEquivalentValueAction
+  | MoneyAccountBalanceServiceGetVaultApyAction;
diff --git a/packages/money-account-controller/src/money-account-balance-service/money-account-balance-service.test.ts b/packages/money-account-controller/src/money-account-balance-service/money-account-balance-service.test.ts
new file mode 100644
index 00000000000..748c331a5bf
--- /dev/null
+++ b/packages/money-account-controller/src/money-account-balance-service/money-account-balance-service.test.ts
@@ -0,0 +1,693 @@
+import { Contract } from '@ethersproject/contracts';
+import { Web3Provider } from '@ethersproject/providers';
+import { DEFAULT_MAX_RETRIES, HttpError } from '@metamask/controller-utils';
+import { Messenger, MOCK_ANY_NAMESPACE } from '@metamask/messenger';
+import type {
+  MockAnyNamespace,
+  MessengerActions,
+  MessengerEvents,
+} from '@metamask/messenger';
+import nock, { cleanAll as nockCleanAll } from 'nock';
+
+import { VedaResponseValidationError } from './errors';
+import type {
+  MoneyAccountBalanceServiceConfig,
+  MoneyAccountBalanceServiceMessenger,
+} from './money-account-balance-service';
+import {
+  MoneyAccountBalanceService,
+  serviceName,
+} from './money-account-balance-service';
+
+jest.mock('@ethersproject/contracts');
+jest.mock('@ethersproject/providers');
+
+const MockContract = Contract as jest.MockedClass<typeof Contract>;
+const MockWeb3Provider = Web3Provider as jest.MockedClass<typeof Web3Provider>;
+
+// ============================================================
+// Fixtures
+// ============================================================
+
+const MOCK_VAULT_ADDRESS =
+  '0xVaultAddress000000000000000000000000000000' as const;
+const MOCK_ACCOUNTANT_ADDRESS =
+  '0xAccountantAddr000000000000000000000000000' as const;
+const MOCK_UNDERLYING_TOKEN_ADDRESS =
+  '0xMusdAddress0000000000000000000000000000000' as const;
+const MOCK_ACCOUNT_ADDRESS =
+  '0xUserAccount0000000000000000000000000000000' as const;
+const MOCK_NETWORK_CLIENT_ID = 'arbitrum-mainnet';
+
+const DEFAULT_CONFIG = {
+  vaultAddress: MOCK_VAULT_ADDRESS,
+  vaultChainId: '0xa4b1' as const,
+  accountantAddress: MOCK_ACCOUNTANT_ADDRESS,
+  underlyingTokenAddress: MOCK_UNDERLYING_TOKEN_ADDRESS,
+  underlyingTokenDecimals: 6,
+};
+
+const MOCK_NETWORK_CONFIG = {
+  chainId: '0xa4b1' as const,
+  rpcEndpoints: [
+    {
+      networkClientId: MOCK_NETWORK_CLIENT_ID,
+      url: 'https://arb1.arbitrum.io/rpc',
+    },
+  ],
+  defaultRpcEndpointIndex: 0,
+  name: 'Arbitrum One',
+  nativeCurrency: 'ETH',
+  blockExplorerUrls: [],
+};
+
+// A bare object suffices — Web3Provider and Contract are mocked at the module level.
+// eslint-disable-next-line @typescript-eslint/no-explicit-any
+const MOCK_PROVIDER = {} as any;
+
+const MOCK_VAULT_APY_RAW_RESPONSE = {
+  Response: {
+    aggregation_period: '7 days',
+    apy: 0.055,
+    chain_allocation: { arbitrum: 1.0 },
+    fees: 0.005,
+    global_apy_breakdown: {
+      fee: 0.005,
+      maturity_apy: 0.03,
+      real_apy: 0.05,
+    },
+    performance_fees: 0.001,
+    real_apy_breakdown: [
+      {
+        allocation: 1.0,
+        apy: 0.055,
+        apy_net: 0.05,
+        chain: 'arbitrum',
+        protocol: 'aave',
+      },
+    ],
+    timestamp: '2024-01-01T00:00:00Z',
+  },
+};
+
+const MOCK_VAULT_APY_NORMALIZED = {
+  aggregationPeriod: '7 days',
+  apy: 0.055,
+  chainAllocation: { arbitrum: 1.0 },
+  fees: 0.005,
+  globalApyBreakdown: {
+    fee: 0.005,
+    maturityApy: 0.03,
+    realApy: 0.05,
+  },
+  performanceFees: 0.001,
+  realApyBreakdown: [
+    {
+      allocation: 1.0,
+      apy: 0.055,
+      apyNet: 0.05,
+      chain: 'arbitrum',
+      protocol: 'aave',
+    },
+  ],
+  timestamp: '2024-01-01T00:00:00Z',
+};
+
+// ============================================================
+// Messenger helpers
+// ============================================================
+
+type RootMessenger = Messenger<
+  MockAnyNamespace,
+  MessengerActions<MoneyAccountBalanceServiceMessenger>,
+  MessengerEvents<MoneyAccountBalanceServiceMessenger>
+>;
+
+function createRootMessenger(): RootMessenger {
+  return new Messenger({ namespace: MOCK_ANY_NAMESPACE });
+}
+
+function createServiceMessenger(
+  rootMessenger: RootMessenger,
+): MoneyAccountBalanceServiceMessenger {
+  return new Messenger({
+    namespace: serviceName,
+    parent: rootMessenger,
+  });
+}
+
+// ============================================================
+// Factory
+// ============================================================
+
+/**
+ * Builds the service under test with messenger action stubs for the two
+ * NetworkController dependencies.
+ *
+ * @param args - Optional overrides for the service config and constructor options.
+ * @param args.config - Partial config merged over {@link DEFAULT_CONFIG}.
+ * @param args.options - Partial constructor options passed to the service.
+ * @returns The constructed service together with messenger instances and mock stubs.
+ */
+function createService({
+  config = {},
+  options = {},
+}: {
+  config?: Partial<MoneyAccountBalanceServiceConfig>;
+  options?: Partial<
+    ConstructorParameters<typeof MoneyAccountBalanceService>[0]
+  >;
+} = {}): {
+  service: MoneyAccountBalanceService;
+  rootMessenger: RootMessenger;
+  messenger: MoneyAccountBalanceServiceMessenger;
+  mockGetNetworkConfig: jest.Mock;
+  mockGetNetworkClient: jest.Mock;
+} {
+  const rootMessenger = createRootMessenger();
+  const messenger = createServiceMessenger(rootMessenger);
+
+  const mockGetNetworkConfig = jest.fn().mockReturnValue(MOCK_NETWORK_CONFIG);
+  const mockGetNetworkClient = jest.fn().mockReturnValue({
+    provider: MOCK_PROVIDER,
+  });
+
+  rootMessenger.registerActionHandler(
+    'NetworkController:getNetworkConfigurationByChainId',
+    mockGetNetworkConfig,
+  );
+  rootMessenger.registerActionHandler(
+    'NetworkController:getNetworkClientById',
+    mockGetNetworkClient,
+  );
+
+  rootMessenger.delegate({
+    actions: [
+      'NetworkController:getNetworkConfigurationByChainId',
+      'NetworkController:getNetworkClientById',
+    ],
+    events: [],
+    messenger,
+  });
+
+  const service = new MoneyAccountBalanceService({
+    messenger,
+    config: { ...DEFAULT_CONFIG, ...config },
+    ...options,
+  });
+
+  return {
+    service,
+    rootMessenger,
+    messenger,
+    mockGetNetworkConfig,
+    mockGetNetworkClient,
+  };
+}
+
+/**
+ * Configures the Contract mock so that `balanceOf` resolves to an object
+ * whose `.toString()` returns `balance`.
+ *
+ * @param balance - The raw uint256 balance string to return.
+ */
+function mockErc20BalanceOf(balance: string): void {
+  MockContract.mockImplementation(
+    () =>
+      ({
+        balanceOf: jest.fn().mockResolvedValue({ toString: () => balance }),
+      }) as unknown as Contract,
+  );
+}
+
+/**
+ * Configures the Contract mock so that `getRate` resolves to an object
+ * whose `.toString()` returns `rate`.
+ *
+ * @param rate - The raw uint256 rate string to return.
+ */
+function mockAccountantGetRate(rate: string): void {
+  MockContract.mockImplementation(
+    () =>
+      ({
+        getRate: jest.fn().mockResolvedValue({ toString: () => rate }),
+      }) as unknown as Contract,
+  );
+}
+
+// ============================================================
+// Tests
+// ============================================================
+
+describe('MoneyAccountBalanceService', () => {
+  beforeEach(() => {
+    MockWeb3Provider.mockImplementation(() => ({}) as unknown as Web3Provider);
+    nockCleanAll();
+  });
+
+  afterEach(() => {
+    jest.resetAllMocks();
+  });
+
+  // ----------------------------------------------------------
+  // getMusdBalance
+  // ----------------------------------------------------------
+
+  describe('getMusdBalance', () => {
+    it('returns the mUSD balance for the given address', async () => {
+      mockErc20BalanceOf('5000000');
+      const { service } = createService();
+
+      const result = await service.getMusdBalance(MOCK_ACCOUNT_ADDRESS);
+
+      expect(result).toStrictEqual({ balance: '5000000' });
+    });
+
+    it('calls balanceOf on the underlying token contract, not the vault', async () => {
+      mockErc20BalanceOf('5000000');
+      const { service } = createService();
+
+      await service.getMusdBalance(MOCK_ACCOUNT_ADDRESS);
+
+      expect(MockContract).toHaveBeenCalledWith(
+        MOCK_UNDERLYING_TOKEN_ADDRESS,
+        expect.anything(),
+        expect.anything(),
+      );
+      expect(MockContract).not.toHaveBeenCalledWith(
+        MOCK_VAULT_ADDRESS,
+        expect.anything(),
+        expect.anything(),
+      );
+    });
+
+    it('is also callable via the messenger action', async () => {
+      mockErc20BalanceOf('5000000');
+      const { rootMessenger } = createService();
+
+      const result = await rootMessenger.call(
+        'MoneyAccountBalanceService:getMusdBalance',
+        MOCK_ACCOUNT_ADDRESS,
+      );
+
+      expect(result).toStrictEqual({ balance: '5000000' });
+    });
+
+    it('throws if no network configuration is found for the vault chain', async () => {
+      const { service, mockGetNetworkConfig } = createService();
+      mockGetNetworkConfig.mockReturnValue(undefined);
+
+      await expect(
+        service.getMusdBalance(MOCK_ACCOUNT_ADDRESS),
+      ).rejects.toThrow('No network configuration found for chain 0xa4b1');
+    });
+
+    it('throws if the network client has no provider', async () => {
+      const { service, mockGetNetworkClient } = createService();
+      mockGetNetworkClient.mockReturnValue({ provider: null });
+
+      await expect(
+        service.getMusdBalance(MOCK_ACCOUNT_ADDRESS),
+      ).rejects.toThrow('No provider found for chain 0xa4b1');
+    });
+
+    it('uses the network client at defaultRpcEndpointIndex, not always index 0', async () => {
+      mockErc20BalanceOf('1000000');
+      const { service, mockGetNetworkConfig, mockGetNetworkClient } =
+        createService();
+      mockGetNetworkConfig.mockReturnValue({
+        ...MOCK_NETWORK_CONFIG,
+        rpcEndpoints: [
+          {
+            networkClientId: 'client-at-index-0',
+            url: 'https://rpc0.example.com',
+          },
+          {
+            networkClientId: 'client-at-index-1',
+            url: 'https://rpc1.example.com',
+          },
+        ],
+        defaultRpcEndpointIndex: 1,
+      });
+
+      await service.getMusdBalance(MOCK_ACCOUNT_ADDRESS);
+
+      expect(mockGetNetworkClient).toHaveBeenCalledWith('client-at-index-1');
+      expect(mockGetNetworkClient).not.toHaveBeenCalledWith(
+        'client-at-index-0',
+      );
+    });
+  });
+
+  // ----------------------------------------------------------
+  // getMusdSHFvdBalance
+  // ----------------------------------------------------------
+
+  describe('getMusdSHFvdBalance', () => {
+    it('returns the vault share balance for the given address', async () => {
+      mockErc20BalanceOf('3000000');
+      const { service } = createService();
+
+      const result = await service.getMusdSHFvdBalance(MOCK_ACCOUNT_ADDRESS);
+
+      expect(result).toStrictEqual({ balance: '3000000' });
+    });
+
+    it('calls balanceOf on the vault contract, not the underlying token', async () => {
+      mockErc20BalanceOf('3000000');
+      const { service } = createService();
+
+      await service.getMusdSHFvdBalance(MOCK_ACCOUNT_ADDRESS);
+
+      expect(MockContract).toHaveBeenCalledWith(
+        MOCK_VAULT_ADDRESS,
+        expect.anything(),
+        expect.anything(),
+      );
+      expect(MockContract).not.toHaveBeenCalledWith(
+        MOCK_UNDERLYING_TOKEN_ADDRESS,
+        expect.anything(),
+        expect.anything(),
+      );
+    });
+  });
+
+  // ----------------------------------------------------------
+  // getExchangeRate
+  // ----------------------------------------------------------
+
+  describe('getExchangeRate', () => {
+    it('returns the exchange rate from the Accountant contract', async () => {
+      mockAccountantGetRate('1050000');
+      const { service } = createService();
+
+      const result = await service.getExchangeRate();
+
+      expect(result).toStrictEqual({ rate: '1050000' });
+    });
+
+    it('calls getRate on the accountant contract address', async () => {
+      mockAccountantGetRate('1050000');
+      const { service } = createService();
+
+      await service.getExchangeRate();
+
+      expect(MockContract).toHaveBeenCalledWith(
+        MOCK_ACCOUNTANT_ADDRESS,
+        expect.anything(),
+        expect.anything(),
+      );
+    });
+
+    it('throws if no network configuration is found for the vault chain', async () => {
+      const { service, mockGetNetworkConfig } = createService();
+      mockGetNetworkConfig.mockReturnValue(undefined);
+
+      await expect(service.getExchangeRate()).rejects.toThrow(
+        'No network configuration found for chain 0xa4b1',
+      );
+    });
+
+    it('throws if the network client has no provider', async () => {
+      const { service, mockGetNetworkClient } = createService();
+      mockGetNetworkClient.mockReturnValue({ provider: null });
+
+      await expect(service.getExchangeRate()).rejects.toThrow(
+        'No provider found for chain 0xa4b1',
+      );
+    });
+  });
+
+  // ----------------------------------------------------------
+  // getMusdEquivalentValue
+  // ----------------------------------------------------------
+
+  describe('getMusdEquivalentValue', () => {
+    it('returns the vault share balance, exchange rate, and computed mUSD-equivalent value', async () => {
+      // balance = 2_000_000, rate = 1_100_000, decimals = 6
+      // equivalent = (2_000_000 * 1_100_000) / 10^6 = 2_200_000
+      MockContract.mockImplementationOnce(
+        () =>
+          ({
+            balanceOf: jest
+              .fn()
+              .mockResolvedValue({ toString: () => '2000000' }),
+          }) as unknown as Contract,
+      ).mockImplementationOnce(
+        () =>
+          ({
+            getRate: jest.fn().mockResolvedValue({ toString: () => '1100000' }),
+          }) as unknown as Contract,
+      );
+
+      const { service } = createService();
+
+      const result = await service.getMusdEquivalentValue(MOCK_ACCOUNT_ADDRESS);
+
+      expect(result).toStrictEqual({
+        musdSHFvdBalance: '2000000',
+        exchangeRate: '1100000',
+        musdEquivalentValue: '2200000',
+      });
+    });
+
+    it('returns zero musdEquivalentValue when the vault share balance is zero', async () => {
+      MockContract.mockImplementationOnce(
+        () =>
+          ({
+            balanceOf: jest.fn().mockResolvedValue({ toString: () => '0' }),
+          }) as unknown as Contract,
+      ).mockImplementationOnce(
+        () =>
+          ({
+            getRate: jest.fn().mockResolvedValue({ toString: () => '1100000' }),
+          }) as unknown as Contract,
+      );
+
+      const { service } = createService();
+
+      const result = await service.getMusdEquivalentValue(MOCK_ACCOUNT_ADDRESS);
+
+      expect(result.musdEquivalentValue).toBe('0');
+    });
+
+    it('truncates (floors) fractional mUSD when the product is not evenly divisible', async () => {
+      // balance = 1_000_001, rate = 1_000_000, decimals = 6
+      // equivalent = (1_000_001 * 1_000_000) / 10^6 = 1_000_001 (exact)
+      // Check with a value that *would* truncate: balance=3, rate=1_000_000, decimals=6
+      // => (3 * 1_000_000) / 1_000_000 = 3 (no truncation needed in this case)
+      // Real truncation test: balance=7, rate=1_500_000, decimals=6
+      // => (7 * 1_500_000) / 1_000_000 = 10_500_000 / 1_000_000 = 10 (BigInt floors)
+      MockContract.mockImplementationOnce(
+        () =>
+          ({
+            balanceOf: jest.fn().mockResolvedValue({ toString: () => '7' }),
+          }) as unknown as Contract,
+      ).mockImplementationOnce(
+        () =>
+          ({
+            getRate: jest.fn().mockResolvedValue({ toString: () => '1500000' }),
+          }) as unknown as Contract,
+      );
+
+      const { service } = createService();
+
+      const result = await service.getMusdEquivalentValue(MOCK_ACCOUNT_ADDRESS);
+
+      expect(result.musdEquivalentValue).toBe('10');
+    });
+  });
+
+  // ----------------------------------------------------------
+  // getVaultApy
+  // ----------------------------------------------------------
+
+  describe('getVaultApy', () => {
+    it('returns the normalized vault APY from the Veda performance API', async () => {
+      nock('https://api.sevenseas.capital')
+        .get(`/performance/arbitrum/${MOCK_VAULT_ADDRESS}`)
+        .reply(200, MOCK_VAULT_APY_RAW_RESPONSE);
+
+      const { service } = createService();
+
+      const result = await service.getVaultApy();
+
+      expect(result).toStrictEqual(MOCK_VAULT_APY_NORMALIZED);
+    });
+
+    it('uses a custom vedaApiBaseUrl when provided', async () => {
+      nock('https://custom-veda-api.example.com')
+        .get(`/performance/arbitrum/${MOCK_VAULT_ADDRESS}`)
+        .reply(200, MOCK_VAULT_APY_RAW_RESPONSE);
+
+      const { service } = createService({
+        config: { vedaApiBaseUrl: 'https://custom-veda-api.example.com' },
+      });
+
+      const result = await service.getVaultApy();
+
+      expect(result).toStrictEqual(MOCK_VAULT_APY_NORMALIZED);
+    });
+
+    it('throws HttpError on a non-200 response', async () => {
+      nock('https://api.sevenseas.capital')
+        .get(`/performance/arbitrum/${MOCK_VAULT_ADDRESS}`)
+        .times(DEFAULT_MAX_RETRIES + 1)
+        .reply(500);
+
+      const { service } = createService();
+
+      await expect(service.getVaultApy()).rejects.toThrow(
+        new HttpError(500, "Veda performance API failed with status '500'"),
+      );
+    });
+
+    it('throws VedaResponseValidationError on a malformed response body', async () => {
+      nock('https://api.sevenseas.capital')
+        .get(`/performance/arbitrum/${MOCK_VAULT_ADDRESS}`)
+        .reply(200, { unexpected: 'shape' });
+
+      const { service } = createService();
+
+      await expect(service.getVaultApy()).rejects.toThrow(
+        new VedaResponseValidationError(
+          'Malformed response received from Veda performance API',
+        ),
+      );
+    });
+
+    it.each([
+      { description: 'missing Response key', body: {} },
+      {
+        description: 'missing apy field',
+        body: {
+          Response: { ...MOCK_VAULT_APY_RAW_RESPONSE.Response, apy: undefined },
+        },
+      },
+      {
+        description: 'apy is not a number',
+        body: {
+          Response: { ...MOCK_VAULT_APY_RAW_RESPONSE.Response, apy: 'high' },
+        },
+      },
+      {
+        description: 'missing timestamp field',
+        body: {
+          Response: {
+            ...MOCK_VAULT_APY_RAW_RESPONSE.Response,
+            timestamp: undefined,
+          },
+        },
+      },
+    ])(
+      'throws VedaResponseValidationError when response is malformed: $description',
+      async ({ body }) => {
+        nock('https://api.sevenseas.capital')
+          .get(`/performance/arbitrum/${MOCK_VAULT_ADDRESS}`)
+          .reply(200, body);
+
+        const { service } = createService();
+
+        await expect(service.getVaultApy()).rejects.toThrow(
+          VedaResponseValidationError,
+        );
+      },
+    );
+
+    it('accepts and normalizes a sparse response where only apy and timestamp are present', async () => {
+      const sparseResponse = {
+        Response: {
+          aggregation_period: '7 days',
+          apy: 0,
+          chain_allocation: { arbitrum: 0 },
+          fees: 0,
+          global_apy_breakdown: { fee: 0, maturity_apy: 0, real_apy: 0 },
+          maturity_apy_breakdown: [],
+          real_apy_breakdown: [],
+          timestamp: 'Fri, 10 Apr 2026 22:05:54 GMT',
+        },
+      };
+
+      nock('https://api.sevenseas.capital')
+        .get(`/performance/arbitrum/${MOCK_VAULT_ADDRESS}`)
+        .reply(200, sparseResponse);
+
+      const { service } = createService();
+
+      const result = await service.getVaultApy();
+
+      expect(result.apy).toBe(0);
+      expect(result.timestamp).toBe('Fri, 10 Apr 2026 22:05:54 GMT');
+      expect(result.realApyBreakdown).toStrictEqual([]);
+    });
+
+    it('accepts a response that omits all optional fields', async () => {
+      const minimalResponse = {
+        Response: {
+          apy: 0.03,
+          timestamp: '2026-01-01T00:00:00Z',
+        },
+      };
+
+      nock('https://api.sevenseas.capital')
+        .get(`/performance/arbitrum/${MOCK_VAULT_ADDRESS}`)
+        .reply(200, minimalResponse);
+
+      const { service } = createService();
+
+      const result = await service.getVaultApy();
+
+      expect(result).toStrictEqual({
+        aggregationPeriod: undefined,
+        apy: 0.03,
+        chainAllocation: undefined,
+        fees: undefined,
+        globalApyBreakdown: undefined,
+        performanceFees: undefined,
+        realApyBreakdown: undefined,
+        timestamp: '2026-01-01T00:00:00Z',
+      });
+    });
+
+    it('does not retry on VedaResponseValidationError', async () => {
+      // Only one nock scope — if retry happened, the second call would throw a
+      // different error (nock "no match" instead of VedaResponseValidationError).
+      nock('https://api.sevenseas.capital')
+        .get(`/performance/arbitrum/${MOCK_VAULT_ADDRESS}`)
+        .once()
+        .reply(200, { unexpected: 'shape' });
+
+      const { service } = createService();
+
+      await expect(service.getVaultApy()).rejects.toThrow(
+        VedaResponseValidationError,
+      );
+    });
+
+    it('falls back to the default network name for unknown chain IDs', async () => {
+      // 0x1 is not in VEDA_API_NETWORK_NAMES, so DEFAULT_VEDA_API_NETWORK_NAME
+      // ('arbitrum') should be used. Nock matches on exact URL, so if the wrong
+      // network name were used the request would throw instead of returning data.
+      nock('https://api.sevenseas.capital')
+        .get(`/performance/arbitrum/${MOCK_VAULT_ADDRESS}`)
+        .reply(200, MOCK_VAULT_APY_RAW_RESPONSE);
+
+      const { service } = createService({
+        config: { vaultChainId: '0x1' as const },
+      });
+
+      const result = await service.getVaultApy();
+
+      expect(result).toStrictEqual(MOCK_VAULT_APY_NORMALIZED);
+    });
+  });
+});
+
+describe('VedaResponseValidationError', () => {
+  it('uses the default message when constructed with no argument', () => {
+    const error = new VedaResponseValidationError();
+
+    expect(error.message).toBe('Malformed response received from Veda API');
+    expect(error.name).toBe('VedaResponseValidationError');
+  });
+});
diff --git a/packages/money-account-controller/src/money-account-balance-service/money-account-balance-service.ts b/packages/money-account-controller/src/money-account-balance-service/money-account-balance-service.ts
new file mode 100644
index 00000000000..de7b73ae8d7
--- /dev/null
+++ b/packages/money-account-controller/src/money-account-balance-service/money-account-balance-service.ts
@@ -0,0 +1,402 @@
+import { Contract } from '@ethersproject/contracts';
+import { Web3Provider } from '@ethersproject/providers';
+import type {
+  DataServiceCacheUpdatedEvent,
+  DataServiceGranularCacheUpdatedEvent,
+  DataServiceInvalidateQueriesAction,
+} from '@metamask/base-data-service';
+import { BaseDataService } from '@metamask/base-data-service';
+import type { CreateServicePolicyOptions } from '@metamask/controller-utils';
+import { handleWhen, HttpError } from '@metamask/controller-utils';
+import type { Messenger } from '@metamask/messenger';
+import { abiERC20 } from '@metamask/metamask-eth-abis';
+import type {
+  NetworkControllerGetNetworkClientByIdAction,
+  NetworkControllerGetNetworkConfigurationByChainIdAction,
+} from '@metamask/network-controller';
+import { is } from '@metamask/superstruct';
+import type { Hex } from '@metamask/utils';
+import { Duration, inMilliseconds } from '@metamask/utils';
+
+import {
+  ACCOUNTANT_ABI,
+  DEFAULT_VEDA_API_NETWORK_NAME,
+  VEDA_API_NETWORK_NAMES,
+  VEDA_PERFORMANCE_API_BASE_URL,
+} from './constants';
+import { VedaResponseValidationError } from './errors';
+import type { MoneyAccountBalanceServiceMethodActions } from './money-account-balance-service-method-action-types';
+import { normalizeVaultApyResponse } from './requestNormalization';
+import type {
+  Erc20BalanceResponse,
+  ExchangeRateResponse,
+  MusdEquivalentValueResponse,
+  VaultApyResponse,
+} from './response.types';
+import { VaultApyResponseStruct } from './structs';
+
+// === GENERAL ===
+
+/**
+ * The name of the {@link MoneyAccountBalanceService}, used to namespace the
+ * service's actions and events.
+ */
+export const serviceName = 'MoneyAccountBalanceService';
+
+// === MESSENGER ===
+
+const MESSENGER_EXPOSED_METHODS = [
+  'getMusdBalance',
+  'getMusdSHFvdBalance',
+  'getExchangeRate',
+  'getMusdEquivalentValue',
+  'getVaultApy',
+] as const;
+
+/**
+ * Invalidates cached queries for {@link MoneyAccountBalanceService}.
+ */
+export type MoneyAccountBalanceServiceInvalidateQueriesAction =
+  DataServiceInvalidateQueriesAction<typeof serviceName>;
+
+/**
+ * Actions that {@link MoneyAccountBalanceService} exposes to other consumers.
+ */
+export type MoneyAccountBalanceServiceActions =
+  | MoneyAccountBalanceServiceMethodActions
+  | MoneyAccountBalanceServiceInvalidateQueriesAction;
+
+/**
+ * Actions from other messengers that {@link MoneyAccountBalanceService} calls.
+ */
+type AllowedActions =
+  | NetworkControllerGetNetworkConfigurationByChainIdAction
+  | NetworkControllerGetNetworkClientByIdAction;
+
+/**
+ * Published when {@link MoneyAccountBalanceService}'s cache is updated.
+ */
+export type MoneyAccountBalanceServiceCacheUpdatedEvent =
+  DataServiceCacheUpdatedEvent<typeof serviceName>;
+
+/**
+ * Published when a key within {@link MoneyAccountBalanceService}'s cache is
+ * updated.
+ */
+export type MoneyAccountBalanceServiceGranularCacheUpdatedEvent =
+  DataServiceGranularCacheUpdatedEvent<typeof serviceName>;
+
+/**
+ * Events that {@link MoneyAccountBalanceService} exposes to other consumers.
+ */
+export type MoneyAccountBalanceServiceEvents =
+  | MoneyAccountBalanceServiceCacheUpdatedEvent
+  | MoneyAccountBalanceServiceGranularCacheUpdatedEvent;
+
+/**
+ * Events from other messengers that {@link MoneyAccountBalanceService}
+ * subscribes to.
+ */
+type AllowedEvents = never;
+
+/**
+ * The messenger which is restricted to actions and events accessed by
+ * {@link MoneyAccountBalanceService}.
+ */
+export type MoneyAccountBalanceServiceMessenger = Messenger<
+  typeof serviceName,
+  MoneyAccountBalanceServiceActions | AllowedActions,
+  MoneyAccountBalanceServiceEvents | AllowedEvents
+>;
+
+export type MoneyAccountBalanceServiceConfig = {
+  /** The address of the Veda vault (musdSHFvd token contract). */
+  vaultAddress: Hex;
+  /** The chain ID of the Veda vault. */
+  vaultChainId: Hex;
+  /** The address of the Veda Accountant contract. */
+  accountantAddress: Hex;
+  /** The address of the underlying token (mUSD). Must be on the same chain as the vault. */
+  underlyingTokenAddress: Hex;
+  /**
+   * The decimals of the underlying token. Also determines the precision of
+   * the Accountant's `getRate()` return value.
+   */
+  underlyingTokenDecimals: number;
+  /** Base URL for the Veda Seven Seas performance API. Defaults to https://api.sevenseas.capital. */
+  vedaApiBaseUrl?: string;
+};
+
+// === SERVICE DEFINITION ===
+
+/**
+ * Data service responsible for fetching Money account balances (mUSD and
+ * musdSHFvd) via on-chain RPC reads, the Veda Accountant exchange rate, and
+ * the Veda vault APY from the Seven Seas REST API.
+ *
+ * All queries are cached via TanStack Query (inherited from
+ * {@link BaseDataService}) and protected by a service policy that provides
+ * automatic retries and circuit-breaking.
+ *
+ * @example
+ *
+ * ```ts
+ * const service = new MoneyAccountBalanceService({
+ *   messenger: moneyAccountBalanceServiceMessenger,
+ *   config: {
+ *     vaultAddress: '0x...',
+ *     vaultChainId: '0xa4b1',
+ *     accountantAddress: '0x...',
+ *     underlyingTokenAddress: '0x...',
+ *     underlyingTokenDecimals: 6,
+ *   },
+ * });
+ *
+ * const { balance } = await service.getMusdBalance('0xYourMoneyAccount...');
+ * ```
+ */
+export class MoneyAccountBalanceService extends BaseDataService<
+  typeof serviceName,
+  MoneyAccountBalanceServiceMessenger
+> {
+  readonly #config: MoneyAccountBalanceServiceConfig;
+
+  readonly #networkName: string;
+
+  /**
+   * Constructs a new MoneyAccountBalanceService.
+   *
+   * @param args - The constructor arguments.
+   * @param args.messenger - The messenger suited for this service.
+   * @param args.policyOptions - Options to pass to `createServicePolicy`,
+   * which is used to wrap each request.
+   * @param args.config - The configuration for the service.
+   */
+  constructor({
+    messenger,
+    policyOptions = {},
+    config,
+  }: {
+    messenger: MoneyAccountBalanceServiceMessenger;
+    config: MoneyAccountBalanceServiceConfig;
+    policyOptions?: CreateServicePolicyOptions;
+  }) {
+    super({
+      name: serviceName,
+      messenger,
+      policyOptions: {
+        ...policyOptions,
+        retryFilterPolicy: handleWhen(
+          (error) => !(error instanceof VedaResponseValidationError),
+        ),
+      },
+    });
+
+    this.#config = {
+      ...config,
+      vedaApiBaseUrl: config.vedaApiBaseUrl ?? VEDA_PERFORMANCE_API_BASE_URL,
+    };
+
+    this.#networkName =
+      VEDA_API_NETWORK_NAMES[this.#config.vaultChainId] ??
+      DEFAULT_VEDA_API_NETWORK_NAME;
+
+    this.messenger.registerMethodActionHandlers(
+      this,
+      MESSENGER_EXPOSED_METHODS,
+    );
+  }
+
+  /**
+   * Resolves a Web3Provider for {@link MoneyAccountBalanceServiceConfig.vaultChainId} by looking up the
+   * network configuration and client via the messenger.
+   *
+   * @returns A Web3Provider connected to the vault chain.
+   * @throws If no network configuration exists for the vault chain, or if the
+   * resolved network client has no provider.
+   */
+  #getProvider(): Web3Provider {
+    const config = this.messenger.call(
+      'NetworkController:getNetworkConfigurationByChainId',
+      this.#config.vaultChainId,
+    );
+
+    if (!config) {
+      throw new Error(
+        `No network configuration found for chain ${this.#config.vaultChainId}`,
+      );
+    }
+
+    const { rpcEndpoints, defaultRpcEndpointIndex } = config;
+    const { networkClientId } = rpcEndpoints[defaultRpcEndpointIndex];
+
+    const networkClient = this.messenger.call(
+      'NetworkController:getNetworkClientById',
+      networkClientId,
+    );
+
+    if (!networkClient?.provider) {
+      throw new Error(
+        `No provider found for chain ${this.#config.vaultChainId}`,
+      );
+    }
+
+    return new Web3Provider(networkClient.provider);
+  }
+
+  /**
+   * Fetches the ERC-20 balance for the given contract address and account address via RPC.
+   *
+   * @param contractAddress - The address of the ERC-20 contract.
+   * @param accountAddress - The address of the account.
+   * @returns The balance as a raw uint256 string.
+   */
+  async #fetchErc20Balance(
+    contractAddress: Hex,
+    accountAddress: Hex,
+  ): Promise<Erc20BalanceResponse> {
+    const provider = this.#getProvider();
+    const contract = new Contract(contractAddress, abiERC20, provider);
+    const balance = await contract.balanceOf(accountAddress);
+    return balance.toString();
+  }
+
+  /**
+   * Fetches the mUSD ERC-20 balance for the given account address via RPC.
+   *
+   * @param accountAddress - The Money account's Ethereum address.
+   * @returns The mUSD balance as a raw uint256 string.
+   */
+  async getMusdBalance(accountAddress: Hex): Promise<Erc20BalanceResponse> {
+    return this.fetchQuery({
+      queryKey: [`${this.name}:getMusdBalance`, accountAddress],
+      queryFn: async () => {
+        const balance = await this.#fetchErc20Balance(
+          this.#config.underlyingTokenAddress,
+          accountAddress,
+        );
+        return { balance };
+      },
+      staleTime: inMilliseconds(30, Duration.Second),
+    });
+  }
+
+  /**
+   * Fetches the musdSHFvd (Veda vault share) ERC-20 balance for the given
+   * account address via RPC.
+   *
+   * @param accountAddress - The Money account's Ethereum address.
+   * @returns The musdSHFvd balance as a raw uint256 string.
+   */
+  async getMusdSHFvdBalance(
+    accountAddress: Hex,
+  ): Promise<Erc20BalanceResponse> {
+    return this.fetchQuery({
+      queryKey: [`${this.name}:getMusdSHFvdBalance`, accountAddress],
+      queryFn: async () => {
+        const balance = await this.#fetchErc20Balance(
+          this.#config.vaultAddress,
+          accountAddress,
+        );
+        return { balance };
+      },
+      staleTime: inMilliseconds(30, Duration.Second),
+    });
+  }
+
+  /**
+   * Fetches the current exchange rate from the Veda Accountant contract via
+   * RPC. The rate represents the conversion factor from musdSHFvd shares to
+   * the underlying mUSD asset.
+   *
+   * @returns The exchange rate as a raw uint256 string.
+   */
+  async getExchangeRate(): Promise<ExchangeRateResponse> {
+    return this.fetchQuery({
+      queryKey: [`${this.name}:getExchangeRate`],
+      queryFn: async () => {
+        const provider = this.#getProvider();
+        const contract = new Contract(
+          this.#config.accountantAddress,
+          ACCOUNTANT_ABI,
+          provider,
+        );
+        const rate = await contract.getRate();
+        return { rate: rate.toString() };
+      },
+      staleTime: inMilliseconds(30, Duration.Second),
+    });
+  }
+
+  /**
+   * Computes the mUSD-equivalent value of the account's musdSHFvd holdings.
+   * Internally fetches the musdSHFvd balance and exchange rate (using cached
+   * values when available within their staleTime windows), then multiplies
+   * them.
+   *
+   * @param accountAddress - The Money account's Ethereum address.
+   * @returns The musdSHFvd balance, exchange rate, and computed
+   * mUSD-equivalent value as raw uint256 strings.
+   */
+  async getMusdEquivalentValue(
+    accountAddress: Hex,
+  ): Promise<MusdEquivalentValueResponse> {
+    const [{ balance: musdSHFvdBalance }, { rate: exchangeRate }] =
+      await Promise.all([
+        this.getMusdSHFvdBalance(accountAddress),
+        this.getExchangeRate(),
+      ]);
+
+    const balanceBigInt = BigInt(musdSHFvdBalance);
+    const rateBigInt = BigInt(exchangeRate);
+
+    const musdEquivalentValue = (
+      (balanceBigInt * rateBigInt) /
+      10n ** BigInt(this.#config.underlyingTokenDecimals)
+    ).toString();
+
+    return {
+      musdSHFvdBalance,
+      exchangeRate,
+      musdEquivalentValue,
+    };
+  }
+
+  /**
+   * Fetches the vault's APY and fee breakdown from the Veda performance REST API.
+   *
+   * @returns The normalized vault APY response.
+   */
+  async getVaultApy(): Promise<VaultApyResponse> {
+    return this.fetchQuery({
+      queryKey: [`${this.name}:getVaultApy`],
+      queryFn: async () => {
+        const url = new URL(
+          `/performance/${this.#networkName}/${this.#config.vaultAddress}`,
+          this.#config.vedaApiBaseUrl,
+        );
+
+        const response = await fetch(url);
+
+        if (!response.ok) {
+          throw new HttpError(
+            response.status,
+            `Veda performance API failed with status '${response.status}'`,
+          );
+        }
+
+        const rawResponse = await response.json();
+
+        // Validate raw response inside queryFn to avoid poisoned cache.
+        if (!is(rawResponse, VaultApyResponseStruct)) {
+          throw new VedaResponseValidationError(
+            'Malformed response received from Veda performance API',
+          );
+        }
+
+        return normalizeVaultApyResponse(rawResponse);
+      },
+      staleTime: inMilliseconds(5, Duration.Minute),
+    });
+  }
+}
diff --git a/packages/money-account-controller/src/money-account-balance-service/requestNormalization.ts b/packages/money-account-controller/src/money-account-balance-service/requestNormalization.ts
new file mode 100644
index 00000000000..ee3df074012
--- /dev/null
+++ b/packages/money-account-controller/src/money-account-balance-service/requestNormalization.ts
@@ -0,0 +1,40 @@
+import { Infer } from '@metamask/superstruct';
+
+import { VaultApyResponse } from './response.types';
+import { VaultApyResponseStruct } from './structs';
+
+/**
+ * Normalizes the raw response from the Veda performance API into the expected
+ * format.
+ *
+ * @param rawResponse - The raw response from the Veda performance API.
+ * @returns The normalized response.
+ */
+export function normalizeVaultApyResponse(
+  rawResponse: Infer<typeof VaultApyResponseStruct>,
+): VaultApyResponse {
+  const { Response: response } = rawResponse;
+
+  return {
+    aggregationPeriod: response.aggregation_period,
+    apy: response.apy,
+    chainAllocation: response.chain_allocation,
+    fees: response.fees,
+    globalApyBreakdown: response.global_apy_breakdown
+      ? {
+          fee: response.global_apy_breakdown.fee,
+          maturityApy: response.global_apy_breakdown.maturity_apy,
+          realApy: response.global_apy_breakdown.real_apy,
+        }
+      : undefined,
+    performanceFees: response.performance_fees,
+    realApyBreakdown: response.real_apy_breakdown?.map((item) => ({
+      allocation: item.allocation,
+      apy: item.apy,
+      apyNet: item.apy_net,
+      chain: item.chain,
+      protocol: item.protocol,
+    })),
+    timestamp: response.timestamp,
+  };
+}
diff --git a/packages/money-account-controller/src/money-account-balance-service/response.types.ts b/packages/money-account-controller/src/money-account-balance-service/response.types.ts
new file mode 100644
index 00000000000..7f119010b35
--- /dev/null
+++ b/packages/money-account-controller/src/money-account-balance-service/response.types.ts
@@ -0,0 +1,56 @@
+/**
+ * Response from {@link MoneyAccountBalanceService.#fetchErc20Balance}.
+ * Balance is a raw uint256 string (no decimal normalization).
+ */
+export type Erc20BalanceResponse = {
+  balance: string;
+};
+
+/**
+ * Response from {@link MoneyAccountBalanceService.getExchangeRate}.
+ * Rate is the raw uint256 string returned by the Accountant's `getRate()`.
+ */
+export type ExchangeRateResponse = {
+  rate: string;
+};
+
+/**
+ * Response from {@link MoneyAccountBalanceService.getMusdEquivalentValue}.
+ * All values are raw uint256 strings. The `musdEquivalentValue` is
+ * `musdSHFvdBalance * exchangeRate / 10^underlyingTokenDecimals` (= 1e6 for mUSD).
+ */
+export type MusdEquivalentValueResponse = {
+  musdSHFvdBalance: string;
+  exchangeRate: string;
+  musdEquivalentValue: string;
+};
+
+/**
+ * Response from {@link MoneyAccountBalanceService.getVaultApy}.
+ * All APY / fee values are decimals (multiply by 100 for percentage).
+ *
+ * Only `apy` and `timestamp` are guaranteed to be present — all other fields
+ * are optional because the Veda API omits them when the vault has no activity.
+ */
+export type VaultApyResponse = {
+  aggregationPeriod?: string; // E.g. "7 days"
+  apy: number;
+  chainAllocation?: {
+    [network: string]: number;
+  };
+  fees?: number;
+  globalApyBreakdown?: {
+    fee?: number;
+    maturityApy?: number;
+    realApy?: number;
+  };
+  performanceFees?: number;
+  realApyBreakdown?: {
+    allocation?: number;
+    apy?: number;
+    apyNet?: number;
+    chain?: string;
+    protocol?: string;
+  }[];
+  timestamp: string;
+};
diff --git a/packages/money-account-controller/src/money-account-balance-service/structs.ts b/packages/money-account-controller/src/money-account-balance-service/structs.ts
new file mode 100644
index 00000000000..a8bd4f0f082
--- /dev/null
+++ b/packages/money-account-controller/src/money-account-balance-service/structs.ts
@@ -0,0 +1,46 @@
+import {
+  array,
+  number,
+  optional,
+  record,
+  string,
+  type,
+} from '@metamask/superstruct';
+
+/**
+ * Superstruct schema for {@link VaultApyResponse}.
+ *
+ * Uses `type()` (loose validation) so that unknown fields returned by the
+ * Veda API do not cause validation failures.
+ *
+ * Only `apy` and `timestamp` are required — all other fields are optional
+ * because the Veda API omits some fields when the vault has no activity.
+ */
+export const VaultApyResponseStruct = type({
+  Response: type({
+    aggregation_period: optional(string()),
+    apy: number(),
+    chain_allocation: optional(record(string(), number())),
+    fees: optional(number()),
+    global_apy_breakdown: optional(
+      type({
+        fee: optional(number()),
+        maturity_apy: optional(number()),
+        real_apy: optional(number()),
+      }),
+    ),
+    performance_fees: optional(number()),
+    real_apy_breakdown: optional(
+      array(
+        type({
+          allocation: optional(number()),
+          apy: optional(number()),
+          apy_net: optional(number()),
+          chain: optional(string()),
+          protocol: optional(string()),
+        }),
+      ),
+    ),
+    timestamp: string(),
+  }),
+});
diff --git a/packages/money-account-controller/tsconfig.build.json b/packages/money-account-controller/tsconfig.build.json
index 8fa5f6bf61b..be5597139b8 100644
--- a/packages/money-account-controller/tsconfig.build.json
+++ b/packages/money-account-controller/tsconfig.build.json
@@ -9,13 +9,20 @@
     {
       "path": "../base-controller/tsconfig.build.json"
     },
+    {
+      "path": "../base-data-service/tsconfig.build.json"
+    },
     {
       "path": "../accounts-controller/tsconfig.build.json"
     },
+    {
+      "path": "../controller-utils/tsconfig.build.json"
+    },
     {
       "path": "../keyring-controller/tsconfig.build.json"
     },
-    { "path": "../messenger/tsconfig.build.json" }
+    { "path": "../messenger/tsconfig.build.json" },
+    { "path": "../network-controller/tsconfig.build.json" }
   ],
   "include": ["../../types", "./src"]
 }
diff --git a/packages/money-account-controller/tsconfig.json b/packages/money-account-controller/tsconfig.json
index e1b9b25e4a4..4d2655c31a4 100644
--- a/packages/money-account-controller/tsconfig.json
+++ b/packages/money-account-controller/tsconfig.json
@@ -5,9 +5,12 @@
   },
   "references": [
     { "path": "../base-controller" },
+    { "path": "../base-data-service" },
     { "path": "../accounts-controller" },
+    { "path": "../controller-utils" },
     { "path": "../keyring-controller" },
-    { "path": "../messenger" }
+    { "path": "../messenger" },
+    { "path": "../network-controller" }
   ],
   "include": ["../../types", "./src"]
 }
diff --git a/yarn.lock b/yarn.lock
index 5d0a8876af7..5cadadca844 100644
--- a/yarn.lock
+++ b/yarn.lock
@@ -4406,20 +4406,28 @@ __metadata:
   version: 0.0.0-use.local
   resolution: "@metamask/money-account-controller@workspace:packages/money-account-controller"
   dependencies:
+    "@ethersproject/contracts": "npm:^5.7.0"
+    "@ethersproject/providers": "npm:^5.7.0"
     "@metamask/accounts-controller": "npm:^37.2.0"
     "@metamask/auto-changelog": "npm:^3.4.4"
     "@metamask/base-controller": "npm:^9.0.1"
+    "@metamask/base-data-service": "npm:^0.1.1"
+    "@metamask/controller-utils": "npm:^11.20.0"
     "@metamask/eth-money-keyring": "npm:^2.0.0"
     "@metamask/keyring-api": "npm:^21.6.0"
     "@metamask/keyring-controller": "npm:^25.2.0"
     "@metamask/keyring-utils": "npm:^3.1.0"
     "@metamask/messenger": "npm:^1.1.1"
+    "@metamask/metamask-eth-abis": "npm:^3.1.1"
+    "@metamask/network-controller": "npm:^30.0.1"
+    "@metamask/superstruct": "npm:^3.1.0"
     "@metamask/utils": "npm:^11.9.0"
     "@ts-bridge/cli": "npm:^0.6.4"
     "@types/jest": "npm:^29.5.14"
     async-mutex: "npm:^0.5.0"
     deepmerge: "npm:^4.2.2"
     jest: "npm:^29.7.0"
+    nock: "npm:^13.3.1"
     ts-jest: "npm:^29.2.5"
     tsx: "npm:^4.20.5"
     typedoc: "npm:^0.25.13"