Earn

Automatically earn yield on your funds in Fluidkey.

Fluidkey auto-earn allows you to earn yield on selected tokens as soon as they are added to your account.

Overview

To change your auto-earn settings, click the amount earned just under the total balance in your dashboard. You can choose between the following profiles:

• Core: This is the default profile, it deposits into a fixed set of battletested vaults from Morpho and Aave.

• Disabled: This profile disables the auto-earn feature for the account.

Audits

The Fluidkey Earn module has successfully undergone a security audit by Ackee. You can find the audit report here.

Yield sources

The core profile uses Morpho and Aave under the hood. Morpho and Aave are battletested lending protocols that have been thorougly audited. For Morpho, pools curated by Gauntlet have been selected for this feature. Gauntlet is a crypto firm that specializes in providing risk management and financial modeling for defi protocols.

More specifically, the following lending pools are currently being used for this feature:

Name	Profile	Chain	Address	Min. Amount
Gauntlet USDC Prime	Core	Base	0xeE8F4eC5672F09119b96Ab6fB59C27E1b7e44b61	$1
Gauntlet EURC Core	Core	Base	0x1c155be6bC51F2c37d472d4C2Eba7a637806e122	$1
Gauntlet WETH Core	Core	Base	0x6b13c060F13Af1fdB319F52315BbbF3fb1D88844	$1
Gauntlet cbBTC Core	Core	Base	0x6770216aC60F634483Ec073cBABC4011c94307Cb	$1
Gauntlet USDC Prime	Core	Ethereum	0xdd0f28e19C1780eb6396170735D45153D261490d	$100
Gauntlet USDT Prime	Core	Ethereum	0x8CB3649114051cA5119141a34C200D65dc0Faa73	$100
Gauntlet WETH Prime	Core	Ethereum	0x2371e134e3455e0593363cBF89d3b6cf53740618	$100
Gauntlet cbBTC Core	Core	Ethereum	0xF587f2e8AfF7D76618d3B6B4626621860FbD54e3	$100
Gauntlet wBTC Core	Core	Ethereum	0x443df5eEE3196e9b2Dd77CaBd3eA76C3dee8f9b2	$100
Gauntlet DAI Core	Core	Ethereum	0x500331c9fF24D9d11aee6B07734Aa72343EA74a5	$100
Gauntlet EURC Core	Core	Ethereum	0x2ed10624315b74a78f11FAbedAa1A228c198aEfB	$100
Aave USDC	Core	Arbitrum	0x7CFaDFD5645B50bE87d546f42699d863648251ad	$1
Aave USDT	Core	Arbitrum	0xb165a74407fE1e519d6bCbDeC1Ed3202B35a4140	$1
Aave WETH	Core	Arbitrum	0x352F3475716261dCC991Bd5F2aF973eB3D0F5878	$1
Aave DAI	Core	Arbitrum	0xc91c5297d7E161aCC74b482aAfCc75B85cc0bfeD	$1
Aave GHO	Core	Arbitrum	0xD9FBA68D89178e3538e708939332c79efC540179	$1
Aave USDC	Core	Polygon	0x2dCa80061632f3F87c9cA28364d1d0c30cD79a19	$1
Aave USDT	Core	Polygon	0x87A1fdc4C726c459f597282be639a045062c0E46	$1
Aave WETH	Core	Polygon	0xb3D5Af0A52a35692D3FcbE37669b3B8C31dddE7D	$1
Aave DAI	Core	Polygon	0x83c59636e602787A6EEbBdA2915217B416193FcB	$1
Aave wPOL	Core	Polygon	0x98254592408E389D1dd2dBa318656C2C5c305b4E	$1
Aave WETH	Core	Optimism	0x352F3475716261dCC991Bd5F2aF973eB3D0F5878	$1
Aave USDC	Core	Optimism	0x7CFaDFD5645B50bE87d546f42699d863648251ad	$1
Aave USDT	Core	Optimism	0x7CFaDFD5645B50bE87d546f42699d863648251ad	$1
Aave DAI	Core	Optimism	0xc91c5297d7E161aCC74b482aAfCc75B85cc0bfeD	$1
Aave GNO	Core	Gnosis	0x2D737e2B0e175f05D0904C208d6C4e40da570f65	$1
Aave wxDAI	Core	Gnosis	0x7f0EAE87Df30C468E0680c83549D0b3DE7664D4B	$1
Aave EURe	Core	Gnosis	0x8418D17640a74F1614AC3E1826F29e78714488a1	$1
Aave WETH	Core	Gnosis	0xD843FB478c5aA9759FeA3f3c98D467e2F136190a	$1
Aave USDC	Core	Gnosis	0x270bA1f35D8b87510D24F693fcCc0da02e6E4EeB	$1
Aave USDC.e	Core	Gnosis	0xf0E7eC247b918311afa054E0AEdb99d74c31b809	$1

As we expand this feature to more tokens and chains, the list of yield protocols and pools used will be updated in this section. We will only add protocols and pools that have been thoroughly audited and are battletested.

How it works

When auto-earn is enabled, the stealth addresses generated for your account will have the Fluidkey Earn module enabled with the abovementioned lending pools.

This allows Fluidkey to automatically move funds on behalf of your stealth addresses into these lending pools when you receive them. For security reasons, the scope of the module is extremely limited, such that Fluidkey cannot move funds anywhere else than the pools listed above. Only amounts that are above the minimum amount listed above will be automatically moved into the lending pools.

You will see the amount earned from this feature in the top right corner of the Funds section in your dashboard.

In order to spend funds that are currently earning yield, no extra action is required from you. For example, when you want to send USDC on Base, you can just send USDC from your balance as usual and funds will be automatically taken from the lending pool in the same transaction.

Yield computation and fees

All amounts displayed in your dashboard are net of fees, meaning that the amount you see is the amount you can spend. The yield percentage displayed is based on the daily APY of the lending pool.

Fluidkey takes a fee of 10% on the yield generated by this feature (e.g. if you earn 4% yield, we take a fee of 0.4%) as well as any protocol rewards. The more you earn, the more we earn alongside you.