# Universal Account Balance ### **Unlocking Native Yield for Builders** Curvance’s Universal Balance offers protocols a seamless way to integrate Curvance's yield into their products. The Universal Balance smart contracts enable protocols to route platform assets—such as USDC, USDT, or ETH—into the supply side of Curvance's low-risk money markets. This allows their native users to benefit from an additional passive yield stream without directly interacting with Curvance. With a single integration, protocols benefit from: * Enhanced yield is achieved by routing supported assets into Curvance’s lending markets, unlocking an additional source of yield for the protocol and/or its users. * Accessible liquidity by allowing assets to remain available for immediate use. * Universal Balance seamlessly integrates into existing vaults and liquidity pools without changing their structure. * Simplified UX with one-click integrations that work across multiple chains. ### **End Users: Effortless Yield & Liquidity** Universal Balance automates passive earning while maintaining complete flexibility. Instead of leaving assets unproductive, funds are routed to yield-generating markets without requiring active management. There are no lockups, and users retain full control over their balances, ensuring capital is always available when needed. ### **Security & Risk Mitigation** Security is a core focus of Curvance, and Universal Balance is designed to minimize risk exposure while maximizing yield efficiency: * **Risk-Isolated Markets**: Assets are only routed into audited, risk-adjusted lending pools. * **Dual-Oracles & Circuit Breakers**: Every asset in Universal Balance is protected by [**redundant pricing oracles**](/app/protocol-overview/liquidity-markets/oracles.md) to prevent manipulation. * **Non-Custodial & Permissionless**: Universal Balance never takes custody of user funds, ensuring assets remain accessible at all times. ### **Seamless Integration & Composability** Universal Balance is plug-and-play and requires minimal setup. With smart contract hooks and plugin compatibility, protocols can optimize how their assets flow through Curvance. Its modular design allows for effortless integration with DeFi protocols, automated strategies, and governance systems make it a scalable solution for builders across the ecosystem. ### Example Integration A Telegram trading bot integrates with Curvance’s Universal Account Balance, allowing users to earn passive yield on idle balances while maintaining full trading flexibility. The development team configures a risk profile that aligns with their strategy, giving users the option to opt in or out of yield generation. Users experience no change in their normal trading interactions—idle funds are automatically earning yield until needed for execution. When a trade is initiated, the bot instantly pulls liquidity from Universal Balance, ensuring seamless transactions without delays. This integration enhances capital efficiency without disrupting the user experience. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.curvance.com/app/protocol-overview/universal-account-balance.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.