MoneyFi — Cross-Chain Auto-Earn

Earning yield on stablecoins across many chains is real work. Finding the best pools on Ethereum, Arbitrum, Optimism, Base and a dozen other chains means watching rates all the time, counting gas costs and moving funds around, and even experienced DeFi users struggle to keep up.

MoneyFi does that work for the user. You deposit USDC into one vault. The SMF (Smart Money Flow) mechanism, written in Rust and Solidity with Move contracts for some chains, keeps comparing yields across the connected protocols and moves deposits to the pools paying the most at that moment.

There is no lock-up. Most yield products ask you to commit funds for a fixed period; MoneyFi lets you deposit and withdraw at any time. Locked positions usually earn a bit more, but users who might need their money back are not penalised for joining.

Since launch the platform has recorded an average APY of 17.73% on stablecoin deposits, by catching yield differences between chains that are hard to chase by hand. The live dashboard shows each chain's TVL, how deposits are split and the current APY, so users can always see where their money is.