01What is Toaa
Toaa Finance is a non-custodial interface for earning yield on USDG on Robinhood Chain. It shows a small set of professionally curated lending vaults, ranks them with Kepler, and lets you deposit and withdraw from your own wallet.
Toaa never holds your funds. Your USDG moves from your wallet straight into the vault you choose, and back to you when you withdraw. Toaa has no admin key over your position and cannot move your money.
02Getting started
You need three things: a browser wallet, a little ETH on Robinhood Chain for gas, and USDG.
- Install a wallet. Rabby or MetaMask both work. Toaa never asks for your seed phrase, so never type it into any website.
- Connect. Open the app and press Connect wallet. Toaa asks your wallet to switch to Robinhood Chain and adds the network if it is missing.
- Bring ETH for gas. Bridge ETH from Ethereum with the official Arbitrum portal. A small amount covers many transactions.
- Get USDG. Swap ETH or another token for USDG on a Robinhood Chain exchange. USDG is the only asset Toaa vaults accept.
03Depositing
- Choose a vault from the list. The one tagged Kepler pick currently has the best score.
- Enter an amount, or press MAX to use your whole USDG balance.
- Tick the risk acknowledgement. You only need to do this once per browser.
- Confirm the transactions in your wallet. The first time, you approve the vault to take exactly the amount you entered, never an unlimited amount. Then you sign the deposit itself.
Each step shows a link to the explorer so you can follow it on-chain. Before anything is sent, the app simulates the transaction. If the simulation fails, nothing is sent and you see the reason.
In return for your USDG you receive vault shares. Shares grow in value as the vault earns, so the same number of shares is worth more USDG over time.
04Withdrawing
Switch the panel to Withdraw, enter an amount in USDG or use 25 / 50 / 75 / MAX, and confirm in your wallet. Choosing MAX redeems every share you hold, so nothing is left behind.
05How Kepler scores
Kepler is Toaa's ranking engine. It looks at three live numbers for every vault and combines them into one score:
| Factor | What it measures | Full marks |
|---|---|---|
| APY | Total yield right now, base plus rewards. | Higher is better |
| Depth | How much money is deposited. Larger vaults are harder to move and more battle-tested. Scaled from 0.30 up to 1.00. | $1B deposited |
| Liquidity | How much you could withdraw today. Scaled from 0.30 up to 1.00. | $10M withdrawable |
Depth and liquidity use a logarithmic scale, so going from $100K to $1M counts as much as going from $100M to $1B. The effect: a high APY on a small, illiquid vault scores lower than a steady APY you can actually get out of.
The Kepler's reasoning panel in the app shows each factor for every vault and explains in plain words why the top pick won. Data refreshes every 90 seconds.
06Understanding APY
Each vault shows a total APY split into two parts:
- Base yield: interest paid by borrowers. It moves with lending demand.
- Rewards: extra incentives on top. These are temporary and can change or end at any time.
APY is variable and is not a promise of future returns. The APY history chart shows how it has moved over the last 7 days, 30 days, or since data began.
07Portfolio
The Portfolio tab reads your shares directly from each vault contract and converts them into USDG, so the value is always current. It also estimates earnings per day from the current APY.
Profit is calculated from deposits and withdrawals made through Toaa in the same browser. Positions opened elsewhere show as not tracked, but their value is still correct.
08Risks
- Smart-contract risk: vault or lending contracts could have bugs.
- Curator risk: curators choose where vault funds are lent, and they can make mistakes.
- Borrower and market risk: sharp price moves can cause bad debt in lending markets.
- Liquidity risk: you may not be able to withdraw everything at once.
- Stablecoin risk: USDG could lose its dollar peg.
- Network risk: Robinhood Chain or its RPC providers could be congested or unavailable.
Only deposit what you can afford to lose. Read the Terms before using the app.
09Network & contracts
| Network | Robinhood Chain mainnet (Ethereum Layer 2) |
| Chain ID | 4663 (0x1237) |
| Gas token | ETH |
| RPC | https://rpc.mainnet.chain.robinhood.com |
| Explorer | robinhoodchain.blockscout.com |
| USDG | 0x5fc5360D0400a0Fd4f2af552ADD042D716F1d168 |
Supported vaults (ERC-4626)
| Vault | Curator | Address |
|---|---|---|
| Steakhouse USDG | Steakhouse Financial | 0xBeEff033…5409dd |
| Galaxy USDG RH Stock Tokens | Galaxy Curation | 0xd0dACE70…C830FE |
| Yearn Stonk USDG | Yearn | 0x8c258F25…A4a9A2 |
| Purinta USDG | Api3 | 0x37788ff0…21d0A8 |
Toaa only sends transactions to these vaults and to the USDG contract. Before a vault can receive deposits, the app checks on-chain that its asset really is USDG.
10FAQ
Does Toaa charge a fee?
Toaa adds no fee of its own. Vaults may take a performance fee from yield, shown as Perf. fee in the app, and you pay network gas in ETH.
Can Toaa access or freeze my funds?
No. Toaa is only an interface. Your shares sit in your own wallet and only you can withdraw them.
Why can't I deposit ETH or other tokens directly?
Toaa vaults accept USDG only. Swap to USDG on a Robinhood Chain exchange first.
My wallet says "wrong network".
Click the button in the app and approve the switch to Robinhood Chain (chain ID 4663) in your wallet.
The app says the vault rejected the transaction in simulation.
Nothing was sent and no gas was spent. Common causes: not enough USDG, the amount is above what the vault can pay out right now, or your balance changed. Try a smaller amount or refresh.
Does Kepler move my money automatically?
No. Kepler ranks vaults and explains why. You decide and sign every move yourself.