Automated Yield Routing

📄 Overview

AggreLend automatically optimizes your position by continuously steering each balance toward the most favorable supply-side lending venue available for its token. Behind the scenes, the protocol runs a simple but relentless optimization loop: it measures current rates, compares them across integrated venues, and, when a meaningful improvement is detected, updates your allocation on-chain — without any input required from you.

Importantly, AggreLend never takes custody of your funds. At all times, your tokens remain with the underlying lending venues. AggreLend’s role is purely to optimize positions, orchestrating seamless reallocations between vetted venues when it improves your realized APY.

🔄 How Optimization Works

An optimization is when AggreLend’s program automatically reallocates your position from one integrated lending venue to another to secure a better effective APY. This process is:

• Fully on-chain — handled via secure Solana CPI calls;
• Atomic — everything happens within a single transaction, committing fully or not at all;
• Non-custodial — AggreLend never touches your funds; they remain within audited lending venues.

Optimizations are only performed when the following conditions are met:

1. Net Rate Improvement — A destination venue offers a meaningfully higher effective APY (factoring in rewards normalized back to your base asset).
2. Capacity Check — The destination venue has sufficient liquidity to handle the allocation without lowering your realized yield.
3. Durability Signal — The improved rate remains consistent across a short confirmation window to avoid reacting to temporary spikes.

When these checks pass, the router updates your position automatically and seamlessly. You don’t need to claim, swap, or take any action.

📊 APY Calculation & Compounding

The APY displayed in the interface reflects the effective in-kind yield after normalizing any venue reward tokens back into your deposited asset using conservative price quotes.

Where venues distribute rewards, AggreLend periodically:

• Harvests the reward tokens;
• Converts them into your base deposit token;
• Re-supplies them back to your position automatically.

This keeps balances compounding natively in the asset you deposited and ensures that the APY you see matches the APY you earn — without extra steps.

🕒 Cool-downs & Backoff

To prevent unnecessary oscillations when rates fluctuate rapidly, AggreLend introduces:

• Cool-downs — After an optimization, there’s a short pause before another is considered, reducing churn.
• Backoff timers — If repeated venue health checks fail or improvements are fleeting, optimizations are deferred longer, resuming only when conditions stabilize.

🛡️ Liquidity & Reliability Guards

Chasing the “headline rate” isn’t always the smartest move. AggreLend prioritizes predictable and repeatable outcomes by applying liquidity and reliability checks before optimizing:

• Prefers a more reliable venue over a slightly higher but unstable one;
• Splits allocations across multiple venues if needed to maintain optimal yields;
• Waits for durable improvements before optimizing to avoid transient spikes.

This ensures that your realized returns match what the interface displays.

🧩 Design Philosophy

AggreLend is built with a philosophy of clarity and simplicity: fewer moving parts, deterministic decisions, and transparent operations. By focusing exclusively on lend-only markets with audited protocols and reliable track records, AggreLend keeps the system easy to reason about while delivering hands-free yield optimization.

The result: a platform that’s beginner-friendly, transparent, and non-custodial — so you stay in control of your funds while AggreLend handles the complexity behind the scenes.