Per-tier policy

The user’s risk score (1–10) selects one of three tiers. All three share the same optimizer; they differ only in which vaults are eligible and how concentrated the result may get. Every number below is read straight from the allocation code.

Parameter	Conservative	Balanced	Aggressive
Risk-score band	1–3	4–7	8–10
Min Atlas Score	70	55	40
Min TVL	$50M	$10M	$1M
Min audits	2	1	1
Min track record	90 days	30 days	none
Assets	Stablecoins, ETH, BTC	+ curated yield-bearing dollars	+ long-tail USD tokens
Max withdrawal wait	Instant only	≤ 10 days	≤ 30 days
Max per vault	35%	35%	35%
Max per protocol	50%	60%	50%
Max per chain	60%	60%	60%
Positions	3–5	3–6	3–8
Risk-aversion λ	0.1–0.5	≈0.9–2.0	≈4.7–10

λ is the risk-aversion dial handed to the optimizer, set on a continuous 0.1–10 scale by the exact risk score; the ranges shown are what each tier’s band maps to. A higher λ leans harder away from volatility. Caps and thresholds are allocation policy, not the scoring math.

Overview

The Atlas Score

The Atlas Engine

Asset flow

Monitoring

Legal