# FAQ **What is Sail?** Sail is the open stack for the agentic economy. It deploys personal AI agents that autonomously optimize stablecoin yields across multiple DeFi protocols and networks. You deposit stablecoins, configure your preferences, and the agent continuously routes your capital to the highest risk-adjusted opportunities, all while keeping funds in your self-custodial smart account. The same infrastructure is available to neobanks, wallets, developers, and institutions through the Sail API and SDK. **How does the agent decide where to allocate?** The Sail Engine scores every candidate vault and lending market using a multi-factor function that combines current APY, historical yield trends, liquidity depth (TVL), and volatility signals. A statistical spike detection framework distinguishes transient yield anomalies from sustainable trends and adjusts behavior accordingly. A profitability gatekeeper rejects any proposed move that cannot pay back its transaction cost within the allowed horizon. The engine then uses simulated annealing to find the optimal allocation across all candidates, subject to your personalization constraints. Full details are in the Strategy section. **Does Sail have custody of my funds?** No. Sail is fully non-custodial. Every user receives a dedicated ERC-7702 smart account. You retain ownership of your private keys and assets at all times. The agent operates through scoped session keys that you sign and can revoke at any time. There is no pooling and no intermediary custody. **Is there a minimum deposit?** The minimum deposit is $100. Your balance determines your tier, which governs execution frequency, maximum positions, and available features. Higher balances unlock higher-frequency optimization cycles. **Which networks and assets are supported?** Sail currently supports USDC, USDT, and EURC on Base and Arbitrum. More assets and networks are planned. Supported assets and networks are always visible in the app and in the Stablecoins & Networks section. **Where does the yield come from?** Yield originates from established DeFi lending markets and curated vaults. Sail integrates only vetted protocols, including Aave, Morpho, Euler, Fluid, Compound, and Moonwell, plus curated vault strategies managed by risk curators such as Gauntlet, Steakhouse, and others. The agent dynamically reallocates capital to the best risk-adjusted opportunities available across these sources. **Are there any fees?** Currently, Sail does not charge performance fees. Gas costs on Base and Arbitrum are also sponsored by Sail. Fees may be introduced as the system scales, but always with transparent disclosure in advance. **How much can I realistically earn?** Sail targets up to 20% APY on stablecoins, depending on market conditions, your chosen risk level, personalization settings, and balance tier. Yields are dynamic and optimized continuously across multiple sources. During compressed market conditions, the V2 engine has demonstrated 25 to 33 percent improvement over baseline strategies under identical conditions. **What happens if a protocol gets exploited or a stablecoin depegs?** Sail's in-house security agent, Sonar, monitors five independent risk layers in real time: TVL drops, stablecoin depeg signals (via Chainlink oracles and DEX pool imbalance), lending market health, large withdrawal events, and protocol repository anomalies. When Sonar detects a threat, it removes the affected vault or token from the optimizer's candidate set before the next allocation cycle. Funds are diversified across battle-tested protocols to minimize single-point risk. Sonar has successfully detected and mitigated risks in live market conditions, including depegs, resulting in no user losses to date. **Do I need to do anything after depositing?** Almost nothing. Once you deposit and set your personalization, the agent runs fully autonomously. You can check performance, adjust settings, or withdraw at any time. You can also configure notifications via Telegram or email to stay informed without opening the app. **How do deposits work?** You can deposit in several ways: send stablecoins directly to your Sail Account address (standard on-chain transfer), deposit from a connected wallet using any token you hold (Sail handles swapping and bridging), or deposit with a card where available through supported providers. **How do withdrawals work?** Withdrawals are initiated from Sail and sent to an address you specify. If funds are currently allocated in yield sources, Sail unwinds positions as part of the process. Progress is tracked in the History tab, and underlying transactions can be verified on a block explorer. **What are Sail Points and how do referrals work?** Points are an incentives program that accrues based on your participation. Referrers earn 20% of the points their referees generate daily, and referees receive a 10% boost when joining with a referral code. Full details are in the Incentives section. **Can institutions, neobanks, or wallets use Sail?** Yes. Sail's API and SDK allow any application to embed institutional-grade yield optimization. Neobanks can offer a white-label earn experience, crypto wallets can route idle balances to best-in-class yield automatically, and treasury teams can deploy capital programmatically. To get started, [contact the team](https://sail.money/#contact). **How do I get help or understand what my agent is doing?** You can message Sail through in-app chat or the Telegram bot. These channels provide customer support, explain agent behavior, and answer DeFi and yield questions in plain language. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.sail.money/learn/foundations/faq.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.