Automated Yield Layer (Multi-Asset)

Separate from the stablecoin savings, the Automated Yield Layer lets users earn on volatile assets like XLM, BTC, and ETH while maintaining full price exposure.

Key Difference from Savings

	Savings Layer	Yield Layer
Assets	USDC, USDT, DAI	XLM, BTC, ETH, etc.
Price exposure	None (stablecoins)	Full (up and down)
Yield source	Lending protocols	Staking, LP, lending
Risk	Low (capital preserved)	Medium-High (price volatility)
Use case	Predictable savings	Growth + yield

Per-Asset Strategies

XLM  → Auto-stake (8% base) + Liquidity provision (12% with IL risk)
       AI allocates: 60% staking, 40% LP based on market conditions

BTC  → Wrapped to Stellar-compatible token
       Deployed to Bitcoin-backed lending protocols (4–6% APY)
       100% BTC exposure maintained

ETH  → Liquid staking derivatives (e.g., stETH)
       3–5% staking yield + DeFi composability

Portfolio Allocation

Users can select multiple tokens simultaneously:

Portfolio example:
  40% XLM  — auto-staked + liquidity provision
  30% BTC  — wrapped and deployed to lending
  20% ETH  — liquid staking derivatives
  10% USDC — Balanced Vault (stability anchor)

AI-Driven Rebalancing

Prometheus monitors drift from target allocations:

Alert: "XLM now represents 45% of your portfolio (target: 30%).
        XLM rallied 50% this month.
        Consider rebalancing to reduce concentration risk.
        Suggested action: Sell 30% of XLM position → Balanced Vault"

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