Introduction

DeFi is going mainstream. Both institutional allocators and retail users worldwide are deploying increasingly larger amounts of capital onchain. Serving sophisticated asset managers as well as retail users demands transparent, secure, scalable autonomy to earn risk-adjusted returns. DeFi is powerful; it shouldn’t be overwhelming. User-centric tools must turn DeFi’s complexity into simple, trustworthy workflows.

DeFi Saver is purpose-built for this: automation and customization that meet each user where they are. Retail individuals, family offices, or large DeFi funds alike can benefit from one-click execution and 24/7 monitoring. DeFi Saver is the central hub for all things onchain: one dashboard, integrations across all leading protocols, and advanced features (stop losses, take-profit orders, liquidation protection, DCA, etc) that let anyone customize their own strategies without micro-managing any operational burden.

Onchain asset management involves optimizing the trade-off between control and convenience. What delivers hands‑off ease rarely grants hands‑on autonomy. DeFi Saver addresses this by integrating automated features such as vault-like execution and smart wallet custody, with customizable, programmable no-code policies. Users benefit from automation while retaining control over their assets and decision-making.

Users can design and simulate their own strategies while DeFi Saver’s infrastructure executes the plan step-for-step. No need for watching positions around the clock. Write the rules once (target health factor, entry/exit triggers, etc) and, when a threshold hits, the system steps in to repay debt or rebalance collateral exactly as you configured it.

Key Takeaways

• Institutional-Grade Autopilot You Can Control: Non-custodial programmable strategy automation for earning yield onchain—customizable guardrails usable at any skill level.
• Deterministic, Atomic Execution = Fewer Failure Modes: DeFi Saver’s recipes collapse multi-step flows into a single transaction; either all steps successfully complete or none do, reducing interim collateral gaps and incomplete undesired state changes.
• Automation as a Force Multiplier: 24/7 risk management without 24/7 staffing; offchain bots monitor user-set triggers (health factor, collateralization, price and interest rate moves, etc) and act immediately.
• Composability & Positive Sum Synergies: DeFi Saver isn’t just replicating what’s possible through other DeFi protocols’ UIs, but rather operates as an enhancement layer for better risk management and automation on top of existing protocols, rebalancing and refinancing positions as market conditions change.
• Feature-Rich Command Center: Automated portfolio management, one-click leverage looping, cross-protocol loan shifts, auto-deleveraging, integrated DEX aggregation, and custom recipe creation are available by default for capital-efficient and risk-minimized capital movements.

Capital Moves Onchain

TVL and stablecoin supply are at all‑time highs. This incoming capital demands adaptable yield strategies with 24/7 safety guarantees that are auditable and fully transparent onchain. Portfolios need programmable rules and always-on safeguards. That’s what DeFi Saver set out to be: a unified command center for all of DeFi.

DeFi Saver is a single control plane for all actionable steps users can take across lending markets, and blue-chip DeFi protocols. Users set policies and capital allocation rules once, while the protocol’s automation monitors and executes the pertinent actions across positions. By centralizing strategy design in a single interface, its unified hub reduces friction and improves market efficiency, directing positive-sum flows to underlying protocols.

DeFi is complex and includes too much cognitive overhead. Every user action requires manual clicks and constant monitoring. For institutions and the coming wave of more sophisticated capital allocators, that model breaks. It’s the same for the new cohort of incoming retail users as DeFi goes mainstream. People enter DeFi steadily yet cautiously. While onchain positions provide transparent, auditable records where cash flows run as programmable streams, there are still operational risks that keep a large number of asset managers on the sidelines.

Today, most institutional onchain exposure concentrates on RWAs or permissioned private credit vaults. These typically deliver lower returns than other, more flexible strategies, such as using yield-bearing assets as collateral to borrow against and then loop for leverage. In practice, fragmented UX, operational overhead, 24/7 monitoring, and fear of making manual mistakes make complex DeFi strategies feel more like an unnecessary risk than alpha. As a result, many participants settle for lower returns just to avoid DeFi’s cognitive and procedural overhead.

DeFi can only reach institutional scale and maturity when custody is safe, execution is audited, and compliance is provable. Absence of any of these elements increases risk and undermines sustainability. When all conditions are met, capital flows can progress beyond early adopters and pilot use cases. This requirement extends to all user types, as the permissionless design of DeFi requires tools that support a wide range of participation profiles.

Everyone should be able to access and use simple, safe automation, such as stop‑losses, take‑profit orders, liquidation protection, DCA, and prudent leverage. Professionals and less experienced users both win when the interface makes risk simple: one-click actions and personalized setups without manual oversight. DeFi Saver allows for multi-step workflows and cross-protocol composability that is easy to grasp, no matter your level of expertise.

Market Context

As the number of onchain assets grows, their owners will seek ways to actively manage their holdings to achieve greater returns. Today, users can join pooled vaults where their capital is socialized, or design and run their own yield strategies. Each path trades convenience for control and carries a distinct risk–reward.

DeFi investors face a tradeoff: passively earn capital depositing into a yield aggregator, or do the hard work themselves to maximize returns. Passive vaults save time; DIY smart wallets give you more control. Where vaults optimize for convenience, a smart-wallet based approach like DeFi Saver allows for more autonomy to steer every move and run the strategies yourself. One path favors ease; the other favors agency.

Yield aggregation protocols feature ERC-4626 vaults that pool funds from multiple passive depositors. They then leverage economies of scale to save on gas costs and execute automated, manual, or hybrid yield strategies. Once deposited, however, your funds are mixed with others. Meanwhile, an asset manager takes charge of where and how the pool of capital is deployed. Thus, users end up giving up control to the vault smart contracts and the protocol’s asset manager, socializing risks as a result.

In contrast, DeFi Saver enables users to retain direct ownership and control over their assets, providing advanced tools for individual management. Instead of pooling deposits, each user manages their own smart-contract wallet (Safe).  Each user acting as the asset manager of their own portfolio, they can then flexibly allocate their assets as they see fit across leading blue-chip DeFi protocols. DeFi Saver executes bundled actions directly on underlying protocols and can be automated with per-position triggers. Funds never enter a shared managed vault and are segregated at the wallet/position level.

For comparison, DeFi Saver: your rules, your wallet; yield aggregators: one pool, one playbook. Most vaults promise “set‑and‑forget” returns, but if a vault’s strategy misfires or underperforms, its depositors cannot change course. Compare that to DeFi Saver, where users set the risk they are comfortable with, the leverage, and the exit conditions. This doesn’t come at the expense of oversight; automation runs, but on your terms. The value proposition: automation plus agency beats one‑size‑fits‑all.

Pooled vaults simplify by removing choice; DeFi Saver streamlines operations while preserving full user agency. As a user, you can outsource to yield aggregators and lose flexibility, or manage your own smart-wallet and regain it. With DeFi Saver, users preserve control while the protocol removes the grunt work, delivering customizable strategies without operational overhead.

DeFi Saver operates as an execution layer within decentralized asset management, enabling customized automation and granular control. It isolates funds via smart wallets and automates positions atomically. Your smart wallet holds your assets; automation acts only on your triggers. When certain conditions hit, an atomic recipe executes – repay, swap, rebalance – exactly as the user set, with gas and MEV handled on their behalf.

The power of DeFi Saver’s custom recipes addresses the main trade-off most DeFi solutions have: user flexibility vs. simplicity. Yield aggregators, for example, opt for simplicity. Users deposit funds into their vaults, and the protocol decides how to deploy them. That’s easy for the user but inflexible. Alternatively, doing things manually via individual protocols is flexible but complex and time-consuming (in addition to being quite gas inefficient). DeFi Saver seeks to hit a sweet spot by providing a flexible toolkit (like an “if-this-then-that” for DeFi actions) with a polished interface that guides users.

DeFi Saver at a Glance

DeFi Saver exists not only to simplify but also to enhance onchain asset management without losing efficiency or giving up control. Its suite of tools stands out for collapsing multi-step workflows into one-click actions and fully automated monitoring that reduces user error while reducing manual oversight. Manual flows (approve, deposit collateral, borrow, swap, repeat) waste gas and invite execution risk when conditions change; automation ensures atomicity that executes safely and on time.

Take looping as an example. Manual loops require multiple transactions for approvals as well as to borrow, swap, and redeposit, each adding more gas costs. To leverage, a user would deposit an asset as collateral, borrow against it, then swap the debt for the collateral asset, and repeat. All of this would take place click by click while prices and interest rates keep changing with every new block. In comparison, DeFi Saver turns all that process into a single one-click transaction that you can simulate before execution. Users can then forget about monitoring their health factor 24/7, since DeFi Saver will take any necessary action on their behalf when certain thresholds are triggered.

The rich feature set, in combination with automation and exploration tools, leaves creativity up to the user. You imagine the strategy; DeFi Saver executes it. Users can pick among available pre-made strategies or build their own custom strategies using the Recipe creator feature. Multiple transactions are bundled into one while adding specific parameters and safeguards for slippage protection and other conditions.

To make DeFi strategies more accessible, the team built tools that guide users from the start—all available from DeFi Saver’s main dashboard itself. DeFi Saver’s Trending page offers Zaps that make it easy for anyone to get started by choosing from available DeFi strategy recipes. The page displays the most popular strategies at the time, along with detailed explanations and a button for quick execution. These strategies are constantly updated to include the most recent and timely opportunities.

DeFi Saver’s Discover page also shows DeFi opportunities in a single-page view. Users can filter strategies and estimate their net APY based on their preferred collateral or debt assets. The tool aggregates more than 1,800 DeFi opportunities, helping you identify the ones best suited to your needs and portfolio size. From power users to conservative lenders and DAO treasuries, anyone can spot at a glance the most optimal venue to lend, borrow, or loop based on their available size and net APY estimates. The page also displays size-aware screening, factoring in how a specific capital amount would impact rates and alter markets.

Unlike many DeFi projects that attempt to lock in users or create closed ecosystems, DeFi Saver rejects the idea of building a proprietary “walled garden,” choosing instead to build on open, permissionless building blocks that maximize composability. Users gain portability and choice; projects gain new users.

DeFi Saver’s Positive Sum Thesis

DeFi Saver is the most complete position-automation and cross-protocol refinancing toolset in DeFi, distinguished by a security-first architecture with Safe-native smart accounts, MEV-protected execution, and a years-long public track record of user education. It is DeFi’s one-stop shop and non-custodial command center. One interface to open, monitor, hedge, lever, de-lever, refinance, and automate positions across Aave, Morpho, Maker/Sky, Spark, Fluid, Liquity, and more on Ethereum, L2s (Arbitrum, Optimism, Base, Linea), and most recently Plasma (protocol coverage varies by chain).

If you supply, borrow, or just hold, you pay no fees to DeFi Saver. Only complex transactions that involve a swap incur a service fee. The fee itself varies based on the assets being swapped: 0.01% for stables, 0.10% for correlated volatile assets, and 0.25% for everything else. When an automation gets triggered, a 0.05% automation fee is added to this amount. Simply having an automation turned on for a position involves no fee.

Managing DeFi shouldn’t require night‑watch duty. DeFi Saver lets you set triggers for liquidation protection, profit‑taking, and leverage, then executes the plan atomically—swap, borrow, repay—in a single transaction. Safe‑native wallets protect transactions from MEV and take care of gas payments; visual workflows (100+ actions across 10+ protocols) make complex strategies no-code and easy to understand.

• Automation: continuously monitored fully non-custodial triggers for liquidation protection, profit-taking, and leverage management.

• Loan Shifting: one-click, single-transaction debt migration to capture better rates or change collateral/debt; no manual close/re-open needed.

• Recipe Creator: visual no-code multi-step builder for swap/borrow/deposit/repay/flash-loan steps executed in a single atomic transaction.

• Safe-native Accounts + TxSaver: Multisig security and broad app interoperability with MEV protection and gas-from-position payments (users don’t even need ETH in their wallets).

• Meta-aggregation: swaps route across multiple DEX aggregators with automatic fallbacks; DeFi Saver actively simulates and re-routes assets if a path breaks. When a recipe requires a flash loan, DeFi Saver automatically prioritizes zero‑fee flash loan sources; only if none are available will it use Aave flash loans (0.09% fee).

• No-risk Onboarding: Simulation Mode mirrors real flows without actual funds—great for training and user education.

Most DeFi tools force trade‑offs: safety vs. speed, power vs. usability, etc. DeFiSaver seeks to remove them by solving four bottlenecks: risk, execution, complexity, and learning. Many UIs offer alerts or single-protocol automation, but DeFi Saver stands out for cross-protocol actions and one-transaction adjustments. Most multi-call systems exist at the development or code layer; DeFi Saver brings that to end-users, allowing for click-simple multi-protocol strategies with audit coverage and default MEV-protection.

Education and in-app analytics are baked in to guide users and help them discover suitable strategies. DeFi Saver also hosts a complete Knowledge Base with step-by-step guides and maintains in-app and Discord support channels. This hand-holding approach helps demystify complex DeFi maneuvers. By prioritizing education and being available for one-on-one assistance, the team has fostered a community of informed users. Rather than just launch a product, they actively help users navigate DeFi safely and successfully.

DeFi Saver Snapshot

Data from DeFi Saver Automation Stats shows that, combining Ethereum, Arbitrum, Base, and Optimism, >$450M have been supplied and >$150M borrowed across ~1,200 automations. Volume is highest on Ethereum (~$380M), whereas Arbitrum is the chain with the largest number of automations (~700 subscribers). Among the most popular actions stand out Repay & Boost, with DCA close behind. Average capital per subscriber ranges widely, signaling different user profiles and intents—from ~$1.5M on Ethereum to ~$30k on Optimism.

Aave V3 (~30%), Sky (~30%), and Spark (~23%) account for more than 80% of the total supplied capital. Liquidity beyond these is a long tail: Liquity V2 (~7.6%), Morpho Blue (~3.1%), Compound V3 (~3.0%), then sub‑1% slices for CurveUSD, Aave V2, Liquity, and Compound V2. This concentration suggests that most automation risk and behavior is defined by a small set of lending venues with USDS/DAI-centric flows.

Exposure per account also diverges sharply by protocol, revealing different user archetypes: ~15 subscribers in Spark control >$100M, or roughly whale-driven activity of ~$7M per account; Sky subscribers’ suggest ~$1.8M per CDP; Aave v3 stands out for a large subscriber count with >800 accounts that amount to ~$130M, or about ~160k per wallet.

When users subscribe to Automated Leverage Management, they set a target health factor and guardrail. Example: “If my HR drops below X%, restore it to Y% via Repay,” or “If my HR rises above X%, bring it back to Y% via Boost.” The system then keeps the position within the configured band, using Repay or Boost as the means to hit the user’s target.

DeFi Saver is also introducing automation benefits for EOAs, starting with Aave v3. Users no longer need to migrate their positions to a smart wallet and can take advantage of Automated Leverage Management, Stop Loss & Take Profit, Boost on Price, and Repay on Price without deploying a Safe. This significantly reduces friction, and expands the addressable set of users.

Collateral and debt switching is also available to all Spark users. This is a great example that showcases how DeFi Saver enhances the underlying protocols it builds on top of. Aave and Spark users, for instance, can simply load their positions and shift debt to cheaper assets or move collateral into higher‑yielding assets while preserving position state. DeFi Saver also meta‑aggregates swap routes and flash‑loan sources to minimize cost and slippage.

Technical Overview

On first use, a user deploys a Safe‑based proxy owned by their EOA (Externally Owned Account, the user’s wallet). This Safe holds funds and runs DeFi Saver Actions, which are single-purpose contract calls for specific protocols, such as supplying assets to a lending market like Aave. Approved Actions live in the DeFi Saver Registry, which whitelists the protocols users can interact with. Next, DeFi Saver Recipes allow for chaining Actions, executing them atomically and running multiple steps in one single transaction. Atomically means that either every step succeeds or the whole Recipe is reverted.

Automation Engine

The automation system’s architecture consists of user-defined strategies, onchain smart contracts to enforce them, and offchain bots that do the monitoring and triggering. First, users define strategies with triggers and target ratios. Second, onchain contracts enforce the rules deterministically. Third, offchain bots monitor market conditions and execute accordingly.

After a user subscribes to an Automation, bots will watch and monitor the position offchain, checking for triggers. When activated, they call the Strategy Executor, which verifies onchain, then executes the predefined recipe. Users subscribe once, bots watch their positions and evaluate triggers, and when the triggers fire off, the Strategy Executor checks the chain and only then it executes the pertinent action.

Versatile DeFi Workflows for Retail, Power Users, and Institutions

All DeFi Saver workflows are available to all users equally; there is no tiered access or advanced features reserved only for institutions or whales. Each user’s risk-reward appetite is what determines the strategies, risk, and other factors. Institutions will likely opt for lower-risk strategies, while retail will mostly add more leverage and take on more risks. Below, we show practical, protocol‑specific examples and trigger setups.

Recipe Creator (Custom Strategies)

DeFi Saver’s Recipe Creator lets users build multi-step strategies exactly how they want them and execute them in one transaction. Users can browse a collection of proven Recipes or assemble their own. From a simple no-code drag-and-drop interface, all a user has to do is select Actions from supported protocols and set their desired parameters and safeguards. Next, the bundle of Actions is executed in one atomic push, with a user’s limits and protections baked in.

Auto-Deleverage (Risk Protection)

Auto-Deleverage is an automation feature used to protect leveraged positions from liquidation risk. Users set predefined safety thresholds for their debt positions; if the market moves against them (e.g., collateral value drops), DeFi Saver automatically partially unwinds the position (auto-repays debt) to restore a safe collateralization ratio.

A 24/7 stop against liquidation activates immediately when a position’s health factor drops below the user-defined limit. The same mechanism can also optionally increase leverage when conditions improve, although this feature can be disabled if the user prefers only deleveraging.

The moment the position’s safety ratio falls too low, DeFi Saver’s auto-repays debt to protect your position. The deleveraging operation is executed in a single transaction using flash loan mechanics and DEX aggregators, making it gas- and time-efficient compared to manual adjustments. These automations have helped users keep positions healthy, maintaining collateralization and preventing liquidation.

Custom Rebalancing of Debt/Collateral Positions

DeFi Saver’s Loan Shifter functionality allows users to rebalance or migrate their debt and collateral positions across different assets or protocols without closing the position. Loan Shifter enables rate-hopping, letting users quickly move loans between protocols to take advantage of better interest rates or incentives. Users can easily switch loans in one transaction to the best available rate. The value comes from capturing the rate spread, one‑tx gas savings, and atomic execution that avoids slippage and position risk.

DeFi Saver rebalances positions in one atomic transaction using flash loans when needed. For migrations, it flash‑borrows the target stablecoin, repays and closes the source position, moves or swaps collateral, opens the destination position, then re‑borrows to settle the flash loan—all within one block, never leaving funds uncollateralized.

Conclusion

DeFi Saver automates DeFi portfolios across chains and protocols while users retain self-custody. It runs on smart accounts, modular Actions, and fully automated workflows that bundle multiple steps into one-click execution. The system scales from solo users to institutions, letting you manage, import, and automate positions without surrendering control.

Build a strategy from Lego‑like Actions, test it, then execute across protocols in one coherent flow. One infrastructure serves everyone: the same audited engines run small wallets and multisig institutional accounts. The goal is durable, flexible tooling that adapts as markets change.

DeFi is powerful but complex and unforgiving. DeFi Saver makes DeFi safe and simple: custody stays yours while automation runs atomically and stays fully auditable. You set the policy, bots watch, and atomic Recipes execute while assets stay in your Safe. Every move is logged, MEV‑aware, and runs only if all steps are successfully passed. From looping to loan shifting, DCA, or liquidation protection 24/7, DeFi Saver is all about empowering users with fewer failure paths, faster hands-off reactions, and strategies that scale from a single retail wallet to an institutional team.

References

DeFi Saver App

DeFi Saver Website

DeFi Saver Automation Stats

Onchain Capital Allocator Protocols Rankings – DefiLlama

RWA.xyz | Tokenized Real-World Asset Analytics

Disclosures

​​Alea Research is engaged in a commercial relationship with DeFi Saver and receives compensation for research services. This report has been commissioned as part of this engagement. The content is provided solely for informational and educational purposes. It does not constitute financial, investment, or legal advice.