Grow your dollars with SimpleFi

SimpleFi is the tab where your balance can grow. It is the closest thing Arca has to a savings section. You move some of your dollars into SimpleFi, pick a position, and your dollars start growing at a rate set by the position. You can withdraw whenever you want. Nothing is locked up.

Opening SimpleFi

Tap the SimpleFi tab at the bottom of the screen (the banknote icon). You can also tap the SimpleFi card on the Wallet tab.

The top of the screen shows your total SimpleFi balance with two buttons: Deposit and Withdraw. Below that is an overview with four numbers:

In Positions — how much of your SimpleFi balance is currently earning.
Available — dollars that are in SimpleFi but not in a position yet.
Earned — how much your positions have grown over time.
Avg APY — the current average rate across your positions.

Below the overview is the list of Open Positions. The first time you visit, the list is empty. You see No positions yet and a short line: Deposit funds to open your first position.

Deposit

Tap Deposit. A sheet opens asking how much you want to move from your wallet into SimpleFi. Enter the amount and confirm.

Under the hood, Arca moves USDC from your wallet into a separate area called your earn account. The balance shows up in SimpleFi as Available, ready to be placed into a position.

Open a position

Tap New Position on the overview card. Arca shows you the available positions:

Conservative — lowest expected rate, steady. Uses a well-known lending protocol (Aave).
Moderate — a balanced option with a bit more growth potential.
Aggressive — the highest expected rate, with more variability.

Pick the one that fits you. Each position shows its current rate so you know what to expect before you commit. Enter how much to put in, and confirm.

The dollars move into the position. You see it appear in Open Positions with its balance, your total earned so far, the rate, and how long it has been open.

Watch your position grow

Open Positions shows each of your positions with its key stats. Tap one to see a detail screen:

Current balance in the position.
Total earned since you opened it.
How much you have deposited over time.
Current rate.
How long the position has been open.

The numbers update as the position grows.

Withdraw

You have two options for moving money back to your wallet.

Withdraw available balance

Tap Withdraw at the top of the SimpleFi tab. The sheet asks how much to move from your Available balance back to your wallet. Enter the amount and confirm. The dollars arrive in your Arca balance within a short time.

Close a position

Open a position by tapping it, then use the option to withdraw from that position. Your dollars come out of the position, back into your Available balance, and you can then withdraw to your wallet in one more step.

There is no penalty for withdrawing early. There is no minimum time. You can deposit today and withdraw tomorrow if you want.

A few things worth knowing

Rates change. The growth rate on each position is not a fixed promise. It reflects what the underlying protocol is paying right now. It can go up or down over time.
Growth is not guaranteed. Positions can have small losses in unusual market conditions. The conservative position is less exposed than the aggressive one, which is why the rate is lower.
Everything stays in dollars. Whether your dollars are in your wallet or in a SimpleFi position, they stay dollars. You do not need to convert anything back.

When to use SimpleFi

You have dollars you do not need for immediate spending.
You want your savings to do more than sit still.
You want to be able to pull the money back quickly.

When to leave dollars in your wallet

You plan to send or spend them soon.
The amount is small and moving it around is not worth it.
You prefer the simplicity of seeing your full balance in one place.

Both are fine. SimpleFi is there when you want it, not in the way when you do not.