The savings buckets
Curated on-chain strategies your savings route into - liquid dollars, Bitcoin, and reviewed yield vaults.
A bucket is a curated on-chain savings strategy. Your savings split across buckets by percentages you control, and every bucket settles as tokens in your own savings wallet - never in MORE's custody.
The launch lineup
| Bucket | Yield / status | Risk | Settles on |
|---|---|---|---|
| USDC Cash | Always liquid | Low | Arbitrum One |
| Bitcoin (WBTC) | BTC exposure | Medium | Arbitrum One |
| Morpho USDC Yield | Variable APY · Morpho | Medium | Arbitrum One |
| Aave USDC Yield | Variable APY · Aave v3 | Medium | Arbitrum One |
| USDG Yield | USDG Earn | Medium | Robinhood Chain |
USDC Cash
The cash sleeve. Collections settle in native Circle USDC on Arbitrum and simply stay there - always liquid, no conversion, no strategy risk. This is also the settlement asset the other Arbitrum buckets convert from, which is why it can never be removed from the lineup.
Bitcoin (WBTC)
Dollar-cost averages into Bitcoin as you trade. USDC is swapped into WBTC - the liquid Bitcoin token on Arbitrum - through the deep Uniswap v3 USDC/WBTC pool, and every swap is sanity-checked against Chainlink's BTC/USD price feed before it executes.
Morpho USDC Yield
USDC deposited into the Steakhouse High Yield USDC vault (bbqUSDC) on Morpho, an ERC-4626 lending vault on Arbitrum. The rate is variable, comes from Morpho's lending markets, and is never guaranteed. Deposits made before September 2026 sit in the earlier Gauntlet USDC Core vault, which closed to new deposits - those balances remain yours and stay visible in your portfolio.
Aave USDC Yield
USDC supplied to the Aave v3 pool on Arbitrum, earning Aave's variable USDC supply rate. Same idea as the Morpho bucket with a different, longer-running venue.
USDG Yield
The Robinhood Chain sleeve. USDG (Paxos' Global Dollar, the settlement dollar on Robinhood Chain) is deposited into the Morpho Steakhouse USDG vault - the same reviewed vault that powers Robinhood Earn. This bucket has no eligibility gate and is available to US users. Its Robinhood Chain adapter is deployed, so you can allocate to it and it routes today.
Preset mixes
Presets are quick-fill templates - they pre-fill a mix which stays fully yours to edit:
- Safety - Cash-heavy dollar savings with a reviewed yield sleeve. 60% USDC Cash · 10% Bitcoin (WBTC) · 10% Morpho USDC Yield · 10% Aave USDC Yield · 10% USDG Yield.
- Balanced - Balanced dollar savings across cash, BTC, and reviewed yield. 20% USDC Cash · 30% Bitcoin (WBTC) · 20% Morpho USDC Yield · 10% Aave USDC Yield · 20% USDG Yield.
- Growth - BTC- and yield-heavy dollar savings. 10% USDC Cash · 40% Bitcoin (WBTC) · 25% Morpho USDC Yield · 15% Aave USDC Yield · 10% USDG Yield.
Tokenized stocks and what comes later (honest status)
- Tokenized stocks. 18 of the 25 verified stock and ETF tokens on Robinhood Chain are live as buckets today - available 24/7, with no eligibility gate. These tokens are issuer-backed trackers of a share's price, not the underlying equity. MORE only distributes them into your own savings wallet; any regional restriction is enforced by the downstream venues where a holder later trades or redeems them, not by MORE. The remaining 7 tickers stay gated until their pool parameters are verified.
- Gold. A planned sleeve. The gold price feed is pinned on Arbitrum, but tokenized-gold liquidity is currently too thin to route responsibly, so it stays gated until a credible reviewed gold token exists.
Getting your funds out
No lockups, no penalties, no waiting periods. Because MORE is non-custodial, you move funds yourself: export your savings-wallet private key (or use its address) and send from any wallet app. Your buckets settle as ordinary tokens and vault positions in your own wallet. See Security & custody.