The Smart Earnings Account is an enhanced Moneda savings option that uses the YO yield optimiser on Base to maximize your earnings. When you deposit money (USD or EUR) into a Smart Earnings Account, Moneda converts it into stablecoins (like USDC for USD or EURC for Euros) and deposits them into YO’s vaults (called yoUSD and yoEUR). The YO Protocol then automatically allocates these funds across different decentralized finance (DeFi) strategies to earn interest. In simple terms, it’s a “smart” account because it diversifies and optimizes your deposit across many yield opportunities, all behind the scenes. Your balance still grows through real-time, auto-compounding interest, and you retain the ability to withdraw your money (plus earnings) at any time, just like with the standard Moneda Earnings Account.