> For the complete documentation index, see [llms.txt](https://docs.hyperbeat.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.hyperbeat.org/liquid-banking/usd+.md). # USD+ USD+ is a yield-generating savings vault built for [Liquid Banking](/liquid-banking.md) that automatically allocates your stablecoins across actively managed lending markets to generate optimized yields. ### How It Works 1. **Deposit** USDC or beatUSD into USD+ 2. **Automatic allocation** spreads funds across multiple lending markets 3. **Continuous optimization** rebalances every 15-60 minutes 4. **Earn yields** from organic borrowing demand 5. **Withdraw anytime** ### Safety Features * **85% utilization cap** prevents liquidity crises * **Multi-protocol diversification** eliminates single points of failure * **Balanced allocations** reduce liquidation risk * **24/7 automated monitoring** responds to market changes ### Yield Sources All returns come from real borrowing demand - no artificial incentives. Borrowers on Liquid Banking Credit pay interest to use your stablecoins as liquidity, and you earn a share of that interest. ### Key Benefits * No active management required * [Audited](/resources/audits.md) * Transparent real-time allocations * Withdraw anytime with maintained liquidity buffers --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.hyperbeat.org/liquid-banking/usd+.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.