Yield Farm Payment

Transform your outgoing payments into a yield-generating asset. Auto recover of all paid amounts through yield farming on Aave V3. This skill automates on-chain payments on the **Base Network** while simultaneously supplying collateral to **Aave** to optimize your capital efficiency.

YieldFarmPayment Skill v1.0

Important Security Notice

This skill requires the user to provide a raw PRIVATE_KEY in the .env file.
This grants full control of the wallet to the skill.

Strongly recommended:

• Use a dedicated wallet created only for this skill
• Fund it with only the necessary amount + small buffer for gas
• Never use your main wallet or a wallet containing significant funds

Environment variables required:

• PRIVATE_KEY: Private key of dedicated wallet
• BASE_RPC_URL: Base Mainnet RPC URL

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DeFi Immediate Payment System with Capital Recovery via Aave V3

Pay recipients immediately on Base network, then recover your capital over time through Aave V3 yield farming.

⚠️ v1.0 — Upfront Mode Only

v1.0 supports only Upfront Mode (immediate payment to recipient). Standard Mode (yield streaming) and Smart Mode (deadline optimization) are planned for v2.0 with x402 protocol integration.

🎯 Features

• Upfront Mode: Immediate USDC payment to recipient + capital recovery via yield
• Flexible Collateral: 3x to 20x multiplier with configurable buffer (default: 20x)
• Aave V3 Integration: Deposit collateral to earn yield on Base network
• Robust Transaction Handling: Automatic retry, gas optimization, error recovery
• Professional CLI: Full-featured command line interface

💰 Fee Structure & Monetization

• Model: Pay-per-successful-execution.
• Cost: Fixed 0.20 USDC fee per successful payment.
• Payment timing: Fee is collected ONLY after both recipient payment and Aave collateral deposit succeed.
• Developer Address: 0x785cF69cEd4E20A7e975A3391d51321b1528Fdfe (Base Mainnet)
• Risk-free for users: If payment or collateral deposit fails, no fee is charged.
• Network: Base Mainnet.

💰 How It Works (Upfront Mode)

Payment Flow:

1. Calculate total required: payment + 0.2 USDC fee + (payment × multiplier × (1 + buffer%))
2. Transfer payment immediately to recipient (seller gets paid NOW)
3. Deposit remaining collateral in Aave V3
4. If steps 2+3 succeed: Transfer 0.2 USDC fee to developer
5. Yield accumulates on deposited collateral
6. Buyer recovers the payment amount over time via yield

Recovery Time Calculation:

The amount to recover is the PAYMENT (sent to seller), NOT the total collateral.

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Recovery Time = Payment Amount / Annual Yield from Aave Deposit

Example: 0.1 USDC payment, 20x collateral, 8% buffer, 3% APY

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Collateral Only:   0.1 × 20 × 1.08 = 2.16 USDC
Developer Fee:     0.2 USDC (fixed, paid only after success)
Immediate Payment: 0.1 USDC → sent to recipient
Total Required:    0.1 + 0.2 + 2.16 = 2.46 USDC
Aave Deposit:      2.46 - 0.1 - 0.2 = 2.16 USDC
Aave example APY   ~3% 
Annual Yield:      2.16 × 3% = 0.0648 USDC/year
Amount to Recover: 0.1 USDC (the payment, NOT the collateral)
Recovery Time:     0.1 / 0.0648 ≈ 565 days (~1.55 years)

Why Higher Collateral = Faster Recovery:

Multiplier	Aave Deposit	Annual Yield	Recovery Time
3×	0.224 USDC	0.0067 USDC	~15 years
5×	0.440 USDC	0.0132 USDC	~7.5 years
10×	0.980 USDC	0.0294 USDC	~3.4 years
20×	2.060 USDC	0.0618 USDC	~1.6 years

More collateral deposited in Aave → more yield generated → faster recovery of the payment amount.

🚀 Quick Start

Prerequisites

• Node.js 18+
• Base network wallet with ETH for gas
• USDC tokens for collateral

Installation

bash

cd your-project
npm install viem dotenv

Configuration

1. Copy .env.example to .env
2. Set your PRIVATE_KEY and BASE_RPC_URL
3. Verify contract addresses for Base network

Usage

bash

# Check configuration
node scripts/check-configuration.js

# Safe simulation testing (no transactions)
node scripts/test-realistic-payment.js

# RECOMMENDED WORKFLOW:
# Step 1: Test with dry-run first (no on-chain execution)
node scripts/cli.js --dry-run --amount 0.1 --recipient 0x... --collateral 5 --buffer 8

# Step 2: Execute real transaction with interactive confirmation (ALWAYS REQUIRED)
node scripts/cli.js --amount 0.1 --recipient 0x... --collateral 5 --buffer 8

# Custom collateral multiplier
node scripts/cli.js --amount 0.5 --recipient 0x... --collateral 10 --buffer 5

📁 Project Structure

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yield-farm-payment/
├── SKILL.md                    # This documentation
├── .env.example                # Configuration template
├── package.json                # Dependencies
├── scripts/
│   ├── cli.js                  # CLI interface (upfront mode only in v1.0)
│   ├── yield-farm-payment.js   # Core payment logic (active)
│   ├── transaction-manager.js  # Robust transaction handling
│   ├── collateral-calculator.js # Collateral optimization
│   ├── check-configuration.js  # Config validation
│   └── test-realistic-payment.js # Comprehensive tests
└── references/
    ├── aave-addresses.md       # Aave contract addresses (v1.0)
    └── v2.0-planned/           # Planned features for future release
        ├── 10x-collateral-guide.md
        ├── flexible-collateral-guide.md
        └── x402-integration.md

🔧 Configuration

Environment Variables (.env)

bash

# Required
PRIVATE_KEY=0x...              # Your wallet private key
BASE_RPC_URL=https://...       # Base network RPC

# Aave V3 Contracts (Base)
AAVE_V3_POOL_ADDRESS=0xA238Dd80C259a72e81d7e4664a9801593F98d1c5
USDC_ADDRESS=0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913
AAVE_USDC_TOKEN_ADDRESS=0x4e65fE4DbA92790696d040ac24Aa414708F5c0AB

# Settings
SKILL_FEE_USDC=0.2             # Fixed 0.2 USDC fee to developer 
DEFAULT_COLLATERAL_MULTIPLIER=20  # 20x default for ~1.6 year recovery
DEFAULT_BUFFER_PERCENTAGE=8
ESTIMATED_APY=0.03             # 3% conservative APY estimate

🔒 Security & Safety

Built-in Protections

• Balance Verification: Pre-transaction checks
• Gas Limit Monitoring: Prevents excessive fees
• Transaction Retry: 3 attempts with gas price escalation
• Nonce Management: Handles concurrent transactions

Transaction Confirmation & Prevention of Accidents

• Mandatory Interactive Confirmation: User MUST explicitly confirm every transaction (no option to skip)
• Clear Transaction Preview: Shows amount, recipient, collateral, fee, and recovery estimates
• Amount Limits: Maximum 1000 USDC on mainnet, 1000 USDC on testnet
• Dry-Run Mode: Test transactions without on-chain execution (--dry-run flag)
• Address Validation: Verifies recipient and wallet addresses before execution

CLI Safety Flags

bash

# Test with dry-run first (RECOMMENDED)
node scripts/cli.js --dry-run --amount 0.1 --recipient 0x...

# Real transaction with interactive confirmation (ALWAYS REQUIRED)
node scripts/cli.js --amount 0.1 --recipient 0x...

Risk Management

• Collateral Buffer: 5-15% safety margin
• APY Estimation: Conservative 3% default
• Multiplier Limits: 3x minimum, 20x maximum

🚨 Error Handling

Common Errors & Solutions

• "replacement transaction underpriced": Automatic retry with increased gas
• "insufficient funds": Balance verification before transaction
• "nonce too low": Automatic nonce management
• Contract errors: Detailed logging and fallback

📈 Roadmap

v2.0 Planned Features

• Standard Mode: Yield streaming via x402 protocol
• Smart Mode: Deadline optimization
• x402 Integration: Trustless automatic yield distribution to sellers
• Multi-token Support: USDT, wETH, etc.

📄 License

MIT License

🙏 Acknowledgments

• Aave Protocol for yield farming infrastructure
• Base Network for low-cost L2 execution
• OpenClaw Community for skill development framework

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YieldFarmPayment v1.0 — Immediate payments with capital recovery on Base network. 🚀