About
Tech Stack
Use Cases
Security
FAQ

Personal Finance Agents

Grow and protect your money with AI agents that adapt to you.

Up to 20% APY on$

Backed by

What is Sail

An open stack for the agentic economy

Sail is built to empower individuals, builders, and institutions to deploy intelligent AI agents that autonomously manage, optimize, and compound capital across DeFi — all while maintaining complete onchain transparency, control, and self-custody.

Two ways to use Sail
Consumer
Total balance
$11,920↑ 14.2%

Stablecoin Agent

Deposit stablecoins into your self-custodial Sail Account, set your preferences (or use defaults), and let your agent autonomously reallocate your capital across DeFi to maximize risk-adjusted net APY.

Developer
sail-api.ts
12345678910
import { Sail } from '@sail/sdk'

const client = new Sail({
  apiKey: process.env.SAIL_KEY
})

const { apy, route } = await
  client.optimize({
    asset:  'USDC',
    amount: 10_000
  })

// → { apy: 6.4%, chain: 'Arbitrum' }

API / SDK

Build financial products without the overhead. Integrate institutional-grade yield optimization with a single API call.

The Sail Engine

An autonomous yield infrastructure that continuously routes capital, scores risk, and enforces compliance — across every chain. Check Docs

Performance

Sail's optimization engine manages cross-chain portfolios using a balance of analytic scoring and adaptive learning.

Sail Current APY...
Sail Avg APY 30d...
Benchmark A...
Benchmark B...
0%2%4%6%
JanMarMayJulSepNovNow

In numbers

Real-time infrastructure metrics and capability benchmarks powering Sail.

A solution for every user

From neobanks embedding yield products to retail savers earning 6%+ APY — Sail's infrastructure adapts to every use case.

Neobanks & Fintechs
Crypto Wallets
Liquidity Providers
Retail Users

Click any card to explore

NEOBANKS & FINTECHS
N
Nexus Bank
Powered by Sail
Live
23,421Active earners
$2.418MTotal yield paid
6.4%Avg user APY
Monthly yield revenue
JFMAMJJASOND

Neobanks & Fintechs

Embed a white-label earn experience into your banking app. Give your users 6%+ APY while generating a new revenue stream — zero DeFi expertise required.

CRYPTO WALLETS
Portfolio$14,628.00
U
USDC8,420
$8,420+6.4% APY
U
USDT3,100
$3,100+5.9% APY
E
EURC2,850
$3,108+5.2% APY
Earning today+$0.18

Crypto Wallets

Let your users earn on every token they hold. Sail routes idle balances to best-in-class yield automatically, with no extra UX complexity on your end.

LIQUIDITY PROVIDERS
PositionsTVL $10.8M
USDC / USDTAave v3
5.9%APY
Active$4.1M
USDC / EURCMorpho
6.4%APY
Rebalancing$3.8M
USDT / EURCCompound
5.2%APY
Active$2.9M
+$48,230Earned this week
200+Protocols scanned

Liquidity Providers

Stop manually chasing yield. Sail's engine monitors 200+ protocols and continuously rebalances your liquidity to the highest risk-adjusted returns.

RETAIL USERS
... active earners
Live
$2.4Myield paid today
6.4%avg APY
$0minimums

Retail Users

Access institutional-grade DeFi yields with a single tap. No wallets, no gas fees, no complexity — just your money growing at 6%+ APY.

Agentic Security

Sonar monitors on-chain signals in real time and alerts Sail's agents to act before threats reach your capital.

  • Stablecoin depeg alerts

    All stablecoins checked every 5 minutes. Alerts fire on any 5%+ drop from peg.

  • Liquidity drop detection

    Protocol liquidity monitored hourly. A 20%+ decline triggers an immediate protective action.

  • Agent-layer integration

    Every alert feeds directly into Sail's agents — exits and rebalances run automatically.

  • Adaptive execution speed

    Larger balances unlock higher-frequency agent cycles for faster risk response.

  • Battle-tested in real markets

    Sonar has successfully detected and mitigated risks in live market conditions, including depegs, resulting in no user losses to date.

NESW255075
USDC
USDT
EURC
LIVE SCANNING
SonarSecurity Agent
5%depeg
20%TVL
24/7active
Learn more

FAQ

Team Sail03:16 PM
Sail is an autonomous AI agent that optimizes stablecoin yields across multiple protocols and networks in a fully non-custodial way. You deposit your USDC, USDT, or EURC, set your preferences, and the agent continuously monitors 43+ yield sources to maximize risk-adjusted returns 24/7.

Every fintech will personalize.
The question is how.