Your Money
Never Sleeps
One protocol. Two products.
1)
Earn Vaults for AI-managed passive yield across 10+ DeFi protocols.
2)
Programmable Wallets for agents to pay, rebalance, and move funds within your rules.
Vault TVL
Vault Activity
Volume Routed
Rebalances Executed
Protocols Monitored
Underlying Vaults
Audited by Certora
Live on
Powering
Non-custodial
Open Source
Programmable Wallets
Money For Agents
Most agents can recommend. Underscore lets them execute with real funds without ever holding your private keys. Managers define permissions. Payees handle recurring spend. Digital Cheques handle one-off payments with optional review delays. Everything is enforced onchain.
1
Managers
Give Agents Execution Rights, Not Custody.
Authorize an AI agent or operator to manage yield, swap, borrow, repay, claim rewards, and pay approved recipients. Restrict them by asset, protocol, budget, cooldown, and expiry window. They get execution rights, not custody. Every action is validated onchain before it executes.
Example
A yield agent can rebalance across Aave, Morpho, and Euler with a $25,000 daily limit.
Learn More
2
Payees
Let agents pay for the services they need.
Pre-approve recurring recipients like market data feeds, model providers, compute vendors, contractors, payroll, and subscriptions. Set per-payment caps, period limits, allowed assets, cooldowns, and optional pull access. Funds keep earning until the moment payment is made.
Example
Your trading agent keeps its data feed, inference API, and GPU provider online with fixed USDC allowances.
Learn More
3
Digital Cheques
One-off spend without blind trust.
When an agent needs to pay a new counterparty, Digital Cheques turn a transfer into a controlled payment commitment. Small spends can clear immediately. Larger payouts can sit behind a review delay and stay cancellable until they’re cashed.
Example
Your agent buys a $3 dataset instantly. Larger payouts wait behind a review window.
Learn More
Underscore lets agents execute with real money without ever giving them custody, private keys, or unrestricted access.
Budgets, recipient rules, asset restrictions, review delays, and expiry windows are enforced onchain in open-source smart contracts.
Earn Vaults
Featured Earn Vaults
Deposit once, receive vault shares, and let the strategy optimize in the background. Redeem anytime or use those shares across DeFi.
$
_USD
USDC
Base
Amplified
B
_BTC
cbBTC
Base
Amplified
E
_ETH
WETH
Base
Simplicity
Deposit once. Hold the shares.
Deposit once, receive ERC-4626 vault shares, and let the strategy run. No manual routing or reward claims.
Risk-Adjusted
Beyond headline APY.
The AI Agent weighs rates, liquidity, incentives, and exit risk across approved protocols instead of chasing APY.
Instant Liquidity
Redeem anytime. Use anywhere.
Redeem in one transaction, or use vault shares across DeFi as collateral, in pools, or across chains.
Earn Vaults
Deposit. Receive Shares. Compose.
Deposit supported assets, receive ERC-4626 vault shares, and let the AI Agent optimize in the background.
1
Deposit
USDC, ETH, cbBTC, AERO, RIPE... Receive vault shares.
2
AI Agent optimizes
Aave
Euler
Moonwell
Morpho
Compound
Fluid
ExtraFi
40 Acres
Spark
Wasabi
3
Compose
Trade the shares. Use them as collateral. Bridge them.
Why an AI Agent is necessary
Yield is not a single APY number. The AI Agent continuously monitors rates, liquidity, incentives, and withdrawal conditions across 10+ approved protocols to find better risk-adjusted opportunities 24/7, even while you are asleep.
The AI Agent operates inside hard boundaries. It can only route through whitelisted protocols and approved vault strategies. No unapproved farms. No unapproved destinations. The limits are enforced onchain by smart contracts.
24/7 monitoring
Risk-adjusted rebalancing
Approved strategies only
Earn Vaults
Vault Types
Same AI-managed vault architecture. Two different risk and return profiles.
Core
Earn Vaults
Passive yield optimization.
Deposit once. Hold the vault shares.
How it works
Deposit supported assets and receive vault shares. The AI Agent routes across approved yield venues, rebalances as conditions change, and compounds rewards automatically.
Best for
Passive earners who want a productive ERC-4626 position they can still use across DeFi.
Supported Assets
USDC
WETH
cbBTC
AERO
USDS
GHO
cbETH
EURC
VIRTUAL
Amplified
Amplified Vaults
Amplified yield built on Earn Vaults.
USD-based debt safety.
How it works
Deposit ETH or BTC. The vault moves it into the matching Earn Vault, uses those shares as collateral on Ripe, borrows GREEN, and deploys that capital into USDC or Savings GREEN.
Safety model
Borrowed capital stays in USD-denominated strategies and is added back as collateral on Ripe. The borrowed leg is used to amplify yield, not to add more BTC or ETH exposure.
Best for
Users who want spot BTC or ETH exposure with additional yield from Ripe-powered yield amplification.
Supported Assets
USDC
cbBTC
For Developers
Integrate Underscore Vaults Into Your App
Skip months of infrastructure work. Integrate standard ERC-4626 vault shares and ship AI-managed yield that remains composable across DeFi.
Standard shares
ERC-4626 vault tokens. Minimal integration work.
Always optimizing
Users hold the share token while routing, rebalancing, and compounding happen underneath.
Production-ready
Live today. Hightop already uses Underscore vaults in production.
Check it out in action on
Aligned Incentives
Underscore Protocol was built by the same team behind Ripe Protocol and Hightop. Underscore vault shares can be used on Ripe Protocol for borrowing and amplified yield positions, while Hightop uses Underscore programmable wallets and Earn Vaults in production.
Revenue Generation
Most Underscore revenue comes from a 20% performance fee on vault profits. The fee is charged only on yield generated by the strategy.
No fees on deposits, transfers, idle funds, or principal. The protocol earns when vault users earn.
Performance Fee
20%
$RIPE Token Buyback
100% of protocol revenue is used to buy back the $RIPE token in the open market.
As Underscore usage grows, buyback demand scales with it and flows back into the broader ecosystem.
Buyback Percentage
100%
Deposit once. Let the AI Agent keep working.
Receive vault shares, stay liquid, and let the strategy monitor and rebalance 24/7 in the background.
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