Fixed

Fixed locks in your yield. You pay a flat amount now and get a slightly bigger amount back from a date you pick. The extra is locked in, whatever the vault yields. Why use it: you think yields will fall, or you need a known amount on a date, such as a treasury budget or a payment you owe.

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In one example

Pay 1,000, pick From Nov 2, get ≈ 1,005 at +5.21% APR.

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Your money is locked until the date

Paying 1,000 from your TimeBalance leaves your line 1,000 lower until Nov 2. You can’t withdraw that 1,000 before Nov 2. To get out early, use Close: it pays what your position is worth today, which can be more or less.

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How the rate works

You give up an amount x of your line from now until the date. In return you get x × rate × days ÷ 365 more, from that date on. Here: 1,000 × 5.21% × 35 ÷ 365 ≈ 5. So you hold 1,005 from Nov 2 on. Fixing across several periods works the same way, period by period. Each period is priced on its own rate and the results chain, so the exact total is a touch above this estimate. The app shows the exact figure.

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Fixed or just hold?

Holding earns whatever the vault pays. Fixed locks 5.21%, whatever the vault yields. So the break-even is 5.21%: Fixed wins if the vault averages less than that until Nov 2, and holding wins if it averages more. 1,000 for 35 days, until Nov 2: Fixed gives up the upside in exchange for certainty. From Nov 2 on, both earn the vault’s yield again. “The vault averages” means the yield you actually get, after Moment’s 5% performance fee.

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Steps

1. Open a market and pick Fixed.
2. Pick Moment (your TimeBalance) or Tokens (from your wallet).
3. Type an amount in You pay, or tap 25% / 50% / 75% / Max. Max includes the yield waiting to sync.
4. In You receive, pick a date, for example From Nov 2 · 35 days. The list shows the rate and amount for every date.
5. Check the line under the form: “You will receive 1,005 USDS by Nov 2, then hold it flat from that date on.”
6. Review → Confirm, then sign in your wallet.

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Paying with Tokens

Nothing is taken from your TimeBalance. The form shows Converted to · Now (for example 1 sUSDS ≈ 1.08 USDS), and the top of the page shows your token balance going down.

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Details

Tap the rate badge to open Details:

• You pay · Now, then Fixed yield +5.21% APR until Nov 2, then You receive · from Nov 2.
• Tap Fixed yield to see each period: its Forward APR and the Interest it adds.
• Below: Min. received (with your slippage), Deadline, Network fee.

The rate is already after fees. The quote refreshes every 12 seconds. The slider icon opens Trade settings (slippage starts at 0.5%).

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Your own rate (limit order)

Switch Market to Limit and type Your rate. If it is above the market, the button reads Review limit order and your order waits on the book until someone fills it. See Limit ask.

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Hold or close

• Hold: from Nov 2 your bigger balance just stays in your line. Nothing to claim.
• Close early: use Close. It pays today’s prices, which can be more or less than holding.

A trade across several periods is all or nothing: if one period can’t fill, nothing happens.