Understand the route.
Your borrow rate is variable. When another compatible lending market offers a meaningfully better rate, SWITCH helps you move.
One atomic refinance.
ARB NOW uses an atomic transaction bundle to supply your collateral on the target market, borrow replacement debt, repay the source debt, then withdraw source collateral to settle the transfer. All steps succeed together or the migration reverts.
You keep the same collateral token and debt token. SWITCH v1 also requires the same oracle and interest model, sufficient liquidity and a healthy position. Target rates are evaluated after your debt moves.
Your gas. Transparent fees.
You pay network gas directly from your wallet. The configurable SWITCH fee is 10% of projected 12-month gross interest savings, capped at 0.25% of refinanced principal, with no minimum floor. Fees are waived while no fee recipient is configured. The execution preview shows the actual fee in effect.
For a $50,000 example with a 2.81 percentage-point annual advantage, projected gross savings are $1,405. The fee is capped at $125. With $1.80 example gas, projected net savings are $1,278.20. These are illustrative numbers, not a live quote.
A lower rate still carries risk.
APR and projected savings can change. Liquidation risk, oracle risk, token risk, liquidity risk and smart contract risk remain. A listed target is not a guarantee of safety. SWITCH compares current conditions; it does not guarantee the lowest future rate or a profit.
A quote expires after 60 seconds. A wallet transaction that reverts still consumes gas. Approving the lending adapter can persist after a quote is abandoned. Review and revoke unnecessary permissions in your wallet.
Atomic cycles, transparent execution.
Choose a direct USDG/WETH cycle, a stock-token route, or Automatic to compare every catalog choice in small batches. Successful routes are ranked by estimated net output after padded gas costs. The search reports coverage and refreshes its chosen route before signing; it does not guarantee a globally optimal price at one instant.
A valid quote can be executed at an estimated loss. The router enforces quoted output minus your selected slippage limit. Stock pool prices are compared against multiplier-adjusted official bid/ask data where available. Missing references, trading halts and corporate actions display advisory warnings. Users supply their own trading tokens and native ETH gas.
Fund from Ethereum, Arbitrum or Base through a live LI.FI quote. Transfer status survives a page reload in this browser. Only a completed transfer of the requested token on Robinhood Chain can continue to a fresh cycle preview; refunds and partial deliveries require review. Funding and execution are separate wallet confirmations.
Public receipt links reconstruct actual token movement, cycle gas, route pools and historical balances where the RPC supports them. Token profit is shown separately from native gas; approval and bridge fees are not included. Public history scans a paginated window of router activity across all apps, not a complete indexed archive or proof that every transaction originated in SWITCH.
Live data. Clear boundaries.
Market discovery and token prices come from the lending protocol's API. Execution reads come directly from Robinhood Chain and the protocol SDK. Stale data and failed simulations block execution. No borrowed balance or saving shown as live is invented.
Disconnected mode is labeled as an example. Connect your wallet to read real positions. Discovery depends on the protocol indexer, which can lag recent transactions.