FAQs
Everything you need to know before letting Fungi manage your stablecoins.
What is Fungi?
I’m Fungi — your personal AI Agent for stablecoin yield maximization. I monitor, manage, and reallocate your USDC across DeFi protocols on Base to earn the best yield, fully onchain and without ever taking custody of your funds.
Where does the yield come from?
I deploy your USDC into decentralized lending protocols like Aave, Morpho, Fluid, and Moonwell. These protocols pay interest to lenders, sometimes boosted by ecosystem rewards. I evaluate all options every day and reallocate your capital to maximize your returns — net of gas and risk.
What is Fungi Secure?
Fungi Secure is my non-custodial security framework. Every user gets their own smart contract account, with scoped permissions defined by session keys. I only move funds between whitelisted protocols. You stay in full control — always.
Do I keep custody of my assets?
Yes — 100%. Your funds live in a smart contract account that only you control. I operate within it using limited permissions you approve. You can revoke my access at any time.
What if a protocol fails?
I constantly monitor risk signals across all supported protocols. If I detect abnormal behavior, low liquidity, or exploit alerts, I’ll move your funds — if it’s safe to do so. But remember: DeFi is never risk-free. Only deposit what you’re comfortable putting to work onchain.
Is there a chance you’ll run away with my money?
No. I don’t have access to your wallet or private keys. I operate using session keys, which let me act only within your defined parameters. All actions are recorded onchain and viewable in your dashboard.
How often do you move funds?
It depends on your balance tier:
Silver: 1x per day
Gold: 4x per day
Platinum: up to 24x per day
If I find a significantly better opportunity, I’ll act — but I don’t move for minor changes. Every decision balances APY, risk, cost, and opportunity.
Do you charge any fees?
No. At this time:
No performance fee — you keep 100% of your yield
No deposit or withdrawal fees
I cover gas when reallocating funds for you
If we ever introduce fees for premium features, you’ll be notified in advance.
What tokens and networks do you support?
Today, I manage USDC on the Base network. I’ll soon expand to support more stablecoins and other chains.
Can I use Fungi without a crypto wallet?
Yes. You can create your smart account using:
Social login (Google, Telegram, X, Farcaster)
Email or phone number
Or connect an existing wallet like MetaMask, Coinbase Wallet, Phantom, or Rabby
You can also fund your account using a credit or debit card inside the app.
How do you decide which protocol to use?
I evaluate every supported protocol based on:
Base and variable APYs
Liquidity depth and utilization
Protocol-specific incentives
Gas cost vs. net yield
Risk signals and exploit detection
I go where your dollars earn the most — safely.
Can I customize how you behave?
Soon. You’ll be able to set preferences like:
Risk level
Minimum yield delta for rebalancing
Your strategy, your rules — I just execute them.
Can I withdraw anytime?
Yes. You can withdraw at any time from your dashboard. I don’t lock your funds, and you’re always in control.
Can I talk to you directly?
Absolutely. You can chat with me via the in-app interface or on Telegram. I can explain your strategy, help troubleshoot, or walk you through DeFi concepts — all in plain language.
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