When you deposit into a Smart Earnings Account, your funds enter YO’s vault, which then spreads your assets across various yield-generating pools in DeFi. YO continuously monitors dozens of lending markets, liquidity pools, and other yield sources across multiple blockchains (like Base, Ethereum, etc.) to find where your money can earn the best risk-adjusted return. The protocol continuously monitors and rebalances to optimise yields – it shifts funds out of lower-yield or higher-risk pools and into better-performing ones. As those underlying pools generate interest (or other rewards), that yield is passed back into the vault and compounds to increase the value of your holding. YO works in the background to make sure your deposits are always deployed in profitable and reliable opportunities. Your returns come from the interest and rewards that borrowers, trading fees, or incentive programs pay in those DeFi pools. All of this happens automatically, so you simply see your Smart Earnings balance grow over time (in USD or EUR, depending on your currency) as those earnings accumulate.