Web
Full dashboard
Allocations, historic rates, transaction history and permission management in one considered interface.
Auto Yield Pte. Ltd. — Singapore
Idle dollars,
quietly at work.
earn.autos is a self-custody wallet and automated yield platform. Connect a smart account once, choose an allocation policy, and an on-chain automation layer routes your idle USDC to reputable lending reserves — rebalancing as rates move, while your funds remain withdrawable and your keys remain yours.
Allocation — conservative policy
Live
0.00%
Blended APY
- Reserve A — USDC42%
- Reserve B — USDC31%
- Reserve C — USDC19%
- Unallocated buffer8%
Last rebalance 4 min ago
Withdrawal on demand
Custody self
Illustrative interface. Rates vary and are not guaranteed.
The problem
Yield is everywhere.
Managing it is tedious.
Rates across lending reserves are fragmented and change by the hour. Chasing them manually means comparing venues, moving funds, re-approving permissions and repeating the whole exercise next week — with a new security surface each time.
01
Fragmented rates
Comparable stablecoin reserves can differ meaningfully in yield at any moment. The best venue today is frequently not the best venue next week, and nobody wants a spreadsheet habit.
02
Operational friction
Every reallocation is a sequence of approvals, transfers and confirmations. The time cost quickly exceeds the yield difference for anyone managing an ordinary balance.
03
Permission sprawl
Each new application asks for another approval that rarely gets revoked. Over months, a wallet accumulates standing permissions nobody remembers granting.
How it works
Decide once.
Let policy do the rest.
You are not delegating judgement to a black box. You set the rules; automation executes them on-chain, and every action is visible after the fact.
01
Create or connect a smart account
Bring an existing wallet or create a new smart account. Multiple wallets can sit under one view, so personal balances and team funds stay separated but manageable in one place.
02
Choose an allocation policy
Select how conservative you want to be: which reserves are eligible, the maximum share any single venue may hold, and how much stays as an unallocated buffer for immediate spending.
03
Funds are routed automatically
Idle USDC and other supported stablecoins are allocated across reputable lending reserves that meet your policy, spreading exposure rather than concentrating it in whichever venue is briefly highest.
04
Rebalanced as rates move
When yields shift materially, on-chain policies re-route capital without ever taking possession of your private keys. Withdrawals remain available; nothing is locked to earn.
05
See everything, always
A single view shows where funds sit, what they earn, every transaction that moved them, and exactly which applications or agents hold which permissions — with one-tap revocation.
Programmable controls
Automation with
a short leash.
Convenience should not require trust. Smart-account controls are enforced at the account level, so a compromised application still cannot exceed the limits you set.
Spending caps
Hard limits, not warnings
Set per-transaction and rolling-period ceilings. Anything above the cap simply does not execute, regardless of which application requested it.
Allowed destinations
Funds go where you said
Restrict transfers to an approved list of addresses and reserves. Unknown destinations are rejected by the account itself rather than caught after the fact.
Application permissions
Explicit, scoped, revocable
Every connected application holds a named permission with a defined scope. Review the full list in one place and revoke instantly without moving your funds.
Agent authority
Let software act — within bounds
Grant an automation or AI agent a narrow mandate: which actions, which assets, which limits, for how long. Authority expires rather than lingering indefinitely.
Non-custodial by construction
We cannot move what we do not hold
Allocation and re-routing execute through on-chain policies attached to your own smart account. earn.autos never takes possession of private keys, and there is no internal ledger standing between you and your balance.
daily_cap 2,500 USDC
allowed_reserves 4
agent_scope rebalance only
expiry 30 days
withdrawal always owner
Access
Wherever your
money already lives.
The same account, reachable from the surface that suits the moment — and embeddable in products built by others.
Extension
Browser companion
Approve, review and move funds without breaking flow, with policy limits enforced on every prompt.
Mobile
Pocket access
Check balances, adjust policy and withdraw from a phone — the same account, no separate custody model.
SDK
Embed the workflow
Builders can add secure earning and wallet flows to their own applications without rebuilding the controls layer.
Who it serves
Built for people who
hold working cash.
Not traders looking for leverage. People and teams whose stablecoins sit still between obligations.
Retail holders
You hold digital dollars as savings and would rather they earned something reasonable than nothing at all — without a new hobby.
“I want it handled, not gamified.”
Freelancers & contractors
Invoices arrive in stablecoins and sit idle between tax dates and expenses. Buffer rules keep spending money liquid while the rest works.
“Liquid when I need it, earning when I don't.”
Decentralised organisations
Treasury funds need visible, rule-bound management with clear permissions across multiple signers and no single point of discretion.
“Policy the whole group can audit.”
Digital-asset teams
Operating cash covering payroll and vendors should not be parked in a manual DeFi position that one person understands.
“Treasury management, not position management.”
Fees
One fee, on the
work we actually do.
We charge for yield optimisation. We do not take a cut of your principal, and there is no charge to withdraw.
-
Yield-optimisation fee
A transparent share of the yield generated — disclosed up front, shown in your statement, and never applied to principal.
-
Infrastructure & integration
Partners embedding earning and wallet workflows through the SDK may pay integration or infrastructure fees based on usage.
-
What we never charge
No deposit fee, no withdrawal fee, no management fee on idle balances, no penalty for changing or pausing your policy.
On risk, plainly
Yield is compensation for risk, and no automated strategy removes it. Lending reserves carry smart-contract, oracle, liquidity and counterparty risk; rates fluctuate and are never guaranteed. Our policies favour established, conservative venues and diversify across them, but a shortfall at a reserve can still affect deposited funds. We show you which venues hold your capital and why, so the risk you take is one you chose.
Questions
Before you deposit.
The answers that matter when the money is yours.
Do you ever hold my private keys?
Never. You keep a self-custody smart account. Allocation and rebalancing run through on-chain policies attached to that account, so we can execute the rules you set but cannot take possession of your funds.
Can I withdraw at any time?
Yes. There are no lock-ups or notice periods. Funds sit in lending reserves that support withdrawal, and your policy can reserve an unallocated buffer for immediate spending.
How is the APY determined?
It is the blended rate of the reserves currently holding your funds, net of our fee. Reserve rates are set by supply and demand at each venue and change continuously — the figure shown is current, not promised.
What does "low-risk" actually mean here?
It means established stablecoin lending reserves with meaningful liquidity and operating history, weighted so no single venue holds an outsized share. It does not mean risk-free, and we would rather say so than imply otherwise.
What happens if a reserve looks unsafe?
Your policy defines eligibility. If a venue falls outside it, the automation re-routes away from that reserve, and you can pause allocation or withdraw entirely at any moment.
Can I let an AI agent manage my allocation?
You can grant an agent a narrow, expiring mandate — for example rebalancing only, within defined caps and an approved reserve list. Withdrawal authority always stays with the account owner.
Which assets are supported?
USDC and other supported stablecoins at launch, chosen for liquidity and depth of lending markets. Additional assets are added only where reserve quality meets the same standard.
Get started
Your dollars should not
sit still for free.
Open a self-custody account, choose a policy, and let it run. Change your mind or withdraw whenever you like — that is rather the point.