# Balance Tiers

Tiers update automatically as your balance changes. Execution and diversification are always bounded by your tier, and further bounded by the permissions you approve.

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#### **Tier Overview**

* **Executions:** how many times per day Sail scans and reallocates (when needed).
* **Networks / Stablecoins:** what your agent can use by default at that tier (you can restrict this via personalization).
* **Positions:** max positions per stablecoin/network the agent may hold at once.
* **Security:** Sonar runs for all tiers.

<table><thead><tr><th width="98.80078125">Tier</th><th width="114.70703125" align="right">Balance</th><th width="122.58203125" align="right">Executions</th><th width="115.2421875">Networks</th><th width="132.609375">Stablecoins</th><th width="110.984375">Positions</th><th>Features</th></tr></thead><tbody><tr><td><strong>Silver</strong></td><td align="right">$0–$10,000</td><td align="right">4× / day</td><td>Base, Arbitrum</td><td>USDC, USDT</td><td>1 per stablecoin/network</td><td>Sonar active</td></tr><tr><td><strong>Gold</strong></td><td align="right">$10,000–$100,000</td><td align="right">12× / day</td><td>Base, Arbitrum</td><td>USDC, USDT</td><td>up to 4 per stablecoin/network</td><td>Sonar + diversification + swaps &#x26; bridges</td></tr><tr><td><strong>Platinum</strong></td><td align="right">$100,000+</td><td align="right">24× / day</td><td>Base, Arbitrum</td><td>USDC, USDT</td><td>up to 5 per stablecoin/network</td><td>Sonar + diversification + swaps &#x26; bridges</td></tr></tbody></table>

Higher tiers increase execution frequency, which helps capture short-lived APY changes faster and reduces idle time.

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#### How balance tiers interact with personalization

Tiers define the **maximum** scope your agent can operate within. Personalization lets you set your **actual** scope.

Examples:

* you’re **Gold**, but you only want **Base** → personalize networks to Base-only.
* you’re **Platinum**, but you never want bridging → personalize actions to disable bridging.
* you want “lending primitives only” (Aave/Fluid/Moonwell) → personalize permissions to allowlist only those protocols.

if you expand scope later (new networks, protocols, or actions), Sail will ask you to sign **new permissions** before the agent can use them.

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### Automatic Tier Updates

* Tier changes happen automatically when your balance crosses thresholds.
* Upgrading your tier can unlock higher execution frequency and additional capabilities.
* Downgrading reduces the maximum execution/position scope accordingly.

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#### **Performance Analysis**

*Back-tested and live agent data since October 1, 2025*

**Top 5 Protocols on Base (USDC)**

| Protocol                    | Mean APY | Max APY | Min APY |
| --------------------------- | -------- | ------- | ------- |
| Euler Yo                    | 9.88 %   | 15.88 % | 5.18 %  |
| Morpho Clearstar High Yield | 9.54 %   | 12.12 % | 7.64 %  |
| Morpho Clearstar            | 8.90 %   | 11.85 % | 7.72 %  |
| Morpho Clearstar Reacted    | 8.90 %   | 11.34 % | 7.71 %  |
| Moonwell                    | 8.57 %   | 11.58 % | 6.99 %  |

***

**Agent Performance by Tier**

| Tier         | Mean APY | Max APY | Min APY |
| ------------ | -------- | ------- | ------- |
| **Silver**   | 11.90 %  | 16.91 % | 9.14 %  |
| **Gold**     | 12.69 %  | 18.11 % | 9.26 %  |
| **Platinum** | 13.26 %  | 18.21 % | 9.36 %  |

Execution frequency directly boosts realized yield: more re-checks mean faster reaction to APY shifts and fewer idle cycles.


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