Fees & the collection flow
The on-chain fee split, when it applies, and what happens between a pending save and money in your buckets.
MORE has no subscription and no deposit minimum. The protocol earns only when a collection actually executes - a percentage of the amount being saved, split on-chain.
The split
| Where it goes | Share |
|---|---|
| Your savings buckets | 85% |
| Protocol treasury | 8.5% |
| Direct referrer | 5% |
| Genesis referrer | 1.5% |
The four legs sum to exactly 100% and are enforced by the BucketRouter contract on-chain. Your savings and the referrer legs are computed first; the treasury takes the arithmetic residual, so integer rounding can never short your savings - the dust lands on the protocol, not on you.
If a saver has no referrer, the direct and genesis shares are not lost or burned - they route to the protocol treasury. You can sign up and save without a referral code.
When fees apply
Only at collection time, on the amount being collected. There is no fee on:
- balances sitting in your buckets,
- yield your buckets earn,
- withdrawals - MORE charges nothing to leave.
The collection flow, step by step
- Accrue. Indexed volume builds your pending save at your chosen rate (1% - 3%).
- Threshold. Once the pending save crosses the minimum collection threshold, a collection becomes ready. The threshold exists so gas never eats a small save.
- Quote. The planner routes the save to its destinations. Cross-chain legs get exact-output bridge quotes via Relay; volume that lives on Arbitrum needs no bridge at all. Bridging and gas costs are part of the quoted route - visible before anything executes.
- Sign. Your savings wallet signs through Turnkey's delegated, policy-gated signing - scoped so collections can only route into the savings contracts. See Security & custody.
- Route. The BucketRouter applies the split above and forwards each bucket leg through its adapter - a swap for Bitcoin, a vault deposit for yield, a plain hold for cash.
- Record. The save lands in your dashboard history and points are awarded.
Stock legs
Tokenized-stock legs settle on Robinhood Chain: the collection arrives in USDG and is swapped into the stock token on-chain with a quoted minimum output, 24/7. The same fee split above applies - stock legs carry no extra fee.
Current status
The contracts are live on Arbitrum One and Robinhood Chain, and the first live collections have executed. Auto-collection is being enabled account-by-account during the staged rollout - until your account is enabled, no collections execute and no fees are taken; the app shows collection plans and quotes in the meantime.