Underscore Protocol
Your Financial Command Center, Reimagined
Transform your static wallet into a dynamic financial operating system. One that connects to every top DeFi protocol, enables automated strategies through secure delegation, and maintains institutional-grade security — all through a single interface.
Atomic Operations: Rebalance $500k across five protocols in one transaction. Move from Aave's 7% to Morpho's 12% APY in one click. Claim rewards, swap to USDC, and re-deploy — what took 15 minutes and 5 transactions now happens instantly.
Secure Delegation: Let AI agents capture that 15% APY spike at 3am while you sleep. Enable your CFO to pay $100k in vendor invoices without touching your $2M reserves. Set exact position limits: "Trade up to $50k USDC but never touch my ETH." Every action validated against your rules, revocable with one click. All powered by Managers — your automated operators that never sleep.
Unified Protocol Access: No more tab juggling or phishing risks. Your Underscore wallet connects directly to Morpho, Aerodrome, Aave, Uniswap, and every major protocol through battle-tested adapters. Execute a Morpho deposit → Aerodrome swap → Aave leverage strategy in a single transaction.
Intelligent Payment Rails: Pay contractors with 72-hour cancellation windows using Digital Cheques. Let employees pull their exact $5k monthly salary (not a penny more) as Payees. Move millions between your own wallets instantly via Whitelist. Your funds earn 5% APY until the millisecond they're needed.
Your wallet shouldn't just hold money. It should make money. Every second. Automatically.
Core Components
Stop choosing between security and functionality. Get both.
One address for every DeFi protocol
Intelligent automation with manual override always available
Institutional security without institutional complexity
Complex operations executed in single transactions
Perfect for: Active DeFi users managing $10k-10M portfolios
Let humans or AI work for you — within your exact boundaries.
Granular permissions - Allow only what you specify
Hard spending limits - Daily, monthly, and lifetime caps
Time-based controls - Auto-expire after set periods
Instant revocation - Your control is absolute
Perfect for: Traders who need 24/7 execution, teams managing treasury
Replace wire transfers with programmable payment relationships.
Pre-approved recipients with individual limits
Automated payments while funds earn yield
Pull payment support for subscriptions
Period-based caps preventing overspending
Perfect for: Payroll, rent, subscription services
Time-locked payment promises you control until cashed.
Security delays for large amounts
Cancel anytime before payment
Transparent onchain for both parties
No funds locked until actual payment
Perfect for: Contractors, large one-time payments, untrusted recipients
Unlimited access for your most trusted addresses.
No restrictions for whitelisted addresses
Time-locked additions for security
Instant removal if ever needed
Perfect for: Multi-wallet strategies, hardware wallet, cold storage
Earn real revenue share from protocol activity.
50% revenue share for ambassadors (default)
Yield bonuses on realized profits
Deposit points for holding assets
No lock-ups - claim anytime
Perfect for: All users (passive income from regular activity)
The Magic: How It All Works Together
Your Underscore Wallet isn't just one thing — it's an ecosystem of intelligent features working in harmony.
Example Day in Your Financial Life
5 AM: Your AI Manager notices Morpho offering 1% better yield than Aave. It automatically rebalances $50k, capturing extra yield while you sleep.
10 AM: Monthly rent is due. Your landlord (configured as Payee) pulls exactly $2,500 USDC. Not a penny more. Your remaining funds keep earning yield.
2 PM: You need to pay a contractor. Create a $5,000 cheque with 3-day delay. If they don't deliver, cancel it. Simple.
4 PM: Time to fund your aggressive trading wallet. Move $20k to your other Underscore wallet (whitelisted) instantly. Your AI agent spots an arbitrage opportunity.
11 PM: Your portfolio rebalanced 3 times today across 5 protocols. You didn't lift a finger..
Who Uses Underscore
Underscore isn't a consumer app — it's the infrastructure that powers the next generation of financial applications. Think of it like AWS for DeFi — but fully non-custodial.
Applications Building on Underscore
Fintech Apps: Like Hightop, which uses Underscore to power yield optimization, swaps, borrowing, and their AI Private Banker
Smart Wallets: Adding advanced DeFi features and delegation to existing wallets
AI Agents: Portfolio managers and trading bots operating as Managers within user-defined limits
The Hightop Example
Hightop demonstrates the power of building on Underscore:
Their AI Private Banker is an Underscore Manager that optimizes yield 24/7
User withdrawals work through Underscore's Whitelist for instant access
All DeFi operations (yield, swaps, borrowing) powered by Underscore Legos
Users see a simple mobile app — Underscore handles all the complexity
Most users will never interact with Underscore directly. They'll use apps like Hightop that leverage our infrastructure to deliver seamless experiences.
→ Learn more: Who Uses Underscore
Common Questions
Is my wallet upgradeable? No. Your wallet code is immutable for security. New features come through Lego integrations. If new features come, you can migrate to a new Underscore wallet.
What are Legos? Standardized integrations with DeFi protocols. When new protocols launch, your wallet can use them immediately.
Can I use multiple wallets? Yes. Whitelist them for instant transfers between your wallets.
What about L2s? Currently Base L2 only. More chains coming.
How do fees work? Small fees on swaps (0.25%), yield profits (10%), and external reward claims (10%). No fees on transfers, deposits, or idle funds. Up to 50% of fees go to ambassadors and users through revenue sharing.
What happens if I lose my owner wallet? If you've set up managers and whitelisted addresses beforehand, managers can still transfer funds to your whitelisted addresses (like hardware wallets), providing a recovery path.
Can managers steal my funds? No. Managers operate within blockchain-enforced limits. They can only perform authorized actions within your spending caps and cannot withdraw to external addresses or modify their own permissions.
How do I handle emergency transfers? Pre-whitelist your hardware wallet or secure addresses. Unlike payees (with limits) or cheques (with delays), whitelisted addresses can receive unlimited transfers instantly for emergencies.
Payment Methods Comparison
Understanding which payment tool to use for different situations:
Use Case
Instant unlimited transfers to trusted addresses
Automated recurring payments
One-time payments with control
Payment Limits
None — completely unlimited
Customizable per-recipient
Set per cheque
Setup Time
Time-locked addition (configurable)
Immediate with limits
No setup needed
Key Benefit
Emergency access & multi-wallet strategies
Set once, runs automatically
Cancel anytime before cashed
Best For
Hardware wallets, cold storage, other Underscore wallets
Salaries, rent, subscriptions
Contractors, large transfers
Risk Level
Highest — can drain wallet
Medium — capped by limits
Low — cancellable
Getting Started
Start with the User Wallet to understand the foundation. Then explore the specific features that match your needs:
For Automation: Set up Managers to delegate operations
For Recurring Payments: Configure Payees for automated transfers
For One-Time Payments: Use Cheques with cancellation ability
For Multi-Wallet Strategies: Add addresses to your Whitelist
For Earning Rewards: Learn about revenue sharing and bonuses
Technical Documentation
For developers and integrators: Complete Technical Documentation
Build on Underscore's infrastructure with detailed guides on smart contract architecture, Lego Partner integrations, and security models. Over 30 production contracts documented with integration examples.
Community & Support
Discord: discord.gg/underscore
Twitter/X: @underscore_hq
GitHub: github.com/underscore-finance
The Future of Financial Operations
Remember those 10 tabs you had open, constantly checking URLs? The yield opportunities you missed at 3am? The manual approvals, one by one, for every protocol?
That's not DeFi. That's DeFi handicapped by tools from 2020.
Underscore delivers what crypto promised: programmable money that works as hard as you do. Your funds earning across protocols while maintaining liquidity for payments. Your trusted operators executing strategies within unbreakable boundaries. Your security protecting without restricting.
This isn't about choosing the lesser evil. It's about having everything — automation and control, security and accessibility, simplicity and power.
One wallet. Every protocol. Total control.
Stop managing wallets. Start managing wealth.
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