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Stability Pools

Stability pools secure Harbor, pay concentrated yield, and execute rebalances. Use them in the app’s Earn section. Terms: Glossary.

Same deposit. Same yield path. Different rebalance outcomes.

What are stability pools?​

Harbor maintains solvency through stability pools. Deposit ha (Harbor Anchored pegged tokens) to earn yield and help the system rebalance in stress.

There are two pool types with different rebalance outcomes:

Collateral pools​

  • ha deposited here redeems into real collateral (fxSAVE, wstETH, …) when used in a rebalance
  • Swap at oracle value when rebalancing
  • Useful if you want to accumulate collateral in downturns

Sail pools​

  • ha deposited here converts to hs (Harbor Sail leverage tokens) when used in a rebalance
  • Same yield path as collateral pools on the ha deposit; Sail is not “yield-free rebalance only”
  • Useful if you want leveraged rebound exposure after stress

hs itself does not earn concentrated pool yield; only ha in either pool does.

How pools protect the system​

When a market’s collateral ratio falls below threshold (e.g. 130%):

  1. Rebalances become executable (MEV-incentivized)
  2. ha in pools is burned to reduce pegged supply
  3. Depositors receive collateral (collateral pool) or hs (Sail pool)

No auctions or external liquidators required.

Why participate​

  • Concentrated yield from collateral (fxSAVE, wstETH) on ha deposits in both pool types
  • Rebalance choice: collateral vs hs payout if your deposit is used
  • Marks / TIDE where campaigns allocate them
  • Protocol revenue: after Yield Share (~5%) and any TVL treasury take, 75% to pools / 25% buy TIDE, TIDE Tokenomics

Example: market downturn​

Collateral pool: haETH used in rebalance → you receive fxSAVE (or wstETH) worth the burned ha at oracle prices.

Sail pool: haETH used → you receive hsFXUSD-ETH; if the peg rebounds vs collateral, that exposure can outperform.

Participating​

Open Earn.

Depositing​

  1. Connect wallet
  2. Choose market and pool type (collateral or Sail)
  3. Deposit ha
  4. Earn yield

Withdrawing​

Pools may use a withdrawal request window:

  • Request withdrawal; after a delay, a fee-free window opens
  • Withdrawing outside the window may incur early-withdrawal fee
  • Check the app for delays and fees

Claiming rewards​

Use the Earn / Rewards panel in the app.

Yield sources​

  1. Collateral yield (fxSAVE, wstETH)
  2. Protocol fee / revenue share to pools
  3. Marks / TIDE incentives where allocated
  4. Rebalance outcomes (not in displayed APR)

Best practices​

  1. Diversify: pools and markets
  2. Monitor: collateral ratios in the app
  3. Position: collateral pool for backing assets; Sail pool for rebound hs
  4. Read risks: Risk Considerations

Summary​

  • Automatic solvency support without classic liquidations
  • Flexible rebalance payout: collateral or hs
  • Real yield from productive collateral
  • Core of Harbor Earn

Technical details​

Pools are per market. Browse in the app or see Tech Documentation, markets for engineers.

Support​