Tiers, Lockups, and Auto-Renewal

Tier System

Each atRISKUSD vault offers four tiers. Longer lock-up periods receive a larger share of protocol revenue. All percentages are current default protocol rules and governance-configurable.

The 30% protocol share is flat across every tier and is split 15% Foundation + 15% protocol-retained reserve. Depositor yield + agent funding = 70% on every tier.

• Depositor yield: Portion of protocol revenue allocated to this tier's atRISKUSD vault participants
• Agent funding: Portion allocated to agent USDC compensation
• Protocol share: Flat 30%, split 15% Foundation + 15% protocol-retained reserve

Lock-up Rules

• T0: No lock-up. Withdraw at any time (subject to the standard 7-day atRISKUSD cooldown).
• T1–T3: Your RISKUSD is locked for the full tier duration. You cannot request withdrawal until the lock-up expires.
• Lock-up begins when you stake into the tier.
• You can upgrade to a higher tier at any time (lock-up resets to the new tier's duration).

Auto-Renewal

Auto-renewal is enabled by default. When auto-renewal is on:

• Your lock-up resets to the full tier duration each time it expires
• You continue earning your tier's yield without interruption
• No action is needed from you

If you disable auto-renewal:

• When your lock-up expires, your shares move to Tier 0
• You earn Tier 0 yield (50%) instead of your previous tier's yield
• Your RISKUSD value is preserved during the move — only the yield rate changes
• You can then withdraw from Tier 0 immediately or re-stake into a higher tier

You can toggle auto-renewal at any time through the staking interface. A keeper bot handles the on-chain transaction — there is no gas cost to you for renewal or reversion.

Choosing a Tier