# Auto Load

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## **What is Auto Load?**

Auto Load is your smart spending companion, seamlessly managing your Moonwell Card balance. It automatically draws funds from your [**Moonwell Flagship USDC Vault**](https://moonwell.fi/vaults/deposit/base/mwusdc) holdings when your balance runs low, ensuring your card stays funded at all times. This next-generation feature makes spending with crypto effortless, delivering the reliability and ease of traditional systems while harnessing the power of onchain finance.

## Key Benefits and Features

### ✨ **Intelligent Auto-Management**

* **Seamless Top-ups:** Your balance is **monitored and reloaded automatically**
* **Smart Timing:** Transfers **only occur** when needed
* **Set and Forget: No manual transfers** — your card stays funded automatically

### :chart\_with\_upwards\_trend: Earn Optimized, Risk-Adjusted Returns

* **Interest and Rewards:** Your USDC in the [**Moonwell Flagship USDC Vault**](https://moonwell.fi/vaults/deposit/base/mwusdc) earns rewards and interest from borrowers, all while preserving your spending power.
* **Risk Management:** Benefit from [**Block Analitica**](https://blockanalitica.com/) and [**B.Protocol**](https://www.bprotocol.org/)'s expert risk curation

### ⚙️ Customizable Controls

* **Flexible Thresholds:** Set your **minimum card balance** to trigger automatic top-ups
* **Adjustable Reload Amounts:** Customize **top-up amounts** to align with your spending habits
* **Auto Load Notifications:** Get **real-time alerts** via **email** or **Telegram** whenever Auto Load activates

## :arrows\_counterclockwise: Quick Setup Guide

### Step 1: Deposit USDC

To get started, deposit USDC into the [**Moonwell Flagship USDC Vault**](https://moonwell.fi/vaults/deposit/base/mwusdc).

1. Navigate to the "[**Card**](https://moonwell.fi/card/load)" page of the Moonwell app and connect your wallet. This page will allow you to view your vault balance, Moonwell Card balance, and Auto Load configuration settings.
2. Enter your desired amount of USDC to deposit into the vault using the "**Auto Load**" modal and click "**Deposit**".&#x20;

Once the deposit transaction has been confirmed, your deposited USDC immediately starts earning optimized, risk-adjusted returns.

{% hint style="info" %}
[**Learn more**](https://docs.moonwell.fi/moonwell/moonwell-overview/vaults) about the Moonwell Vaults
{% endhint %}

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### Step 2: Enable Auto Load

* **Access Auto Load Settings:**&#x20;
  * Below the "**Auto Load**" USDC deposit modal, you'll find the Auto Load configuration panel.
* **Set Your Parameters:**&#x20;
  * **Minimum Balance:** The card balance threshold that triggers Auto Load, topping up your Moonwell Card.
  * **Amount to Reload:** The amount of USDC to top up your Moonwell Card when Auto Load activates.
* **Confirm Your Settings:**
  * Click "**Change Auto Load**" to save your configuration and enable Auto Load.

{% hint style="info" %}
**Tip:** You can update your Auto Load settings anytime in the configuration panel.
{% endhint %}

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## Pausing and Disabling Auto Load

### Pausing Auto Load

* Use the **Pause** toggle to temporarily stop Auto Load. Your settings will remain saved, and you can resume Auto Load whenever you need.

### Disabling Auto Load

* To turn off Auto Load completely and erase all settings, click "**Disable**" in the configuration panel.

<figure><img src="https://38185780-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F4535Mbmb8O8Y5q8Xz3cK%2Fuploads%2FWlVGNWH3GnFhJx5bjfaj%2FCleanShot%202024-12-18%20at%2007.40.29.png?alt=media&#x26;token=32386100-5135-41ff-bcfc-1b0447fd2455" alt=""><figcaption><p>Toggle Pause to temporarily pause Auto Load, or click Disable to remove your Auto Load configuration</p></figcaption></figure>