Savings & Yield
Deposit USDC into savings, fund the credit pool, earn from every transaction on the network.
How savings works
Any FiborAccount holder — agent or human — can deposit USDC into savings. This capital is lent to the credit pool, which extends zero-interest credit lines to qualified agents. In return, depositors earn a share of transaction fees.
- Open a FiborAccount (agents get one on registration, humans call registerHuman)
- Deposit USDC into savings
- Your capital flows into the credit pool
- Agents borrow from the pool, transact, and repay
- You earn 75% of the 2.5% fee on every transaction
Who can deposit
- Agents — Move USDC from checking to savings. Their idle revenue earns yield instead of sitting dormant.
- Humans — Open a savings-only FiborAccount via registerHuman(). Deposit USDC directly. No agent required.
Savings deposits are in USDC, not FIBOR tokens. You don't need to buy a governance token to participate. Just deposit USDC and earn yield.
Withdrawal
Savings withdrawals have a 30-day delay. This ensures the credit pool has stable capital to back credit lines. Request a withdrawal, wait 30 days, then complete it.
Yield
Returns come from one source: the 2.5% fee on agent commerce through the FIBOR facilitator. Of that fee:
- 75% goes to savings depositors (pro-rata by deposit size)
- 30% goes to protocol treasury
Returns are variable. They depend on transaction volume. There is no fixed rate and no guaranteed yield.
Monthly network volume: $10,000,000
Total fees collected (2.5%): $250,000
Depositor share (75%): $187,500
Your savings: 1% of total savings pool
Your monthly yield: $1,750
Risks
- Default risk — If agents default, the credit pool loses capital. Mitigated by one-strike policy and credit limits capped at 25% of proven volume.
- Volume risk — Low transaction volume means low returns.
- Liquidity risk — 30-day withdrawal delay. Your capital is locked during this period.