Money account · Robinhood Chain

Idle cash goes in. Earning cash comes out.

Hold USDG, pay anyone by @handle, and set a cash floor. Everything above it is swept into a real Earn vault, and pulled back the moment you need it.

Earn APY—
Vault TVL—
Block—

Self-custodial. Not a bank. Earn yield comes from a third-party vault, is variable and is not guaranteed.

A brick bottle kiln glowing from its arched mouth, glazed discs stacked beside it
Earn vault APY — reading the vault…
Vault TVL — block —
share price —
Into Earn · livevault
  • Watching Robinhood Chain for the next deposit…

Each disc is one real deposit into the Steakhouse USDG vault.

Read from Robinhood Chain, every block
Vault TVL—Steakhouse USDG · Morpho
Earn APY——
Deposits seen0this visit, live
ETH / USD—onchain price feed
Klinmoor cash—contract not deployed yet
Last block—~0.1 s per block
Three moves

Pay. Earn.
Let it run.

One balance in USDG, the dollar on Robinhood Chain. These three panels are wired to the chain: try them before you connect anything.

Pay @handle

Send dollars to a name, not a hex string.

Claim a handle once. A payment to a handle lands in that person's Klinmoor cash in the same block. Paying a plain wallet sends USDG straight to it.

Type a handle to look it up on chain.
Continue in the app
Earn

Real vault yield, read live.

Earn holds shares of Steakhouse USDG, a Morpho vault lending against collateral. The rate moves with demand.

Vault shares you'd get—
Share price now—
Projected in a year—

Quote from previewDeposit on the live vault. Variable rate, not a promise.

Autopilot

A rule you can read out loud.

Keep in cash. When more than piles up above it, sweep the rest into Earn.

If lands—
Stays in cash—
Goes to Earn—
Earning per year, at today's rate—

Example Projection only. Anyone may trigger your sweep; it can only move your money into your own Earn.

Autopilot

Set a floor.
Fire the rest.

You write the rules once. A keeper checks them every few minutes and calls the contract when one is due. It can never send your money anywhere else: every move is between your own cash, your Earn and your goals.

Cash floorExample account
Cash
—
Earn
—
Goal
—

01 · Cash floor

Decide what stays spendable.

Pick the amount you want ready for payments, say $500. That is your floor. Anything above it is idle money, and idle money is what Autopilot works with.

setAutopilot(floor, minSweep)

02 · Sweep

Overflow goes to Earn.

When cash rises past floor + your minimum, the excess moves into the vault and starts earning. Your own deposits get a one-hour grace first, so a sweep never lands between you adding money and spending it.

sweep(user) · emits Swept

03 · Refill

Spend below the floor, it tops back up.

Pay someone and cash dips under the floor? Refill redeems just enough vault shares to bring it back. You never have to remember to move money out.

refill(user) · emits Refilled

04 · Goals

Save on a schedule, locked until it counts.

A goal takes a fixed amount from cash on your interval, holds it in Earn, and stays closed until its unlock date or its target. Goal money keeps earning and cannot be spent by accident.

contribute(user, id) · emits GoalFunded

GoalsExample goals

Pots that fill while they earn.

Each goal is its own bucket of vault shares in the contract, with a label, a target and an unlock date.

Markets · read-onlylive

Prices from onchain feeds.

AssetPriceUpdated
Reading price feeds…

ETH↔USDG swaps run in the app through Uniswap. Stock tokens are shown for reference only: Klinmoor does not trade them.

Card

A card face for your cash.

Spending by card needs an issuing partner and KYC, which Klinmoor does not have. So the card is a demo: you can see how freeze and limits would feel, and nothing real moves.

Demo card — nothing real moves.
Frozen
KlinmoorDemo
0000 0000 0000 0000
Demo holderNot a real card
Security

Your keys, your floor.
Check it yourself.

Klinmoor is one small contract with no owner and no upgrade switch. Here is what that means, and where to verify each part.

Self-custodial

Your wallet signs every move you make. Nobody else can withdraw, pay or close a goal for you.

No admin, no fee

No owner, no proxy, no pause and no fee in the contract. USDG and the vault are fixed at deploy.

Real dollars

Cash is USDG, the Paxos-issued dollar on Robinhood Chain, at a hardcoded address. Lookalike tokens are ignored.

Autopilot can't steal

Anyone may run your rules, but a sweep or refill only moves your money between your own cash and your own Earn.

How a sweep works
  1. Someone callssweep(you) — the keeper, or anyone.
  2. Your rule is checkedpreviewSweep: cash above floor + minimum, grace over.
  3. USDG enters the vaultVAULT.deposit() with an exact approval.
  4. Shares are booked to youYour Earn grows. A Swept event is public.
Contracts on Robinhood Chain (4663)
FAQ

Plain answers.

If something here is unclear, the docs go deeper and link every contract.

Is Klinmoor a bank?

No. It is a contract on Robinhood Chain plus this website. Your balance is not FDIC or SIPC insured.

Where does the yield come from?

From Steakhouse USDG, a Morpho vault that lends USDG to borrowers who post collateral. Borrowers pay interest; the vault passes it on. The rate changes daily.

Who can move my money?

Only you. Autopilot calls can be made by anyone, but they only move your cash into your Earn or back, following the rule you set.

What does it cost?

Klinmoor takes no fee. You pay Robinhood Chain gas, usually a fraction of a cent. The vault currently charges no fee either.

How fast can I get money out?

Cash is instant. Earn depends on the vault having liquid USDG, which it normally does; if it ever doesn't, exits wait until it does.

What is real and what is a demo?

Cash, pay, Earn, Autopilot, goals and ETH↔USDG swaps are real. The card is a demo. Borrow and stock prices are read-only.

Do I need an email or a seed phrase?

Neither from us. You connect a browser wallet you already use, like Rabby or MetaMask.

Has it been audited?

Not by a third party. The contract is small, tested against the live vault, and reviewed internally. Use amounts you are comfortable with.

Disclosures
  • Custody: your funds sit in the Klinmoor contract under your address; only your wallet can withdraw them.
  • Yield: variable, from a third-party vault (Morpho, Steakhouse curator). Past rates say nothing about future rates. No promise of returns.
  • Vault risk: losses or illiquidity in the vault's markets affect Earn and goals. Moving Earn back to cash needs liquid USDG in the vault; when it is short, exits wait. The curator could add a deposit gate after a 7-day timelock; exits would keep working.
  • USDG is issued by Paxos, which can freeze addresses or pause the token.
  • Never send USDG straight to the Klinmoor contract address: only deposit credits you, and a direct transfer cannot be recovered.
  • Not audited by a third party. Mainnet, real money.

Set your floor.

Connect a wallet, add USDG, write one rule. The kiln does the rest, in public, block by block.

Open app
Open app