Switchback

01 / Savings on Arc

We find, move,and keep yourUSDC at thebest rate.

Start saving →See the lenders

02 / The lenders

AaveLender · v4 Core USDC
MorphoLender · Vault V2
SteakhouseCurator · Prime USDC
GauntletCurator · USDC Prime
KeyrockCurator · Prime USDC
ArcChain · USDC for gas
000Lenders listed
000%Of the interest is our fee
000hBefore a new lender counts
000Pause switches on withdrawals

03 / What it is

Switchback is a savings vault on Arc. You deposit USDC once, and it sits with whichever lender pays more: Aave or a Morpho vault.

A keeper checks the rates every ten minutes and moves everything when another lender has paid at least half a percent more. You can withdraw at any time.

04 / The problem

Rates move.Savings shouldn'tsit still.

Lending rates on Arc swing with every loan. One week Aave pays more, the next a Morpho vault does. Following that by hand takes four transactions and your attention.

Most savers pick a lender once and never look again.

05 / What changes

We sit betweenyour USDC andevery lender.

You hold one balance. Behind it, the vault keeps the money in a single lender at a time and moves all of it when the numbers say so.

Rates checked every 10 minutes Moves only for +0.50% One transaction, all or nothing

Live routing

Arc mainnet

AAave v4AAVE · —NOWSSteakhouseMORPHO · —GGauntletMORPHO · —KKeyrockMORPHO · —$YOUR USDCSWITCHBACK

06 / Why people use it

Reason 1

Rates move.Deposits sit still.

Lending rates on Arc change with every loan taken and repaid. A deposit left in one place earns what that place pays, even after another lender starts paying more.

06 / Why people use it

Reason 2

Four lenders,checked by hand

Aave and three Morpho vaults each quote their own rate. Comparing them, withdrawing, approving and depositing again is a morning of transactions, every time the lead changes.

06 / Why people use it

Reason 3

Money thatstays yours

The vault can only move USDC between the lenders it lists. A new lender waits 48 hours in public before it counts, and withdrawals have no pause switch.

01

Earn the best rate,not a rate

Your balance follows the lender that pays most among the four listed, without you signing anything.

02

Rules writteninto the contract

What the keeper may do, how long a new lender waits, and the fee are all fixed on chain.

03

One fee, only onwhat you earn

10% of the interest, taken as vault shares. Nothing on deposits, nothing on withdrawals.

08 / The terms

We keep 10% of the interest and nothing else. No deposit fee, no withdrawal fee, no lockup.

Fee10% of the interest the vault earns, minted to the fee wallet as vault shares
Deposit cap$10,000 across all savers while the vault is new
When it movesAnother lender must pay at least 0.50% more over six hours, on two checks in a row, and never twice within six hours
New lendersProposed in public and usable only after 48 hours, so anyone can leave first
The keeperCan switch between listed lenders and put idle USDC to work. It cannot send USDC anywhere else
WithdrawalsNo pause switch. Paid from idle USDC first, then from the lenders' available cash
RiskLending carries risk and these contracts are not audited. Start small

09 / On the record

Every move,on the record

“The vault is live. Nothing has moved yet.”

Vault 0xD5b4…745b

“Rates are checked every ten minutes.”

Keeper 0x3F55…A026

———

10 / Start

Let's putyour USDCto work.

Start saving →Sign in with Google or email. Gas on Arc is paid in USDC.