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This section describes exactly how money moves when a user acts on an Atlas portfolio. The invariant throughout: funds go from the user’s account into the underlying protocol’s vault, with the user as the on-chain owner at every step. AtlasYield never sits in the middle of the flow.

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Accounts

Two ways in, one ownership model:
  • Connect a wallet. Web3 users connect an existing self-custodial wallet and transact from it directly.
  • Sign in with email or Google. Web2 users get an embedded self-custodial wallet (via Privy) paired with an ERC-4337 smart account. The key is the user’s; AtlasYield cannot move funds from it. For these users the app calls it an “Account” and hides the crypto plumbing, but the ownership model is identical.
For smart-account users, gas on supported chains is sponsored by a paymaster (all supported chains except BNB Chain), so deposits and withdrawals don’t require the user to hold native gas tokens first.

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Funding

Users fund their account with a card/bank onramp or by bridging existing crypto in. The funding leg is a plain transfer into the user’s own address — no Atlas contract is involved.