Key Facts
| Question | Short answer |
|---|---|
| What asset does Earn use today? | USDC |
| Where does yield come from? | Approved Kamino single-asset lending reserves |
| Where do funds sit? | In your Earn smart-account vault |
| Who approves setup and exits? | You, through your connected wallet |
| Who can optimize after setup? | A delegated signer that can only use approved policy paths |
| What is the optimization style? | Same-mint USDC movement between approved reserves |
Why Earn Exists
Leaving USDC in one reserve is simple, but rates move. One reserve can pay the best rate this morning and fall behind by the afternoon. Earn watches the approved USDC reserve set and can move your position when a better same-mint route is available. The important part is the boundary. Loyal is not asking for general wallet access. It uses a smart-account policy that limits what automation can submit.Same-mint means USDC stays USDC. The current Earn flow does not need to swap into another stablecoin to optimize.
What Happens At A High Level
You connect and approve
You connect your Main Account and approve the Earn setup, deposit, withdrawal, or Autodeposit action.
Funds move into the Earn vault
Your Earn vault is a smart-account-controlled address. It is separate from your Main Account.
Policies define the allowed actions
Policies say which programs may be called. They also require the expected Earn vault, USDC mint, Kamino market, and instruction shape.
The orchestrator checks for better routes
The worker reads chain state, market data, and policy state before any move.
Start Here
Your Earn Account
Learn the difference between your Main Account and the Earn vault.
Policies
See what automation can and cannot do.
Same-Mint Optimization
Understand how Earn compares USDC reserves.
Autodeposit
Keep a floor in your wallet and move the surplus into Earn.