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Auto-Earn

Every dollar that lands in your wallet starts earning interest at a variable APY the moment it arrives. There's no opt-in screen — you receive a payment, and the balance is already on yield.

How it appears​

On Home, the green pill under the balance reads "Earning X% APY" where X is the weighted-average rate across all your assets:

weighted APY = sum( (usdValue_i / totalUsd) * autoEarnApy_i ) for each asset i

Below that, "+$Y today" is the daily slice of that APY against the current total:

today's earnings = totalUsd * weightedApy / 100 / 365

Per-asset rows on Home show each token's own auto-earn APY and its share of today's earnings.

What's actually happening under the hood​

Auto-earn routes deposited assets into a Soroban contract that holds yield-bearing tokens. The math model is documented in the Developer / Contracts section. From the user's perspective:

  • No actions required. Deposit / receive → instantly earning.
  • Rates float. They follow the underlying market, so the figure on Home changes over time.
  • No lockup. You can send or swap the balance at any moment; it stops earning the instant funds move out.
  • No minimums. Even fractional balances earn.

Limitations on the dev keypair fallback​

If you signed up on a simulator or device without WebAuthn / Face ID, Pesalo created a plain Stellar G-address rather than the passkey-bound smart wallet. Auto-Earn deposits route through the passkey smart wallet's Router contract, so dev keypair accounts don't actually accrue yield yet — the APY pill still shows the live market rate, but your underlying balance won't grow until passkey-wallet enrolment ships. See Limitations.