Risk tiers reflect how a fleet's underlying yield sources operate.
Lower Risk VaultsStick to single chain, non-leveraged strategies with near-instant withdrawals and transparent, high-quality collateral.
Higher Risk VaultsMay include exposure to leverage, cross-chain bridges, required token swaps, longer exit times, or dynamic strategy rotation. Also have less conservative caps and parameters to accommodate these exposures.
Independent Risk Scoring by Block AnalitcaBlock Analitica is the exclusive risk manager of the Lazy Summer protocol. Providing cross protocol risk analysis for all Lazy Summer vaults.Learn about Block Analitica→
Active risk managementBlock Analitica provides active 24/7 risk monitoring for Lazy Summer Risk-Managed By Block Analitica vaults. Responsible for setting allocation caps in real time.View risk framework→
Risk frameworkIn addition to real time risk monitoring for Lazy Summer Risk-Managed By Block Analitica vaults, Block Analitica developed the risk framework for DAO Risk-Managed vaults, which are governed by Lazy Summer DAO.View DAO Risk-Managed vault risk framework→
What is the difference between Risk-Managed by Block Analitica & DAO Risk-ManagedThe key difference between Risk-Managed by Block Analitica and DAO Risk-Managed vaults are their approaches to risk. Risk-Managed by Block Analitica are more conservative. DAO Risk-Managed vaults are more risk seeking, prioritizing a higher risk/reward ratio.
Risk-Managed by Block AnaliticaRisk-Managed by Block Analitica has an active approach to risk, constantly monitoring and adjusting risk parameters, and adapting to market conditions.View risk framework→
DAO Risk-ManagedDAO Risk-Managed vaults have a more passive approach to risk, simply accepting or rejecting yield sources based on a predefined framework. They also allow for more concentrated exposure to yield sources.View DAO Risk-Managed vault risk framework→
Summer.fi — The Smarter Way to Earn DeFi Yield
Everything you need to know about Summer.fi and automated crypto yield strategies.
Summer.fi is an automated DeFi yield protocol that deploys your crypto assets across 79+ lending and yield protocols — including Morpho, Euler, and others — on Ethereum, Base, Arbitrum, Sonic, and Hyperliquid. AI-powered Keepers continuously rebalance allocations to maximize your returns while minimizing manual effort and gas costs.
Summer.fi partners with Block Analitica as an independent risk manager. Block Analitica provides 24/7 real-time monitoring, sets conservative allocation caps, and adapts parameters to current market conditions. Vaults are categorized as Lower Risk or Higher Risk so users can choose strategies that match their comfort level.
Summer.fi currently supports USDC, USDT, ETH, EURC, and USDC.E. These assets are available across five networks: Ethereum Mainnet, Base, Arbitrum, Sonic, and Hyperliquid. New networks and assets are added as the protocol grows.
SUMR is the governance and rewards token of the Summer.fi ecosystem. By depositing into Summer.fi vaults, users earn SUMR token rewards on top of their base APY. You can also stake SUMR to earn USD-denominated yield and participate in protocol governance through the Summer.fi DAO.
Lower Risk vaults in Summer.fi offer near-instant withdrawals with no lock-up periods. Higher Risk vaults may have variable liquidity depending on the underlying strategies. The Summer.fi dashboard shows instant liquidity figures in real time, so you always know how much is immediately available.
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Protocol TVL is the total amount of Assets currently deployed across all of the strategies including institutional deployments.
This is the total amount of assets in USD that is instantly withdrawable from the strategies. There are currently 78 different protocols or markets supported across all active strategies.
Protocols supported: Morpho, Euler, V2, Frontier, Prime, and 73 more.
Lower risk Vaults contain no exposure to peg or swap risk.
Lazy Summer Live APY: 3.95%Lazy Summer Live APY updates every 10 minutes with real-time data, ensuring the most accurate, up-to-the-minute rate.
$SUMR Token Rewards:
3.74%
Management Fee:
-1.00%
Earn points across protocols
Net APY:
6.70%
Lower risk Vaults contain no exposure to peg or swap risk.
Lazy Summer Live APY: 4.46%Lazy Summer Live APY updates every 10 minutes with real-time data, ensuring the most accurate, up-to-the-minute rate.
$SUMR Token Rewards:
2.84%
Management Fee:
-1.00%
Earn points across protocols
Net APY:
6.30%
Higher risk Vaults can contain exposure to peg or swap risk, plus higher exposure limits to individual markets. This can at times lead to lower instant liquidity.
Lazy Summer Live APY: 6.40%Lazy Summer Live APY updates every 10 minutes with real-time data, ensuring the most accurate, up-to-the-minute rate.
$SUMR Token Rewards:
0.55%
Management Fee:
-1.00%
Net APY:
5.96%
Lower risk Vaults contain no exposure to peg or swap risk.
Lazy Summer Live APY: 3.74%Lazy Summer Live APY updates every 10 minutes with real-time data, ensuring the most accurate, up-to-the-minute rate.
$SUMR Token Rewards:
2.41%
Management Fee:
-1.00%
Net APY:
5.16%
Lower risk Vaults contain no exposure to peg or swap risk.
Lazy Summer Live APY: 3.10%Lazy Summer Live APY updates every 10 minutes with real-time data, ensuring the most accurate, up-to-the-minute rate.
$SUMR Token Rewards:
1.98%
Management Fee:
-1.00%
Net APY:
4.08%
Lower risk Vaults contain no exposure to peg or swap risk.
Lazy Summer Live APY: 3.92%Lazy Summer Live APY updates every 10 minutes with real-time data, ensuring the most accurate, up-to-the-minute rate.
$SUMR Token Rewards:
0.95%
Management Fee:
-0.30%
Net APY:
4.58%
Lower risk Vaults contain no exposure to peg or swap risk.
Lazy Summer Live APY: 4.24%Lazy Summer Live APY updates every 10 minutes with real-time data, ensuring the most accurate, up-to-the-minute rate.
$SUMR Token Rewards:
0.62%
Management Fee:
-1.00%
Net APY:
3.86%
Lower risk Vaults contain no exposure to peg or swap risk.
Lazy Summer Live APY: 2.37%Lazy Summer Live APY updates every 10 minutes with real-time data, ensuring the most accurate, up-to-the-minute rate.
$SUMR Token Rewards:
2.47%
Management Fee:
-1.00%
12x
Sonic Points
Net APY:
3.84%
Lower risk Vaults contain no exposure to peg or swap risk.
Lazy Summer Live APY: 3.79%Lazy Summer Live APY updates every 10 minutes with real-time data, ensuring the most accurate, up-to-the-minute rate.
$SUMR Token Rewards:
0.75%
Management Fee:
-1.00%
Net APY:
3.55%
Higher risk Vaults can contain exposure to peg or swap risk, plus higher exposure limits to individual markets. This can at times lead to lower instant liquidity.
Lazy Summer Live APY: 3.18%Lazy Summer Live APY updates every 10 minutes with real-time data, ensuring the most accurate, up-to-the-minute rate.
$SUMR Token Rewards:
0.64%
Management Fee:
-0.30%
Net APY:
3.53%
Lower risk Vaults contain no exposure to peg or swap risk.
Lazy Summer Live APY: 2.48%Lazy Summer Live APY updates every 10 minutes with real-time data, ensuring the most accurate, up-to-the-minute rate.
$SUMR Token Rewards:
0.95%
Management Fee:
-0.30%
Net APY:
3.13%
Lower risk Vaults contain no exposure to peg or swap risk.
Lazy Summer Live APY: 1.82%Lazy Summer Live APY updates every 10 minutes with real-time data, ensuring the most accurate, up-to-the-minute rate.
$SUMR Token Rewards:
1.04%
Management Fee:
-1.00%
Net APY:
1.87%
Lower risk Vaults contain no exposure to peg or swap risk.
Lazy Summer Live APY: 1.39%Lazy Summer Live APY updates every 10 minutes with real-time data, ensuring the most accurate, up-to-the-minute rate.
