User Wallet
One wallet unifying top DeFi protocols with automated payments and secure delegation
The Underscore User Wallet is a smart contract wallet that unifies access to top DeFi protocols through a single address. Execute complex multi-protocol strategies in one transaction. Delegate operations to AI agents and trusted operators within strict boundaries. Automate payments while funds earn yield. Move millions between your wallets instantly.
Built on Base L2, your wallet combines institutional-grade security with the flexibility to capture opportunities 24/7 — whether you're actively managing or sound asleep.
At its core, Underscore provides four key components:
Unified Protocol Access: Direct integration with top DeFi protocols through standardized adapters
Delegation System: Managers who can execute strategies within defined boundaries
Security Layers: Time-locks, whitelists, and granular permissions protecting every operation
One Wallet, Every Protocol
Underscore connects to DeFi protocols through standardized adapters called "Legos". Each Lego provides a consistent interface for protocol-specific operations, enabling atomic multi-protocol transactions with optimized gas usage.
Your wallet is future-proof: When new DeFi protocols launch or existing ones add features, they're automatically available to your wallet through new Lego integrations. No need to migrate funds, deploy a new wallet, or update anything — your existing Underscore wallet instantly gains access to every new protocol the moment its Lego is deployed.
Yield & Lending Protocols
Integrated protocols: Morpho, Moonwell, Aave, Euler, Fluid, Compound
Capabilities:
Deposit assets to earn yield
Withdraw funds with automatic unwinding
Track yields and calculate profits
Claim protocol rewards
Rebalance between protocols
Trading & DEX Integration
Integrated DEXs: Aerodrome, Uniswap, Curve
Capabilities:
Swap tokens with smart routing (up to 5 hops)
Add/remove liquidity with automatic ratio calculation
Support for both standard (uni v2) and concentrated liquidity (uni v3+)
Manage NFT positions and adjust ranges
Debt Management
Integrated protocols: Ripe Protocol
Capabilities:
Deposit any supported asset as collateral
Borrow against collateral in GREEN or yield-bearing sGREEN
Repay debt with any accepted token
Earn and claim RIPE rewards
Asset Transformations
Capabilities:
ETH ↔ WETH conversion with zero slippage
Mint and redeem receipt tokens (like stETH)
Handle delayed redemptions
Automatic format conversion for protocol requirements
Rewards & Incentives
Capabilities:
Batch claim rewards across all protocols in one transaction
Auto-compound rewards into productive positions
Track lifetime earnings across protocols
Batch Operations: Multiple Actions, One Transaction
Underscore's architecture allows complex multi-step operations to execute atomically in a single transaction. This provides significant gas savings and eliminates the risk of partial execution.
Examples of Batch Operations
Yield Rebalancing:
1. Withdraw from Aave (lower yield)
2. Deposit to Morpho (higher yield)
3. Claim rewards from both protocols
4. Convert rewards to productive assets
→ All in one transactionComplex Position Entry:
1. Deposit collateral to Ripe Protocol
2. Borrow against collateral
3. Provide borrowed funds as liquidity
4. Stake LP tokens for additional yield
→ Complete strategy in one clickPortfolio Rebalancing:
1. Remove liquidity from multiple pools
2. Swap assets to target allocations
3. Re-deploy into new positions
4. Claim and reinvest all [rewards](rewards.md)
→ Entire rebalance atomicallyOther Wallet Features
Managers: Delegated Operations
Managers are authorized operators — human or AI — who execute actions within your defined boundaries. They can trade, optimize yields, and manage payments, but cannot withdraw to external addresses or exceed your limits.
Use cases:
24/7 yield optimization by AI agents
CFO handling vendor and contractor payments
Professional traders managing portions of portfolio
Automated debt position management
Family members with emergency access
Payees: Your Circle of Trust
Payees form your verified payment network — addresses that can only receive what you've pre-approved. Your funds earn yield until payment time, then transfer automatically. Only you can add addresses to this circle.
Use cases:
Employee salaries paid from yield-earning funds
Automated vendor and contractor payments
Subscription services with pull payment capability
Family allowances with monthly limits
Cheques: Digital Cheques with Control
Digital cheques bring the control of paper cheques to crypto — write payments that recipients cash on their schedule, cancel anytime before they do. Large amounts get automatic security delays. Your funds keep earning yield until payment.
Use cases:
Contractor payments you can cancel if work isn't delivered
Large transfers with built-in review time
Social payments like splitting lunch ($30 to a friend)
One-time vendor invoices with payment flexibility
Any payment where you need an "undo" option
Whitelist: Unlimited Trust
The whitelist breaks the emergency glass on your security — addresses that get unlimited transfers with no delays or limits. Time-locked additions protect against compromise, while instant removal maintains control.
Use cases:
Hardware wallet for emergency fund access
Corporate treasury requiring immediate consolidation
Multi-wallet strategies for risk distribution
Gnosis Safe for recovery if you lose access
Architecture Comparison
Multiple interfaces and logins
Single unified interface
Manual token approvals per protocol
Pre-configured protocol access
External transfers between wallets
Internal routing, no transfers
Manual yield tracking
Automatic profit calculation
Limited automation options
Full delegation capabilities
Separate security per wallet
Unified security model
Frequently Asked Questions
🔐 Security & Control
Is this a self-custody wallet? Yes, absolutely. You maintain complete control of your private keys and assets. Underscore provides the smart contract infrastructure, but only you can authorize transactions.
What happens if Underscore disappears? Your funds remain safe and accessible. The smart contracts are immutable and don't depend on Underscore's servers. You could interact with your wallet directly through BaseScan or any other interface.
💰 Costs & Fees
What are the fees?
Swap fees: Small percentage on token swaps (configurable by protocol)
Rewards fees: Small percentage when claiming protocol rewards (configurable by protocol)
Yield fees: Small percentage of profits when earning yield (configurable by protocol)
Revenue sharing: Up to 50% of fees go back to users and ambassadors through rewards
No fees on: Transfers, idle funds, deposits, debt operations, liquidity provision, or ETH/WETH wrapping
Full transparency: Exact fee percentages shown before every transaction
Technical Setup
Can I use this with my existing wallet? Yes. You deploy your Underscore smart wallet using your existing wallet (like MetaMask), which then acts as the owner key.
What protocols can I access? 20+ protocols including Aave, Morpho, Compound (lending), Ripe Protocol (borrowing), Uniswap, Curve, Aerodrome (trading), and more. New protocols integrate automatically through the Lego system.
What if Base L2 has issues? Base inherits Ethereum's security model. In the unlikely event of L2 issues, established procedures exist for withdrawing assets to Ethereum mainnet. Your funds remain under your control.
Your Move
Right now, while you're reading this, yields are compounding. Opportunities are emerging. Strategies are executing.
Just not yours.
Every day you delay is another day of:
Manual approvals eating your time
Missed yields while you sleep
Anxiety about security
Opportunities slipping through your fingers
Stop juggling wallets. Stop missing opportunities. Stop letting manual operations eat your time.
Your DeFi operations deserve professional tools. Deploy your Underscore wallet and take control of your financial future.
One wallet. Every protocol. Total control.
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