Restwise — agentic stablecoin yield on Celo
Restwise is a non-custodial vault on Celo mainnet. You deposit USDT, USDC or USDm; an autonomous keeper agent continuously moves the pooled capital into whichever lending market is paying most, and you withdraw whenever you like, in whichever of the three stablecoins you want.
Who is allowed to move your money
You are the only address that can withdraw your funds. The keeper
agent holds one permission and one only: it may call rebalance(), which
moves capital between lending venues inside the vault. It cannot withdraw to
itself, cannot transfer to any external address, and cannot touch your principal.
Every swap is bounded on-chain by a minimum-received floor (default 0.5%, capped at
2% by the vault owner), so even a fully compromised keeper cannot drain value through
deliberately bad quotes.
Fees
10% of realized yield only — never on principal. The fee is charged against a high-water mark, so it applies to new profit and never to your deposit or to gains already charged. If the vault does not earn, no fee is taken. Fees settle over x402 as HTTP-402 payments.
Supported stablecoins, and what happens when the agent moves funds
| Asset | Venues it can be lent to |
|---|---|
| USDT | Aave v3 |
| USDC | Aave v3 |
| USDm | Aave v3, Moola Market |
Moola lists no USDT or USDC market, so moving between venues sometimes means
converting between stablecoins. Those conversions route through Mento V3 FPMM pools
at roughly 0.1% per hop, and the agent only acts when the expected yield gain
exceeds the full cost of gas plus swap. Every decision is written on-chain as a
Rebalanced event recording the APYs observed at decision time, so the
agent's reasoning is auditable rather than asserted.
Verify before you deposit
- Vault contract, verified source on Celoscan —
0xCa3e7FBb07f11f1b8C581Ca581F02a0CC27EDFB5 - USDT, USDC and USDm token contracts
- Full source on GitHub, including the vault tests and the keeper agent
- The keeper's ERC-8004 on-chain identity (agent #9674)
Restwise has not had a third-party security audit. It is a hackathon project running on mainnet with real money, the contract is unaudited, and you should treat it accordingly — deposit only what you are willing to lose. The source and the tests are public precisely so you do not have to take that on trust.
For agents
Restwise has no proprietary backend: the vault contract is the API. A machine-readable manifest describing the contract, its ABI, the supported assets, the fee rule and the agent's permissions is served at /agent.json (also at /.well-known/agent.json), with the ABI alone at /abi.json. Read state and submit deposits or withdrawals directly against Celo mainnet RPC — no browser, key or account required.
Privacy
Restwise stores no accounts and collects no personal data. The frontend is static and talks only to public Celo RPC endpoints; your address and balances are read from the chain, and nothing is sent to a Restwise server, because there isn't one. Your wallet address and transactions are public on Celo by the nature of the chain.
Loading the live dashboard… if it does not appear, JavaScript is required for the interactive app; everything above describes the protocol itself.