> ## Documentation Index
> Fetch the complete documentation index at: https://docs.monofin.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Earn risk tiers

> Core, Plus, and Frontier — Monofin Earn's three risk tiers, what each holds, and who curates it.

Every vault in Monofin Earn carries a **risk tier badge**. Tiers don't tell you what to do — they tell you what you're holding. Higher tier, higher potential yield, higher risk. You self-select. Our job is honest labeling.

## Tier 1 — Core

**Treasury-grade.** The most conservative products in DeFi yield.

* **What it holds:** tokenized money-market funds (T-bills), Aave USDC supply, blue-chip Morpho vaults curated by names like Steakhouse
* **Risk profile:** deepest liquidity, conservative collateral, multi-year track records
* **For:** balances you can't afford to surprise yourself with

## Tier 2 — Plus

**Institutionally curated.** Professional risk curators running broader strategies.

* **What it holds:** vaults from curators like Gauntlet and Re7, with published risk frameworks
* **Risk profile:** broader collateral sets (including BTC-backed lending) and active curator management — read the vault's disclosures before depositing
* **For:** idle balances where you accept curator and collateral risk in exchange for meaningfully higher yield

## Tier 3 — Frontier

**Strategy yield.** Younger protocols, more complex strategies, the highest advertised rates.

* **What it holds:** delta-neutral and structured-strategy vaults — yield sourced from trading strategies run by the strategy manager
* **Risk profile:** strategy-manager and execution counterparty risk on top of smart-contract risk; youngest protocols, smallest track records
* **For:** money you consciously allocate to higher risk — sized accordingly

## How to choose

**1. Read the yield source**

One sentence on every card: where the yield comes from. Not clear? Don't deposit.

**2. Check the curator**

Name and track record are on the card. Curator quality is the product.

**3. Match the tier to the money**

Trading float → Tier 1. Longer-term park → Tier 2. Risk allocation → Tier 3.

**4. Know the exit terms**

Withdrawal terms are stated on every vault. "No fixed lock-ups, subject to available liquidity" means exactly that.

> [!WARNING]
>
> All yields are variable and indicative, never guaranteed. DeFi vaults carry smart-contract, curator, and market risk; deposits are not insured and losses are possible — in every tier, including Core. Tier labels describe relative risk, not safety.


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