Idle stablecoins should never sit still.
Idle stablecoins earn in vetted vaults; spending just-in-time unwinds only the exact amount you need.
Park idle USDC/USDT in vetted on-chain vaults (Aave v3 and ERC-4626 venues like Morpho and Sky). When you spend, the app unwinds the exact shortfall just-in-time, so your money keeps earning right up to the moment it leaves. The rates you see are observed, measured from the vault's actual on-chain performance, not projected.
A 0–100 Yield Safety Score drives risk-adjusted routing, and Treasury Auto-Defense can exit a position to liquid USDC the instant a safety breach is detected, and alert you.
Our fee is a small share of the yield you earn — never your principal — collected only when you withdraw, and shown in the app before you sign. If you earn nothing, you pay nothing.
Questions & answers
Earn, yield on idle: common questions
Does the Earn feature take custody of my stablecoins?+
No. Idle stablecoins are deposited into vetted on-chain vaults you control (Aave v3 and ERC-4626 venues like Morpho and Sky). The optional automation is cryptographically scoped to withdraw only back to your own address, capped by amount and time.
What happens to my yield when I spend?+
Spending unwinds only the exact shortfall just-in-time, so the rest of your balance keeps earning right up to the moment money leaves your wallet.
What is the Yield Safety Score?+
A 0–100 score that rates each vault's risk and drives risk-adjusted routing. Treasury Auto-Defense can automatically exit a position to liquid USDC the instant a safety breach is detected, then alert you.