Smart Allocation
Smart Allocation is a one-click portfolio builder that suggests a diversified set of 3 vaults based on your risk tolerance.
Allocation profiles
| Profile | Strategy | Vault selection | Weight balance |
|---|---|---|---|
| Conservative | Capital preservation first | Picks the 3 lowest-risk vaults | 75% safety, 25% APY |
| Balanced | Best risk-adjusted APY | Sorts by risk-adjusted return, picks top 3 | 50% safety, 50% APY |
| Aggressive | Maximum yield | Picks the 3 highest-APY vaults | 20% safety, 80% APY |
How allocations are built
flowchart TD
A[All vaults] --> B[Build pool: redeemable + positive APY]
B --> C[3-tier stablecoin fallback]
C --> D[Deduplicate by token+protocol+chain]
D --> E[Sort by profile strategy]
E --> F[Pick top 3 vaults]
F --> G[Compute weights based on safety/APY balance]
Pool building (3-tier fallback)
To guarantee Smart Allocation never shows 0% APY for any profile:
- Tier 1: Stablecoins passing the anomaly filter (APY < 60%)
- Tier 2: All stablecoins with positive APY (relaxes anomaly check)
- Tier 3: Any redeemable vault with positive APY (broadest fallback)
Deduplication
To avoid recommending the same vault twice, vaults are deduplicated using:
key = token_symbol + "|" + protocol_name + "|" + chain_id
Weight computation
Once 3 vaults are selected, allocation weights are computed dynamically:
weight[i] = safeShare[i] × safeFactor + apyShare[i] × apyFactor
- safeShare — inverse risk score (safer vaults get more weight)
- apyShare — proportional to 30-day APY
- safeFactor — 0.75 for Conservative, 0.50 for Balanced, 0.20 for Aggressive
This means Conservative allocates most capital to the safest vault, while Aggressive concentrates on the highest-yielding one.
Anomaly filtering
Smart Allocation excludes high-risk stablecoins — stablecoin vaults with APY above 20% are hidden from all suggestions. This prevents "too good to be true" pools (e.g. USD1 with 40%+ APY) from entering the allocation.
Stablecoins are detected via both LI.FI tags and a 40+ symbol allowlist including USDC, USDT, DAI, FRAX, GHO, crvUSD, and more.
Using Smart Allocation
- Go to the Discover tab
- The Smart Allocation section shows three profile cards at the top
- Click a profile to see the suggested vaults with projected yearly earnings
- Enter your investment amount
- Click to deposit — the modal opens pre-filled with the correct per-vault amount
Smart Allocation is a suggestion — you always choose which vaults to deposit into.