Savings Rate

ORBT Savings Rate (OSR) – A variable, governance-controlled yield on 0xUSD that accrues continuously to depositors in the Savings module. No minimum supply amount is required; withdraw anytime.

With ORBT, you always remain in control of your savings, as this feature is non-custodial.

What it is

The ORBT Savings Rate (OSR) is a variable, governance-controlled yield on 0xUSD deposited into the Savings Module. Deposits mint s0xUSD, a transferable receipt token whose exchange rate vs. 0xUSD rises over time, reflecting continuously accrued savings.

_{ORBT Savings Rate}

^_Target: 7%

_{Savings TVL}

How it works: s0xAssets - your savings token

When you supply 0xAssets to the ORBT Savings Rate (OSR) module of the decentralized ORBT Protocol, you mint s0xAssets. These tokens are the on-chain record of your position and the value that accrues to it over time.

The protocol continuously credits additional 0xAssets to the module in line with the OSR (accruing per second). As the pool grows, the exchange rate of s0xAssets ↔ 0xAssets increases, so simply holding s0xAssets reflects your share of the expanding pool.

When you choose to redeem, you can burn s0xAssets at any time to withdraw 0xAssets equal to your original deposit plus accrued savings (subject to network costs and any applicable protocol fees). s0xAssets are transferrable and composable, so they can be used across DeFi while your savings continue to accrue.

How it’s set (Governance policy)

• Target rate: Governance sets a target annualized OSR as a policy lever for liquidity depth, peg stability, and ecosystem growth.

• Revenue discipline: Governance maintains the OSR subject to a budget constraint after allocating 70% of net protocol revenue to continuous ORBT buyback & burn. In practice:

  • The residual revenue and designated reserves must sustain OSR outflows; if not, governance reduces the OSR target.

• Change management: Adjustments are executed via timelocked proposals with published rationale and forward guidance.

Where yield comes from

OSR is funded by protocol cash flows, including (non-exhaustive):

• Set Interest from the Allocators

• Settlement fees from the on-chain Clearing House (net of operator distributions).

• Money Market interest margin, liquidation surplus, and fee income.

Current set rate

• OSR (Savings) target: 7% APY (annualized), accruing per-second.

• Displays show the annualized equivalent of the on-chain accumulator; realized returns track the accumulator, subject to policy changes.

Policy & Risk Notes

• Continuity: OSR is variable and may be revised by governance with notice and timelocks.

• Sustainability: OSR is bounded by realized revenue after the 70% buyback-and-burn allocation

• Composability: s0xUSD remains transferrable and usable in external protocols while continuing to accrue OSR; Rewards balances accrue linearly and are claimable on-chain.

• Security: Smart-contract risk, oracle/display risk, and policy risk apply; audits and emergency controls are documented in the Security & Governance sections.