Allocrypt Documentation
Non-custodial yield allocation on Monad. Allocrypt routes capital across best-in-class DeFi protocols — you keep your tokens, we handle the routing.
What is Allocrypt
Allocrypt is a non-custodial portfolio router for Monad. It helps users deploy capital across multiple yield-generating protocols in a single transaction — without ever taking custody of your funds.
When you deposit through Allocrypt, the PortfolioRouter contract pulls your tokens, swaps them if needed (via 0x), and deposits directly into external vaults. The router briefly receives the resulting vault shares (Euler shares, earnAUSD, sMON, aprMON, Steakhouse ETH, Steakhouse cbBTC), sends 0.49% of those shares to the protocol treasury, and forwards the remainder to your Smart Wallet.
Allocrypt charges a 0.49% protocol fee in the PortfolioRouter. Swapped legs still use the full post-swap asset output for swap sizing and slippage protection, and minSharesOut is checked against the gross shares minted by the external vault before the treasury share transfer.
Every user gets a Safe Smart Wallet — the same battle-tested standard securing $100B+ across crypto. Gas is sponsored by Allocrypt, so you never pay transaction fees.
There are no managed vaults, no intermediary tokens, and no admin keys over your funds. Your position is composed entirely of standard protocol tokens that you can withdraw at any time through each protocol directly.
Smart Wallet
Allocrypt automatically provisions a Safe Smart Wallet for every user — powered by the same infrastructure securing 40M+ accounts and $100B+ in assets across crypto. No seed phrases, no gas fees, no setup.
Safe is the most battle-tested smart account standard in the industry, used by the Ethereum Foundation, Gnosis, ENS, and hundreds of protocols and DAOs.
Learn more about the Smart Wallet →Supported Protocols
Euler Earn USDC
Deposit USDC into Euler Finance's Earn vault. Standard ERC4626 interface with automatic yield accrual through lending markets.
USDC · ERC4626
Upshift earnAUSD
Deposit AUSD into Upshift's yield vault. Non-ERC4626 interface with separate LP token. Supports instant and epoch-based redemptions.
AUSD · Custom vault
Kintsu sMON
Liquid staking via Kintsu. Deposits native MON and receives sMON — an LST that accrues staking yield over time.
MON (native) · Liquid staking
aPriori aprMON
Liquid staking via aPriori. Deposits native MON and receives aprMON — a liquid staking token with native staking rewards.
MON (native) · Liquid staking
Steakhouse Prime ETH
Earn yield on ETH via Steakhouse's Morpho vault. Standard ERC4626 interface with curated lending strategies on Monad.
WETH · ERC4626 (Morpho)
Steakhouse High Yield cbBTC
Earn yield on cbBTC (Coinbase wrapped Bitcoin) via Steakhouse's Morpho vault. ERC4626 with high-yield BTC lending strategies.
cbBTC · ERC4626 (Morpho)
How It Works
Take the survey
Pick the asset categories you're interested in and choose your time horizon. Allocrypt maps your preferences to a recommended allocation across the supported vaults.
Review your plan
See your recommended allocation across the six vaults. Adjust weights with sliders if you want more control.
Deploy in one transaction
The PortfolioRouter pulls your tokens, swaps via 0x if needed, deposits the full per-leg asset amount into each vault, checks gross shares against minSharesOut, then sends 0.49% of the vault shares to treasury and the remainder to your wallet.
Hold & earn
Your positions are standard protocol tokens (Euler shares, earnAUSD, sMON, aprMON, Steakhouse ETH, Steakhouse cbBTC). Yield accrues automatically. Withdraw directly from each protocol at any time.
Claim rewards
Incentive rewards (via Merkl) can be claimed directly. No intermediary — rewards flow straight to your address.
Risk Personas
Allocrypt uses a quick preference survey to classify users into one of five investment personas, each with a pre-configured allocation across the supported vaults:
Allocations are fully adjustable — the persona is a starting point, not a constraint.
