USDC · Base · non-custodial
Your dollars,
held to the vertical.
One deposit in USDC. Plumb spreads it across pre-vetted lending vaults on Base, caps every position, and moves only when the numbers justify the gas. No lockup, no leverage, no token.
- Yield right now
- 4.01%
- Net of execution costs
- Since Jul 24, 2024
- +10.74%
- Aave v3 USDC alone: +9.71%
- Rebalances
- 40
- Costing 0.001% of yield a year
- Fees
- 0%
- No entry, exit or management fee
Why Plumb
Three rules, and they never bend.
Nothing concentrated
Every vault has a cap it cannot exceed, from 12% to 30% of the portfolio. One isolated accident cannot take the whole thing down — that is the only protection that actually holds in DeFi.
Slow signals only
A yield eroding, a TVL bleeding, an APY suspiciously above its peers. The engine waits at least fourteen days between two moves and ignores noise. Discipline beats reaction time here.
Verifiable, not promised
Every position links to the protocol's own app and to its balance on Basescan. The full allocation history is on screen. A yield is easy to promise; a trajectory can be checked.
The loop
What happens to a dollar you deposit.
- 01
You deposit USDC on Base
Your wallet, your keys, one asset. No swap, no bridge, no wrapped token. Base is the chain because a rebalance there costs a fraction of a cent — the strategy only makes sense where moving is cheap.
- 02
The engine reads the market daily
Yields, TVL and their trends for every whitelisted vault, from public data. It scores each one on the last seven and thirty days — never on today's headline APY, which is the number designed to attract you.
- 03
It moves only when it is worth the gas
Below a drift threshold, nothing happens. Empty months are the normal state of a disciplined portfolio. A degrading vault is the exception: it gets liquidated at the next decision without waiting for the delay.
- 04
Part of it never leaves
A liquidity buffer stays uninvested at all times, so a withdrawal does not depend on a vault having room. In a panic everyone exits at once and vaults lock up — that buffer is the answer.
The whitelist
Where the money is allowed to go.
7 vaults, all USDC, all on Base, each with a hard cap on the share of the portfolio it can hold. The list is written by hand and the signing policy refuses any address that is not on it — a vault cannot slip in by accident.
Aave v3 USDC
Aave DAO · on Aave
30%
max
Gauntlet USDC Prime
Gauntlet · on Morpho
25%
max
Fluid USDC
Fluid · on Fluid
25%
max
Steakhouse Prime USDC
Steakhouse Financial · on Morpho
20%
max
Steakhouse USDC
Steakhouse Financial · on Morpho
20%
max
Moonwell Flagship USDC
Moonwell · on Morpho
15%
max
Spark USDC Vault
Spark · on Morpho
12%
max
The honest part
What this bot cannot do.
It does not dodge exploits. A hack, an oracle manipulation or a depeg happens in one block. No bot gets out before — it gets out after, at an already collapsed value. Entire risk teams fail at this too.
It does not chase the highest yield. An APY far above its peers is treated as a risk signal and capped, not as an opportunity. Chasing the top yield works nine times and wipes everything out the tenth.
It does not guarantee you can exit. In a panic, vaults lock up. The buffer covers ordinary withdrawals, not a bank run on the whole market.
It does not know its cost to the cent. Gas is estimated, and the backtest ignores slippage and real withdrawal limits. The order of magnitude holds, not the decimal.
FAQ
The questions people actually ask.
Do you hold my funds?
No. The funds sit in your own wallet and in the vault contracts themselves. The engine can only call deposit and withdraw on addresses declared in a signing policy — it cannot send your USDC anywhere else, including to us.
What does it cost?
No entry fee, no exit fee, no management fee. The only cost is the gas of rebalancing on Base, which is deducted from the displayed yield rather than hidden beside it.
Why only USDC, and why only Base?
One asset means no exchange-rate risk on top of the yield risk. One chain with near-zero fees means rebalancing is affordable enough to be worth doing. Adding either dimension would add risk before it added return.
Where does the yield come from?
Overcollateralized lending. Borrowers post more collateral than they take out and pay interest for it; you are on the lending side. It is the oldest and dullest source of yield in DeFi, which is exactly why it is the one used here: no farming, no points, no token emissions propping up the rate.
Are the numbers on this site real?
They come from a simulation replaying real public data day by day since the start date, without ever seeing the future. Real capital is not deployed yet, and the site says so everywhere it shows a figure.
How often does it trade?
Rarely. Fourteen days minimum between two rebalances, and only when the allocation has drifted far enough from its target to pay for the move. The bot journal on the simulation tab lists every single decision it has ever made.
Deposit, and stop watching.
The whole trajectory is public, day by day, since Jul 24, 2024. Read it before you trust it.
Simulation on real public data. No funds are deposited and no transaction is broadcast. Past performance is no guarantee of future results.