Spend the Interest, Never the Principal
Deposit stablecoins, keep your principal locked on-chain, and pay with a card that draws only from accrued yield. Your bills come off the yield, never your savings.
Deposit once, then live off the yield.
Deposit
Send stablecoins in. They become your locked principal, held in the on-chain vault.
Accrue
Two numbers, nothing else: locked principal, and spendable yield. The spendable number grows as interest accrues.
Spend
The card draws from spendable yield only. If a charge is larger than your accrued interest, it is rejected outright, never partially filled from principal.
Withdraw
Pull your principal back to your wallet whenever you want. It is always a deliberate action you take, never something a spend can trigger.
Your principal is never spendable.
Two separate balances
Principal and spendable yield are distinct accounting values. Spendable equals yield accrued minus yield already spent. Nothing else ever feeds it.
Fails closed
If a chain read fails or accrual data is missing, spendable is treated as zero and the spend is rejected. A timeout never unlocks principal.
Real yield, one source
Yield will come from plain lending interest in a single money market on Robinhood Chain (Morpho), after the token launches. Until then, the fixed-rate prototype stays published so the core promise is verifiable. No strategies, no leverage, no printed yield.
No partial fills
A charge above your spendable yield is declined whole. There is no fallback path that tops up a shortfall from your deposit.
Withdraw on your terms
Principal leaves only when you explicitly withdraw it, in full or in part, straight back to your wallet.
Proven before value
Every flow (deposit, accrual, spend, withdraw) is proven end to end, then with the smallest possible amounts, before it scales.
Yield lives on Robinhood Chain.
Cindrel runs on the USDG-native L2, an Arbitrum Orbit rollup, chain id 4663, EVM-compatible. There is no validator staking here: yield will come from lending interest in an on-chain money market, and nothing else.
USDG
Stablecoin deposits
Orbit
Arbitrum L2 rollup
4663
Chain id
EVM
Lending market yield · after token launch
Let your savings pay your bills.
Deposit stays locked and working. Interest becomes the only thing you spend. Real value only once the accounting is bulletproof.
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