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8:00100%
PlutusMorning brief

Good morning. Here’s what happened overnight.

Daily digest

Normal night
Earned overnight+$5.40About $164 a month, $1,971 a year at today’s rates.
Portfolio
$48.2K
Blended APY
4.09%
Holdings
5
Worth watching: Morpho USDC now earns less than Aave v3 USDC.
  • Aave v3 USDC$557/yr
  • Morpho USDC$471/yr
  • Lido stETH$292/yr
  • Ethena sUSDe$454/yr
  • Pendle PT-USDe$197/yr
Simple accrual at today’s rates. Rates change; not a guarantee.
Worth your attention
  1. One rate movedMorpho USDC fell 31% this week and now pays under Aave v3 USDC.
Positions
PositionValueAPYOvernight
  • Aave v3 USDCUSDC · Base$14.5K
    3.84%+0.02 pp
    +$1.53
  • Morpho USDCUSDC · Base$12.4K
    3.8%−1.71 pp
    +$1.29
  • Lido stETHstETH · Ethereum$9.1K
    3.21%Unavailable
    +$0.80
  • Ethena sUSDesUSDe · Ethereum$6.3K
    7.2%+0.1 pp
    +$1.24
  • Pendle PT-USDePT-USDe · Ethereum$2.9K
    6.8%0 pp
    +$0.54

Built on Yield.xyz, the infrastructure behind 200+ wallets and fintechs

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Every kind of yield

Every market. One conversation.

  • 3,300+yield opportunities
  • 80+blockchain networks
  • Oneintelligent experience

  • Staking

    Native staking, liquid staking and restaking for supported assets.

  • Lending

    Lending markets compared on rates, liquidity and protocol conditions.

  • Vaults

    Managed and automated strategies, with returns, risks and withdrawals made clear.

  • DeFi

    Opportunities across decentralized protocols, in one consistent experience.

  • Tokenized real-world assets

    Eligible tokenized Treasuries, money-market funds and other real-world asset products.

Discover. Analyze. Track. Execute.

The product

Your money, understood. Every morning.

Daily digestEverything that matters.

Daily digest

Normal night
Earned overnight+$5.40About $164 a month, $1,971 a year at today’s rates.
Portfolio
$48.2K
Blended APY
4.09%
Holdings
5
Worth watching: Morpho USDC now earns less than Aave v3 USDC.
  • Aave v3 USDC$557/yr
  • Morpho USDC$471/yr
  • Lido stETH$292/yr
  • Ethena sUSDe$454/yr
  • Pendle PT-USDe$197/yr
Simple accrual at today’s rates. Rates change; not a guarantee.
Worth your attention
  1. One rate movedMorpho USDC fell 31% this week and now pays under Aave v3 USDC.
Positions
PositionValueAPYOvernight
  • Aave v3 USDCUSDC · Base$14.5K
    3.84%+0.02 pp
    +$1.53
  • Morpho USDCUSDC · Base$12.4K
    3.8%−1.71 pp
    +$1.29
  • Lido stETHstETH · Ethereum$9.1K
    3.21%Unavailable
    +$0.80
  • Ethena sUSDesUSDe · Ethereum$6.3K
    7.2%+0.1 pp
    +$1.24
  • Pendle PT-USDePT-USDe · Ethereum$2.9K
    6.8%0 pp
    +$0.54

Portfolio healthThe risks behind your returns.

Portfolio health

85B · Sound
Blind spot: The score cannot see systemic risk yet.
Yield Quality pulls the score down. The Morpho USDC rate fell 31% this week and now pays under the Aave v3 USDC reference.
Read100%$48.2K of $48.2K
Not seen0%0 positions · $0.00
Six checks
  • ContractAudits, listing flags and pool depth · Morpho USDC has no rating yet90
  • YieldRate per unit of fragility · Morpho USDC now earns less than Aave; its rate fell 31% this week64
  • Concentrationlargest chain 62% (Base) · largest protocol 30% (Aave v3)90
  • Time to cash93% instant · 7% within a day98
  • SystemicNot assessed—
  • DeploymentIdle capital above the gas reserve · $3.0k idle above the gas reserve94
Time to cash
  • Instant93%
  • Within a day7%
What would raise itNo move clears its gas on this book today.
Positions
YieldValueStatus
  • base-usdc-aave-v3-lending
    USDC ·BBase
    $14.5KHealthy
  • base-usdc-morpho-gauntlet-prime
    USDC ·BBase
    $12.4KWatch
  • ethereum-eth-lido-staking
    stETH ·EEthereum
    $9.1KHealthy
  • ethereum-usde-ethena-staking
    sUSDe ·EEthereum
    $6.3KHealthy
  • ethereum-pt-usde-pendle
    PT-USDe ·EEthereum
    $2.9KHealthy

AllocationWhere your money is working.

Capital Allocation

62% of your portfolio is on Base$29.9K of your $48.2K total portfolio, wallet balance included
Inner ring: networks and wallet · Outer ring: positions and balances
WhereOf totalValue
  • BaseIn positions55.8%$26.9K
  • Aave V3 USDC30.1%$14.5K
  • Morpho USDC25.7%$12.4K
  • EthereumIn positions38%$18.3K
  • Lido stETH18.9%$9.1K
  • Ethena sUSDe13.1%$6.3K
  • Pendle PT-USDe6%$2.9K
  • Idle cashReady to put to work6.2%$3K
By protocol
  • Aave V330.1%
  • Morpho25.7%
  • Lido18.9%
  • Ethena13.1%
  • Pendle6%
By asset class
  • Stablecoin72%
  • Liquid Staking18.9%
  • Fixed Rate6%
Top 2 protocols · 56%Concentration score 0.52 · Moderate concentration · 72% stablecoinsScale: 0 is spread across holdings; 1 is concentrated in one holding

Where should I put my idle USDC?

Three options fit what you hold. Here’s how they compare on return, liquidity and risk.

Ask anything.Approve the plan.

Auto vaultsIdle cash, at work.

AutoVault · Strategy simulation

Defensive USDC Core

Ethereum
Simulated allocation
25,000USDC
Estimated blended yield3.92%
Estimated yearly return980 USDC
  • Aave45%
  • Compound30%
  • Spark25%
Where it goesAllocatedReturnAPY
AAave Ethereum USDC11,250 USDC405 USDC3.6%
CCompound Ethereum USDC7,500 USDC350 USDC4.67%
SSpark USDC6,250 USDC225 USDC3.59%
12-month projection

Month 1: 25,000 USDC · Month 12: 25,980 USDC

Projection at the supplied rates, not guaranteed returns.

Security

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  • Non-custodial by design

    Your assets stay in your wallet. Plutus never needs your private keys.

  • Read-only exploration

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  • Policy-controlled automation

    Where supported, allow specific actions within limits you define. Never unrestricted control.

Built on Yield.xyz infrastructure, with SOC 2 Type II attestation.

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Give every user a financial agent.

One agent stack for wallets, banks and fintechs. Your brand, custody and permissions stay yours.

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