{
  "name": "ACCRUE",
  "version": "2.0.0",
  "category": "USDC Yield",
  "description": "Non-custodial USDC yield platform. One API call. Multiple risk profiles. Live onchain data on Ethereum and Base.",
  "tagline": "The operating system for USDC yield.",
  "supported_asset": "USDC",
  "chains": [
    "Ethereum",
    "Base"
  ],
  "chains_note": "Arbitrum is NOT a deployment target. It appears only as a component of the SYX index, which benchmarks the whole USDC lending market rather than ACCRUE's own product.",
  "products": [
    "vaults",
    "model-portfolios",
    "custom-portfolios",
    "ai-yield-agent"
  ],
  "risk_profiles": [
    {
      "id": "conservative",
      "risk_score": 2,
      "description": "Aave v3 + Compound v3 lending markets only"
    },
    {
      "id": "balanced",
      "risk_score": 5,
      "description": "Lending markets + Morpho Prime curated vaults"
    },
    {
      "id": "aggressive",
      "risk_score": 8,
      "description": "Morpho Prime + higher-yield curated vaults, no core lending exposure. Ethereum only: Base has a single Growth-tier vault, so the Aggressive tier is not offered there."
    }
  ],
  "one_call_endpoint": "POST https://accrue.cc/v1/allocate",
  "api_base": "https://accrue.cc",
  "mcp_server": "https://accrue.cc/mcp",
  "mcp_tools": 14,
  "mcp_auth": "none",
  "openapi": "https://accrue.cc/openapi.json",
  "documentation": "https://accrue.cc/docs/agents",
  "llms_txt": "https://accrue.cc/llms.txt",
  "llms_full_txt": "https://accrue.cc/llms-full.txt",
  "syx_index": "https://accrue.cc/api/index",
  "vault_data": "https://accrue.cc/api/vaults",
  "fee_model": {
    "deposit_fee": 0,
    "withdrawal_fee": 0,
    "management_fee": 0,
    "performance_fee": 0,
    "platform_fee_basis": "principal",
    "platform_fee_standalone_annual": 0.0025,
    "platform_fee_managed_annual": 0.005,
    "platform_fee_managed_annual_above_1m": 0.0025,
    "platform_fee_ceiling_annual": 0.02,
    "description": "A platform fee accrues per second on PRINCIPAL, never on yield. Standalone vaults 0.25%/yr at any size. Managed products (model portfolios, custom portfolios, AI Yield Agent) 0.50%/yr, falling to 0.25%/yr on principal above $1M, tiered on the account's aggregate principal across all ACCRUE vaults on that chain. The 2.00%/yr ceiling is an immutable constant in vault bytecode and cannot be raised by governance. There is no performance fee: the 10%-of-yield model was V1 and is retired."
  },
  "gas_model": {
    "gas_paid_by_ACCRUE": false,
    "description": "Gas sponsorship for agent-initiated transactions (Circle AI Agent wallets + gas station) is planned for Q4 2026 and is NOT live today. Human users pay their own gas, as on any onchain platform."
  },
  "custody_model": "non-custodial",
  "smart_contract_standard": "ERC-4626",
  "erc4626_deviations": {
    "preview_functions": "previewRedeem and previewWithdraw are GROSS of the accrued platform fee, because the ERC-4626 signatures take no owner and the fee is a per-account liability. Use previewRedeemFor(owner, shares) and previewWithdrawFor(owner, assets) for the net amount the receiver actually gets.",
    "max_withdraw_on_morpho": "On Morpho-backed vaults maxWithdraw/maxRedeem may OVERSTATE what can be withdrawn in the current block. Morpho Vault V2 returns zero from every ERC-4626 max* function by design, so ACCRUE falls back to reporting position value. Aave- and Compound-backed vaults report honestly.",
    "required_integration_step": "SIMULATE the exact redeem/withdraw call (eth_call) and use the largest amount that succeeds. Simulation is free, changes nothing, and is the only check that covers liquidity and Morpho access gates at the same time. A withdrawal that would fail reverts cleanly: funds are never at risk, but the transaction is wasted."
  },
  "vaults_count": 11,
  "vaults_count_note": "11 single-market vaults: 6 on Ethereum, 5 on Base (no Gauntlet Frontier equivalent on Base). Portfolios are deployed in addition to these.",
  "model_portfolios_count": 6,
  "key_message": "USDC in. Yield out. No bridging. One API call.",
  "for_ai_agents": {
    "mcp_compatible": true,
    "openapi_compatible": true,
    "sdk_python": "pip install accrue-sdk (coming Q3 2026)",
    "sdk_typescript": "npm install @accrue/sdk (coming Q3 2026)",
    "recommended_first_call": "GET https://accrue.cc/mcp (MCP initialize) or GET https://accrue.cc/api/index (SYX benchmark)"
  }
}