> ## Documentation Index
> Fetch the complete documentation index at: https://docs.askloyal.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Safety And FAQ

> What Earn protects, what it cannot promise, and answers to common questions.

Earn is built to make useful automation possible without turning Loyal into a custodian. The safety model is policy-based: actions must match the approved smart-account rules before they can execute.

The tradeoff is important. Policies can limit what automation does, but they cannot make lending risk disappear or guarantee a future APY.

## What Earn Protects

Earn automation cannot freely spend from your Main Account. Optimization must target the Earn vault, and the current Earn route keeps USDC as USDC. Autodeposit can move only eligible surplus above the chosen floor.

Confirmed Earn history is written after chain confirmation. Live holdings are checked from on-chain accounts.

## What Earn Cannot Promise

Earn cannot promise a fixed APY or guaranteed outperformance versus every manual strategy. It also cannot remove Kamino, Squads, Solana, USDC, oracle, or lending-market risk.

Autodeposit is not instant. If the policy or account state is not ready, Earn should wait instead of forcing a route.

## Frequently Asked Questions

<AccordionGroup>
  <Accordion title="Can Loyal withdraw all my funds?">
    No. Earn automation is limited by smart-account policies. The route policy targets the Earn vault and approved Kamino USDC actions. Autodeposit is limited to eligible surplus above your wallet floor and sends it to the Earn vault.
  </Accordion>

  <Accordion title="Does Earn custody my wallet?">
    No. You keep your wallet. Loyal prepares transactions, and you approve setup plus manual deposit, withdrawal, or revocation actions. Automation operates through policy-bounded smart-account execution.
  </Accordion>

  <Accordion title="Why can Earn beat a static reserve?">
    Because a static reserve can fall behind when another approved USDC reserve raises its rate. Earn can compare the approved set and move when a same-mint route has enough edge and passes policy checks.
  </Accordion>

  <Accordion title="Does same-mint mean no swaps?">
    For current Earn USDC optimization, yes. Same-mint means the source and target positions use the same token mint: USDC.
  </Accordion>

  <Accordion title="Why did Earn not rebalance?">
    The safe answer may be to wait. The orchestrator can skip if there is no positive edge, a route is not same-mint, a policy does not allow the path, an account is missing, or another decision is already active.
  </Accordion>

  <Accordion title="Why can the live balance and history differ briefly?">
    Live balance comes from Solana RPC and Kamino account state. History is written after confirmation and reconciliation, so it can lag the chain view for a short time.
  </Accordion>

  <Accordion title="Can I turn Autodeposit off?">
    Yes. You can pause new sweeps. To remove the on-chain authority entirely, use the close flow so the recurring delegation and Autodeposit policy are revoked.
  </Accordion>

  <Accordion title="What risks remain?">
    Earn still depends on Solana and Squads Smart Accounts. It also depends on Kamino lending markets, the USDC asset, and Loyal automation. Policies reduce the execution surface, but protocol and market risk remain.
  </Accordion>
</AccordionGroup>