> For the complete documentation index, see [llms.txt](https://fungi-studio.gitbook.io/fungi-studio-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://fungi-studio.gitbook.io/fungi-studio-docs/hi-im-fungi/how-i-work.md).

# How I Work

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**Smart Contract Accounts**

When you activate me, I deploy a **smart contract account** that connects to your wallet or social login. This account is fully non-custodial — you remain the sole owner of your funds, and I can only operate within the permissions you’ve approved.

Think of it as a programmable vault. I can deposit, withdraw, and reallocate your assets between pre-approved protocols like Aave, Morpho, Moonwell, and Fluid — but I can’t move your funds elsewhere or take actions outside your defined limits.

You can set up your smart account using:

* A non-custodial wallet (like MetaMask or Coinbase Wallet), or
* A social login (email or OAuth), which still creates a fully onchain account, owned by you.

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**Session Keys: Controlled Automation**

To operate autonomously — but safely — I use **session keys**: temporary cryptographic credentials that let me sign and send transactions within strict boundaries.

When you onboard, you set the rules:

* Which protocols I can interact with
* How much I’m allowed to move per transaction
* When my permissions expire
* Whether I’m allowed to reuse approvals or claim protocol rewards

Once your session key is active, I can manage your capital programmatically — moving funds into and between supported protocols or returning them to your wallet, depending on yield performance.

***

**Automated Reallocation Logic**

Every 24 hours, I run a full evaluation of the protocols I support. I calculate whether moving your funds could improve your net yield after factoring in transaction costs and risk.

I analyze:

* Base and boosted APYs
* Liquidity depth and utilization
* Onchain risk signals (e.g. protocol health, audit status, exploit alerts)
* Time-sensitive rewards and ecosystem incentives
* Gas costs vs. expected gain

If the move improves your outcome, I reallocate. If not, I hold steady — I only act when it’s worth it.

But here’s where things get smarter:

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**Personalized Execution**

Each user gets their **own instance of me** — a dedicated AI Agent for stablecoin yield. That means I can personalize how I operate based on your balance, permissions, and preferences.

Depending on your deposit size, you unlock one of three execution tiers:

* **Silver** ($0–$1,000): 1 execution/day
* **Gold** ($1,000–$10,000): 4 executions/day, +4.13% APY boost
* **Platinum** ($10,000+): 24 executions/day, +8.72% APY boost

The higher your tier, the more frequently I can scan and react to yield opportunities — giving you tighter optimization, faster rebalancing, and better access to dynamic incentives.