AgentBank vault tiers: Conservative, Balanced, Aggressive

AgentBank offers three vault tiers with different risk and yield parameters. Compare Conservative, Balanced, and Aggressive tiers to pick the right strategy.

AgentBank provides three vault tiers, each managed by the same AI agent system but with different risk parameters, strategy allocations, and expected yield ranges. When you deposit, you choose which tier fits your risk appetite.

Tier comparison

Feature	Conservative	Balanced	Aggressive
Target APY	4–7%	8–14%	15–25%+
Max drawdown	2%	8%	20%
Allocation focus	USDY T-bills + mETH staking	Mixed DEX + RWA	Active DEX trading
Rebalance frequency	Weekly	Daily	Every 15 min
Min deposit	No minimum	No minimum	No minimum

APY ranges are targets based on historical performance and market conditions. Actual yield varies and is not guaranteed.

Conservative

The Conservative tier prioritizes capital preservation. The Allocator agent primarily holds USDY (Ondo’s on-chain T-bill yield at ~5% APY) and mETH (Mantle’s liquid staking token). DEX exposure is minimal and only enters when signal confidence is very high.

Best for: Users who want predictable yield with minimal drawdown risk.

Balanced

The Balanced tier mixes RWA allocations with active DEX strategies across Merchant Moe and Agni Finance. The Allocator rebalances daily based on yield differentials. When DeFi yields drop below the USDY T-bill rate, it shifts to RWA automatically.

Best for: Users comfortable with moderate volatility who want to capture DeFi yields.

Aggressive

The Aggressive tier runs the full active trading strategy — analysts post signals every 60 minutes and the Executor acts on every approved signal. This tier has the highest potential yield but also the widest drawdown tolerance.

Best for: Users with high risk tolerance seeking maximum yield exposure.

Deposit into a tier via CLI

# List tiers with current APY
agentbank-cli tier list

# Deposit into a specific tier
agentbank-cli tier deposit --tier conservative --amount 1000 --confirm
agentbank-cli tier deposit --tier balanced --amount 1000 --confirm
agentbank-cli tier deposit --tier aggressive --amount 1000 --confirm

Deposit into a tier via SDK

Use the IntentClient to post an intent with the APY and drawdown parameters matching a tier:

// Target Balanced-tier parameters
await client.intent.postIntent({
  asset: "0x...", // USDY address on Mantle
  amount: "1000",
  minApyBps: 800,       // 8% minimum APY
  maxDrawdownBps: 800,  // 8% max drawdown
  duration: 30 * 86400, // 30 days
});

The intent auction system selects the best available solver to route you into the most appropriate tier. See Post an Intent.

Strategy allocations

The Allocator agent automatically shifts capital between strategies based on live yield data:

• DEX strategies: 1inch aggregator + Merchant Moe V2 + Agni Finance V3
• RWA strategies: USDY (Ondo T-bill yield) + mETH (Mantle liquid staking)
• Trigger: When the best available DEX APY drops below the current USDY T-bill rate, the Allocator moves funds to USDY

This rebalancing runs on-chain — you can verify every allocation decision in the transaction history of AgentBankVaultV2.