Clixpesa Savings

Clixpesa’s savings feature continuously optimizes your savings to get the best net yield while keeping safety front and center. Everyday our system runs a full evaluation of the supported protocols and — only when it’s worthwhile after fees and risk — reallocates funds to improve the pools net return.

How the daily evaluation works

Every 24 hours, our system performs a full, automated evaluation of the protocols we support. The evaluation checks whether moving funds would increase our net yield after transaction costs and risk adjustments. If the move improves the outcome, Clixpesa will reallocate. If not, we hold steady and only act when it’s worth it.

What we analyze

• Base and boosted APYs — current yields on Base and any temporary boosts or incentives.
• Liquidity depth and utilization — can the market handle the size of the move without slippage or rate collapse.
• On-chain risk signals — protocol health, audit status, exploit alerts and other safety indicators.
• Time-sensitive rewards and ecosystem incentives — short-term boosts that may make a move profitable.
• Gas costs vs expected gain — transaction costs weighed against projected yield improvements.

How it works for you

1. Create a saving goal: Easily set up a new saving goal on our app.
2. Onchain Conversions: Deposit any USD stable asset and this will be converted to USDC for saving protocal.
3. Earn yield: You assets start earning yield 24 hours after deposit.
4. Cash out at any time: Your funds are not locked. You can cash out at anytime.

Earnings based on different tiers

Depending on your total deposit size - the cummulative amount across all your saving goals - you unlock one of three yield tiers:

Tier	Deposit (USDC/USDT)	Typical APY uplift*
Silver	$1 – $2,500	baseline
Gold	$2,500 – $10,000	+4.13% APY boost
Platinum	$10,000+	+8.72% APY boost

*APY boost figures reflect how execution and access to incentives can tighten optimization — actual yield varies with market conditions.

Why tiering matters: higher tiers let us react more often to fleeting opportunities, enabling tighter optimization, faster rebalancing, and better capture of dynamic incentives.

Monitoring & safety

Clixpesa continuously monitors and reallocates saved USDC across vetted DeFi protocols on Base while operating within strict security boundaries. Safety controls include risk-signal thresholds, protocol whitelisting, and conservative reallocation rules so your funds aren’t moved for marginal gains or when risk is high.

Where yield comes from

Clixpesa combines multiple, complementary yield sources to diversify returns and control risk.

🔵 Morpho Vaults

Morpho’s vaults automate lending decisions across high-quality markets. Clixpesa allocates to a curated set of vaults to access diversified, strategy-optimized lending yields without losing composability or safety:

• Seamless USDC Vault — curated by Gauntlet; targets high-demand lending markets and dynamic rates.
• Spark USDC Vault — operated by SparkDAO; efficient liquidity provisioning for Morpho Blue pools.
• Steakhouse USDC Vault — Steakhouse Financial; lends USDC against blue-chip crypto and RWA collateral.
• Gauntlet USDC Prime — Gauntlet-curated; optimizes for risk-adjusted yield in high-liquidity markets.
• Clearstar OpenEden USDC — managed by Clearstar; targets USDO markets (regulated, treasury-backed).

These vaults let Clixpesa access diversified lending performance with mature risk tooling.

🟣 Aave v3

Aave v3 offers advanced risk management and capital efficiency:

• Efficiency Mode (eMode) for higher effective LTVs on correlated assets.
• Isolation Mode to contain risk when onboarding newer assets. Clixpesa routes to Aave when its market structure and incentives outperform other options — especially during periods of high utilization.

🌕 Moonwell

Moonwell is a native Base lending market with deep liquidity and stable rewards:

• Single-sided lending pools — lend USDC without managing LP pairs.
• Cross-chain USDC lending — leverages CCTP for broader optionality. When markets are simple and stable, Moonwell often delivers the best net return with minimal complexity.

💧 Fluid

Built by Instadapp, Fluid is a lending aggregator that blends performance and risk tooling:

• Aggregated liquidity across markets for better rate efficiency.
• Advanced risk controls, including partial liquidations and higher safe LTVs. Clixpesa uses Fluid when flexible routing can improve performance without adding unnecessary risk.

Our workflow is simple

1. Clixpesa scans — collects APYs, liquidity, on-chain signals, incentives and gas estimates.
2. Decision engine simulates net outcomes (after fees & slippage).
3. If net gain > threshold and risk profile acceptable → execute reallocation.
4. If not → hold and re-evaluate at the next scheduled scan.

Final note

Clixpesa’s savings feature is designed to capture meaningful yield intelligently and safely — combining automated daily evaluation, personalized execution, and diversified, vetted yield sources so your stablecoin savings work harder for you without unnecessary risk.