How MORE works
The whole pipeline: volume indexed in USD, a pending save at your rate, and on-chain routing into your buckets.
MORE runs one pipeline: measure real trading volume, skim a slice, route it into buckets. Here is each stage in the order it runs. Prefer the narrative version? Read How MORE Actually Works on Learn.
The flow
Trade → volume indexed in USD → pending save accrues → collection quoted → routed on-chain into your buckets.
1. You connect once
Sign in with Google, email, or a passkey. Behind that login, Turnkey creates a dedicated sub-organization holding your savings wallet: keys are generated and stored in Turnkey's hardware-backed infrastructure, and only your authentication can use them. Then you connect the trading wallets you already use - EVM and Solana.
2. Your volume is indexed in dollars
MORE indexes swaps from your connected wallets across Ethereum, BNB Chain, Base, Solana, HyperEVM, Arbitrum One and Robinhood Chain. Robinhood Chain activity is read through its Blockscout explorer API; the other chains stream through a multi-chain indexing provider.
Three details matter:
- Volume is recorded in USD at the time of each swap, as immutable per-swap events - not native-token guesses.
- Token-to-token swaps count. You do not need a stablecoin leg in the trade to get credit for the volume you actually moved.
- Counterfeit defense. A token that merely claims a stablecoin ticker is not priced as a dollar. Stable pricing is pinned to canonical token addresses per chain, so spoofed tickers cannot inflate volume.
3. A pending save accrues
You choose a savings rate between 1% and 3%. As indexed volume grows, your pending save grows at that rate. When it crosses the minimum collection threshold - set so gas never eats a tiny save - a collection becomes ready.
4. The collection is planned and quoted
A collection gathers your pending save and plans the route into your bucket mix:
- Savings that originate on other chains are bridged with exact-output quotes via Relay - the amount that arrives is the amount that was quoted.
- Trading on Arbitrum needs no bridge at all: Arbitrum One is the savings home chain.
- The USDG Yield sleeve settles separately on Robinhood Chain in USDG.
5. It routes on-chain through the BucketRouter
The BucketRouter smart contract receives the collection in the chain's settlement dollar (USDC on Arbitrum, USDG on Robinhood Chain), applies the fee split, and forwards each bucket's leg through a dedicated adapter:
| Bucket | What its adapter does |
|---|---|
| USDC Cash | Holds native USDC - no conversion, always liquid |
| Bitcoin (WBTC) | Swaps USDC → WBTC on Uniswap v3, guarded by a Chainlink BTC/USD price check |
| Morpho USDC Yield | Deposits USDC into the Morpho Steakhouse High Yield USDC vault (ERC-4626) |
| Aave USDC Yield | Supplies USDC to the Aave v3 pool |
| USDG Yield | Deposits USDG into the Morpho Steakhouse USDG vault on Robinhood Chain |
Every step is a plain, auditable on-chain transaction from your own savings wallet.
6. You watch the pile grow
The dashboard shows your buckets, lifetime saved, pending save, points and level, and the opt-in leaderboard. Points accrue automatically - see Points, levels & referrals.
Status: staged rollout
Honesty first: the indexing pipeline, the collection planner, and the contracts are built and tested, the contracts are live on Arbitrum One and Robinhood Chain, and the first live collections have executed on-chain. Auto-collection is being enabled account-by-account - until your account is enabled, collections are planned and quoted but not executed on-chain.