You put in USDG
One transaction, no lock-up. You receive vault shares that represent your slice of everything the vault holds. Nothing is lent to anyone and no counterparty promises you a rate.
Youryieldissomeoneelse’stransactionfee
Deposit USDG into the liquidity behind tokenized stock trading on Robinhood Chain. People trade, they pay a fee, and the fee is the yield. Nobody has to owe you anything.
Money in. Market infrastructure out. Fees back.
How it worksIt becomes market infrastructure
The vault places that money as concentrated liquidity in the tokenized stock pools — NVDA, GLD, SPCX, QQQ and the rest. It is now the thing traders trade against, sitting on both sides of the book.
Every trade pays it a fee
Someone buys NVDA. They pay the pool 0.05% for the privilege, and that fee is split across the liquidity they traded against. Across these pools that is around a hundred million dollars of volume a day, most of it arbitrage keeping the on-chain price honest.
The fees become your shares’ worth
Harvesting is permissionless: anybody can trigger it, and the collected fees go straight back into the positions. Your share count never changes. What changes is what each share is worth.
Where the yield comes from
A fee is not paid to you. It is paid past you.
Nobody at Earnfolio decides what the yield is. A stranger decides to buy NVDA, and the pool charges them for the privilege of trading against somebody’s money. That somebody is the vault. Here is the whole of it, followed through one trade.
Someone buys NVDA$218.02the average trade in this pool, across 290,113 of them yesterday
The pool takes 0.05% of the trade$0.1090
Uniswap's own protocol fee takes 25% of that−$0.0273
What is left goes to the liquidity that actually filled the trade$0.0818
Earnfolio holds 0.64% of that liquidity, so it keeps$0.0005
$0.0005 on one trade. That is the entire mechanism, and it is why the number at the top of this page is a rate rather than a promise: it is the same arithmetic run 507,790 times a day across 6 pools, on $110.7M of other people’s trading.
The fee is charged whether or not the price moves
This is what separates it from betting on the stock. A trader pays the tier fee on the way in and the way out, in a rising market and a falling one. The vault is not predicting anything; it is standing in the place the trade has to pass through.
How much of it you keep depends on how tightly you stand
A position only earns while the price is inside its range, and only in proportion to its share of the liquidity at that price. Spread the same money across a wider band and it collects a fraction as much. At ±2000 ticks it captures 25% of the pool’s rate; at ±500, which is what the vault targets, it captures 95%.
And the same flow that pays it also costs you
Prices move because somebody traded, and the pool sells the vault out of whatever is rising on the way through. That cost is real and it is not deducted from the fee figure anywhere on this site, which is why the rate is a ceiling on what the strategy returns rather than the return itself.
The proof
Watch the fees arrive.
These are the pools the vault deploys into, and this is real traffic through them right now. Tokenized stocks trade around the clock against arbitrage bots keeping the on-chain price on top of the real quote. Every one of those trades pays the liquidity it traded against.
Fees paid to liquidity · 24h$62kacross 6 stock pools
Volume · 24h$110.7M507,790 trades
Liquidity in those pools$15.6Mwhat the fees are split across
Fee rate, annualised145.8%measured, gross of price risk
Swaps hitting these pools, right nowConnecting
Watching for trades
$0.0000 of fees paid to this liquidity while you have had the page open. Every row is a trade somebody just made, and the green figure is what it paid the people who supplied the liquidity it traded against.
| Pool | Tier | Liquidity | Volume 24h | Trades 24h | Fees to LPs 24h | Fee rate |
|---|---|---|---|---|---|---|
| NVDANVIDIA | 0.05% | $7.4M | $63.2M | 290,113 | $23,719 | 117.8% |
| GLDGold ETF | 0.30% | $3.8M | $9.8M | 70,836 | $24,607 | 237.6% |
| QQQNasdaq 100 ETF | 0.05% | $1.9M | $5.0M | 26,767 | $1,860 | 36.6% |
| SPCXSpaceX | 0.05% | $1.6M | $25.3M | 85,060 | $9,481 | 214.6% |
| GOOGLAlphabet | 0.05% | $637k | $4.3M | 20,136 | $1,596 | 91.4% |
| AAPLApple | 0.05% | $395k | $3.1M | 14,878 | $1,152 | 106.4% |
Questions
Including the ones that aren’t flattering.
What is Earnfolio?
A vault that owns infrastructure people pay to use. You deposit USDG and the vault holds the liquidity behind tokenized stock trading on Robinhood Chain. Every time somebody swaps NVDA, GLD, SPCX or QQQ, they pay a fee to the liquidity they traded against, and that liquidity is yours. Your yield is someone else’s transaction fee.
How is this different from lending my money out?
A lending market pays you interest because a borrower promised to pay it. Earnfolio pays you because a trade already happened. There is no borrower, no rate to be set, and no token emission subsidising the number. The yield is a share of activity that took place whether you were there or not.
Can I lose money?
Yes, and there are two distinct ways. Your USDG becomes part stock exposure the moment it is deployed, so if the stock falls, your position falls with it. And providing liquidity has a cost of its own called loss-versus-rebalancing: when a price moves, the pool sells you the side that is falling and buys the side that is rising, on the way through. Fees can be smaller than that cost. Nothing here is a savings account.
Does the vault actually earn the rate you quote?
Only if its liquidity is as concentrated as the liquidity already in those pools, and that is a real caveat rather than a technicality. The quoted rate is fees divided by every dollar in the pool. A Uniswap v3 position earns only while the price sits inside its range, and only in proportion to its share of the liquidity there. Measured against the real NVDA pool, a stake spread over ±2000 ticks captured 25% of the quoted rate, while ±500 ticks captured 95%. The vault targets ±500. The docs show the whole measurement.
What does it cost?
A 10% performance fee on fees harvested, and nothing else — no management fee, no deposit fee, no withdrawal fee. The operator cannot raise the performance fee above 20% because the contract refuses. Redeeming costs you the pool fee and price impact on unwinding your own position, which is paid to the pool rather than to Earnfolio.
Is it live?
Yes. The vault is deployed on Robinhood Chain and the address is in the footer.