We Let AI Manage a Peer Vault for a Week. Here's What Happened.

Four months ago, deposit #115 proved that automated rate management was the optimal strategy for providing FX liquidity on Peer. Over 125 days, they processed $577K in volume and earned $6,627 in yield. They averaged 132 rate updates per day — one every 11 minutes — for four months straight.

The catch: they built the entire bot infrastructure themselves. Custom FX feeds, on-chain rate scripts, capital management logic. Most LPs don't have the time or technical ability to replicate it.

J.A.R.V.I.S is what happens when you turn that infrastructure into a vault.

TL;DR

An AI-managed vault on Peer. A system of agents monitors FX markets, adjusts rates on-chain, and fills orders across five currencies — 24/7, zero human intervention.

Week 1: 22 fills. $7,162 in volume. $89.96 in depositor yield. Five currencies (EUR, GBP, AUD, CHF, USD). Capital cycled through 1.7× its starting amount. All on-chain, all verifiable.

Day 1

On March 19, two depositors delegated $4,205 USDC. Within minutes, the first fill came through. By 7:32am UTC, the vault had processed 9 fills totaling $3,068 — all USD.

Then the interesting part.

Fill #10: AUD. $457 via Revolut. First non-USD fill. Fill #11: EUR. $51 via Revolut. First EUR fill. Then GBP. Then CHF. Five currencies from a single vault, in the first 48 hours.

The rate engine handles each currency independently. EUR spreads tighten during European session demand. AUD adjusts during Asian overlap. USD follows Chainlink oracle pricing. The vault doesn't set one rate and hope — it sets dozens, and adjusts them every five minutes based on live FX data and protocol-wide competition.

Non-USD fills earn 1.3–2.1% margin per trade versus ~1% for USD. The multi-currency coverage is where the capital works hardest.

The Drought

By end of day 2, the vault had turned over more than its entire starting capital. $4,388 in volume on $4,205 in AUM. Excellent capital efficiency — but it also meant the vault had $591 left.

For 50 hours, nothing happened. Rates were competitive. The rate engine kept updating. But $591 isn't enough to fill most intents.

This is the honest part. A vault running this aggressively needs regular capital replenishment. Capital gets deployed fast, and when it's gone, fills stop. No rate optimization fixes an empty vault.

The Refuel

New capital arrived. AUM returned to $5,000, and fills resumed immediately — five fills in a single day, $1,477 in volume, 42% daily capital turnover. The rate engine had been quoting competitive prices the entire time. It just needed capital behind them.

The pattern continued: capital in, fills out, AUM declining. The vault is currently processing its second cycle of depletion.

The Numbers

| Metric | Week 1 |

|--------|--------|

| Fills | 22 |

| Volume | $7,162 |

| Currencies | EUR, GBP, AUD, CHF, USD |

| Depositor PnL | $89.96 |

| Capital turnover | 1.7× initial AUM |

| Rate updates | Every 5 minutes, 24/7 |

| Human intervention | Zero |

$7,162 in volume on a vault that started with $4,205. That's not leverage — it's capital cycling through real P2P currency trades. Each fill depletes the vault, capital gets replenished, the cycle continues. The depositor earns the FX spread on each trade.

What This Means

Deposit #115 proved the strategy works. Active rate management beats static rates on every metric — more fills, more volume, more yield per dollar deployed. The barrier was building the infrastructure.

J.A.R.V.I.S. is the infrastructure, productized. You delegate USDC to the vault, and the AI manages your rates across 8 pairs on Revolut and Wise. 0.1% management fee. Withdraw anytime.

The vault is early. AUM is small, capital needs regular replenishment, and the rate engine will keep improving. But 22 fills, 5 currencies, and $89.96 in yield in the first week — with zero human intervention — is the proof of concept.

If your USDC is sitting in a Peer deposit with a rate you set last week, it's probably not filling.

The rate engine doesn't sleep.

https://jarvis.payhumans.ai/

*Historical performance does not guarantee future results. Delegation involves smart contract risk. This is not financial advice.*