Deposit dollars or tokenized stocks on Robinhood Chain. They're lent on Morpho, and the interest becomes AI credits for you or your agents. You never sell a share.
What each vault pays right now. Pick a row to see what it would earn you.
| Vault | Price | Dollars earn | Loan costs | Room left | You earn | Credits / yr on $1,000 |
|---|
Credits a year = amount × today's rate. Rates move with demand and aren't guaranteed.
What credits buy uses today's model prices plus Raeto's 8% fee. Credits never expire.
Raeto doesn't hold your money or run its own lending. Your deposit sits in an onchain vault contract and is lent through Morpho, one of the most used lending protocols.
Your deposit sits in the vault contract on Robinhood Chain. 100% of it stays yours, and nothing in the contracts can block a withdrawal.
Lending runs on Morpho's audited contracts. Borrowers must post more collateral than they borrow, and positions that fall short are liquidated by the protocol.
Stock vaults borrow only about 30% of your shares' value, and the keeper repays early if the stock falls. The stock could drop about 52% before liquidation becomes possible.
Stock prices come from Chainlink-based oracles on Robinhood Chain, the same feeds Morpho uses. Raeto doesn't set them.
The vault can pause new deposits in an emergency. There's no switch to stop withdrawals.
Every vault is a public contract on Robinhood Chain. Look at deposits, loans and withdrawals yourself on the explorer.
Smart contracts can still have bugs, and audits lower that risk without removing it. Read Risks before you deposit.
Borrowers on Morpho pay interest to borrow the dollars the vaults lend. They post more collateral than they borrow.
A stock vault earns the gap between what its lent dollars earn and what its loan costs. When the loan costs as much or more, the gap is zero and it earns nothing for that time. We show 0%, never a made-up number.
Raeto turns interest into credits about every 30 minutes. If that service ever stops, interest keeps building in the vault and is credited when it restarts.
Yes, once, with the wallet you deposit from. Anything earned before you sign in is credited in full on your first sign-in.
Yes. There's no lockup. See the notes above for large withdrawals and stock vaults.