01
Deposit USDG once
That is your entire job. One approval, one transaction. The vault does the rest and there is nothing to configure.
[01] Auto-optimized yield
One deposit.
Every yield.
Deposit USDG once. Mosaic spreads it across many lending pools, reweights when it pays to, and reports every move. No claim button — your share price simply rises.
- Current APY
- —
- Pools
- —
- Rebalance Cooldown
- 24h
- TVL
- —
- Depositors
- —
- Idle buffer
- —
- Share price
- —
Waiting for the vault
Live mathDeposit
$10,000
Per year
—
No rate until the vault answers · APY moves with pool rates · $100,000.00 deposit → — / yr
Shares are ERC-4626 · readable by any wallet
[02] Allocation tape
Hover the fieldReading allocation from chain…
USDG → — pools
One deposit, then the spread
—
% APY
MetaMask
Phantom
Coinbase
Robinhood
[04] How it earns
Deposit in. Yield out.
One deposit is priced once into shares. Adapters spread it across lending pools, a bounded engine reweights it, and the price per share carries the result. Six steps, one ledger, nothing to claim.
02
Receive shares, not rewards
You get deposit ÷ price-per-share in shares. Yield arrives as that price rising. Same shares in month six, worth more USDG.
03
Batched deployment
Deposits gather in an idle buffer and enter pools in batches, so gas is shared across the batch. Small depositors get large-depositor economics.
04
Spread by risk-adjusted score
Every pool sits behind an adapter and is scored on liquidity, utilization, rate volatility and age. Weights follow the score, never the headline APY.
05
Rebalance only when it pays
A keeper closes the gap to target only when the extra yield beats gas and slippage. Drift under the threshold sits. A cooldown stops oscillation.
06
Withdraw from the buffer, instantly
Ordinary redemptions are served from the buffer without touching a pool. Larger ones unwind in a defined order, filled in full or reverted.
Worked example
$10,000 × — APY
—
Per year, at the vault's current blended rate, before the performance fee. It never lands as a token you collect; the price per share simply carries it. Ten thousand USDG becomes ten thousand shares worth more without a single transaction from you.
Share rail
No claim button.
Yield is the price per share rising. Same shares, worth more USDG. Nothing to harvest, nothing to remember.
Exit rail
Buffer first, then unwind.
Ordinary redemptions clear from the idle buffer instantly. Larger ones unwind pools cheapest-exit first, filled in full or reverted.
[05] Allocation engine
Rules, not vibes.
Every pool carries a risk-adjusted score built from what can be measured on-chain. Weights follow the score, hard ceilings override the weights, and the keeper only moves when the move pays.
Live now
01
Score by liquidity & utilization
How deep the pool is, how large you would be inside it, and how much is already borrowed. A pool at 99% utilization pays well because nobody can leave.
02
Price the post-deposit rate
Supplying capital lowers utilization, which lowers the rate. The engine optimizes for what the vault will actually receive after the allocation exists.
03
Cap every pool
No pool exceeds a maximum share of the vault regardless of score. Each adapter passes an audit and an observation period at limited size first.
04
Cooldown between moves
Rebalances clear a deviation threshold and a hard cooldown. Spikes are usually one borrower leaving an hour later. Allocation follows sustained change, not noise.
The loop
Post-deposit rate, not headline rate
Spread thin. Earn more.
Supplying capital lowers utilization, which lowers the rate. Yield curves flatten as you push into them, so one pool is usually worse than several before risk is even counted. Spreading lets each position sit on the steeper part of its own curve.
Open vaultWho moves it
A keeper, bounded.
Anyone can trigger it. It cannot send funds outside registered adapters, exceed a ceiling, or skip the cooldown. Its freedom is when, never where.
Why it holds
Min-output or revert.
Every rebalance carries an on-chain minimum-output check. A move that would execute worse than expected reverts instead of completing at a bad price.
Automation without visibility is a black box. The vault is four screens, and every one of them shows the number you would otherwise have to trust.
[06] The vault
Four screens. Nothing hidden.
01
Deposit
Approve USDG, mint shares at the current price per share. Your deposit joins the next batched deployment.
Open →02
Allocation
Where every dollar sits right now, pool by pool, with current weight against target weight so you can see when a rebalance is pending.
Open →03
History
Every allocation change with its timestamp, the rates that triggered it, and what it cost to execute.
Open →04
Withdraw
Burn shares, receive USDG. Current withdrawal capacity is shown before you need it, not after.
Open →[07] Published numbers
The rule set is the product.
Ceilings, buffer, threshold and fee are the live allocation rule. They can be tightened. The keeper cannot step around them.
Max pool weight
—
No single pool may exceed this share of the vault, regardless of how attractive it looks.
Idle buffer target
—
Sized against observed redemptions so the common withdrawal never touches a pool.
Rebalance threshold
—
Drift below this is allowed to sit. A move must also earn more than it costs.
Cooldown
—
A hard wait between rebalances. Two pools trading places cannot make the vault oscillate.
Performance fee
—
Charged on yield generated, never on principal, and realized in the price per share.
Deposit cap
—
Conservative during the early period. The amount at stake grows only as the system proves itself.
[08] Where the risk lives
Three failure modes. Named.
Anyone describing a yield product without naming its failure modes is describing a brochure. There are three real ones, and each has a bounded answer.
01
Underlying pools
Mosaic supplies USDG to lending protocols. If one suffers a critical failure, the capital in that pool is at risk. This is why allocation is spread and capped: a failing pool should scratch the portfolio, not erase it.
02
Mosaic's contracts
Pooled capital is a target. The mitigation is a small core that does not change, complexity pushed into adapters that can be disabled individually, independent audits, a conservative deposit cap, and an emergency withdraw path.
03
Allocation model
A model can be well-built and still misjudge, so it is bounded rather than trusted. Weight ceilings, pool caps, cooldowns and profitability checks make a bad decision expensive to no one and survivable by everyone.
[09] Questions
Before you deposit.
Short answers. The share price does not invent a second story after you sign.
The vault holds one number, total assets, against one supply of shares. Price per share is assets divided by shares. When you deposit you receive deposit ÷ price in shares; as pools pay interest, assets grow and the price rises. Your entry never dilutes anyone and theirs never dilutes you.