How Freestock
works.

Supported live features

Create and fund a position

1. Connect your wallet. Switch to Robinhood Chain, chain ID 4663, then confirm a free ownership message. This creates or opens your wallet profile, without moving funds or approving token spending.
2. Restore or create. Freestock checks saved positions before offering creation. A new position deploys a personal account from your wallet. Review the ETH fee, then approve the deployment.
3. Approve an exact USDG amount. The approval names your verified account as spender and only authorizes the amount you reviewed. Freestock does not request unlimited USDG allowance.
4. Deposit separately. A second transaction moves USDG into the account and configured lending vault. Approval alone does not start lending.
5. Manage your position. Once confirmed, use available gains for stocks, reserve them as principal, add funds or withdraw.

You need USDG and ETH on Robinhood Chain. Wallet balances, network fees, vault conditions and transaction simulation determine whether an action can proceed.

New and existing accounts

New V2 accounts have no Freestock deposit cap. Older V1 accounts cannot be upgraded: their 100 USDG principal limit is immutable. Existing positions remain restorable and withdrawable. Use More actions → Create another position to create a V2 account; funds are not migrated automatically.

A new account does not increase your token allowance automatically. Each new deposit still requires an exact allowance and a wallet-approved transaction.

Balances, principal and available gains

Account value = redeemable vault shares + idle USDG
Available surplus = max(account value − principal baseline, 0)
Stock budget = max(available surplus − 0.000002 USDG, 0)

The principal baseline is an accounting value, not a guarantee of capital. Deposits increase it, withdrawals reduce it, and a full exit clears it. Losses must recover above the baseline before new gains can be spent.

Direct USDG or vault-share donations also increase surplus. Available gains are therefore not a ledger proving that every increase came from borrower interest. The two-micro-USDG reserve helps cover rounding.

Holding vault shares already reflects the vault’s performance. “Reserve gains as principal” increases the baseline and deposits idle account USDG. It does not create extra yield.

Stock choices and baskets

Select a stock or weighted basket and choose how much available surplus to spend. Weights must total 100%. The purchase budget is separate from your deposited principal.

Purchased tokens go to the account owner’s wallet. Basket legs execute atomically: if any required swap cannot meet its minimum, the entire purchase reverts. Stock Tokens provide economic exposure, not ownership of underlying shares.

Quotes, limits and network fees

Live purchases use actual Uniswap V3 quotes. Each review shows estimated token receipts, minimum receipts and an estimated ETH network fee. The supported routes use a 0.05% pool fee included in the quote. The minimum allows 1% less output than the quote, rounded down.

Freestock checks half-size and full-size quotes to reject unavailable or strongly nonlinear routes. Larger purchases can still fail liquidity checks. A quote is not a guaranteed execution price.

Prepared transaction reviews expire after 45 seconds. Stock transactions use a 120-second onchain deadline. Deposit previews require at least 99.9% of the quoted vault shares. The displayed ETH estimate includes a 20% gas-limit buffer; your wallet shows the final fee.

Every action is simulated for the actual sender before the wallet prompt. Changes to liquidity, balances, gas, prices or the network can still cause a submitted transaction to revert and consume gas.

Agentic Lending: recommendations you control

The current engine uses deterministic rules. It checks your verified position, available surplus, stock allocation, conversion minimum, pause state and maximum ETH fee budget.

It can recommend waiting, retaining gains or reviewing a purchase. Stale data, losses, a pending wallet request or insufficient gains prevent a purchase recommendation. A review always requests fresh transaction details.

Plans are stored locally for the selected wallet/account. They do not grant spending permissions. There is no AI model, operator signer or unattended trader. A recommendation becomes a transaction only after your explicit wallet approval.

Activity, restoration and recovery

Activity saves verified account references and transaction records to your wallet profile. Restoring a reference rechecks the deployment, contract code, owner and configured dependencies against the chain.

History imports scan a bounded range and can resume after partial scans or chain reorganizations. Approvals, failures and replacement transactions may need a separate hash import. Direct transfers are outside the account-event scan. Totals and exports cover displayed records, not lifetime profit or complete wallet holdings.

Pending wallet requests use a device-local journal. It records enough information to check submission, cancellation or replacement without repeating an uncertain transaction. A pending request takes priority over new actions. Keep its hash when recovering on another device.

A profile-saving error does not undo a confirmed financial transaction. The chain receipt is the record of execution. Retry saving through Activity, not by repeating the deposit or purchase.

To exit, use More actions → Withdraw all USDG. The full remaining account value returns to the owner when liquidity and the transaction’s minimum permit. Purchased Stock Tokens stay in the wallet.

Lending market coverage

The homepage and market explorer show data for the tracked Morpho USDG vault and lending markets. A listed market is not automatically an executable strategy in Freestock. The live account currently uses one configured Steakhouse vault.

Displayed historical APYs describe an observed period and may change. They are not fixed rates or return forecasts. Vault rates already reflect the vault’s accounting; deposits and withdrawals depend on its current conditions.

Feeds include observation times. If a live source is unavailable, any retained snapshot is labeled with its timestamp. Missing information is not silently replaced by a claimed live rate.

Stock lending: market data only

Freestock tracks AAPL, GOOGL, NVDA, SPY and TSLA loan-asset markets with USDG borrower collateral. Amounts are Stock Tokens, not dollars. These markets are read-only in Freestock; stock deposits, borrowing and withdrawals are not enabled.

A 0% historical supply APY with zero balances means the observed market has no lending activity. It does not indicate a promised future rate. Available tokens means unborrowed tokens, not guaranteed withdrawal liquidity.

The inspected price adapters can accept stock prices up to four days old. This is one reason a listing is not an approval to enable deposits. Read the market evidence and limitations ↗.

Contracts and backend

Each user deploys their own FreestockYieldAccount. There is no shared Freestock account, factory or project-token contract configured.

• USDG: 0x5fc5360D0400a0Fd4f2af552ADD042D716F1d168
• Steakhouse vault: 0xBeEff033F34C046626B8D0A041844C5d1A5409dd

The owner and dependencies are fixed at creation. The account has no operator, arbitrary external-call permission or upgrade authority. V1 and V2 deployments are recognized by their exact creation data and version-specific runtime.

The backend reads chain state, prepares unsigned transactions, verifies receipts and stores user-scoped history. It has no wallet private key and does not broadcast transactions. Connecting your wallet opens your profile. Only the account owner’s wallet can authorize account actions.

Full contract reference ↗ · Backend guide ↗ · Public source ↗

Tests include local chain forks with fake funds. They do not prove future liquidity or a completed funded production lifecycle. Real funds can lose value; provider restrictions apply.

What automation does today

Balance refreshes, recommendation checks and receipt reconciliation help you manage the account. They do not sign or execute financial actions. Stock purchases and reserving gains are wallet-approved actions.

Background conversion, delegated execution, automatic pool switching, staking and leveraged LP strategies are not implemented. Those require additional contracts, permissions and execution paths.

Separate simulator

Try it yourself explores the concept with simulated money, illustrative prices and explicit time advancement. It is separate from the live account and cannot move real funds or enable automation.