> ## Documentation Index
> Fetch the complete documentation index at: https://docs.barker.money/llms.txt
> Use this file to discover all available pages before exploring further.

# Multi-tier products

> Offer 3 risk profiles (conservative / balanced / aggressive) by registering 3 product slugs.

A common partner request: let end users pick between **safe**, **balanced**, and **higher-yield** options on one screen. Barker supports this with **3 independent product slugs**, one per tier — same partner account, same fee split contract, different underlying vaults.

## Why 3 slugs (not 1 product with 3 toggles)

Each Barker product maps to **one `BarkerEngine` contract** which routes to **one underlying ERC-4626 vault**. APY, liquidity, and risk profile are all properties of the underlying vault. Treating the 3 tiers as 3 first-class products keeps:

* On-chain accounting clean — each tier's AUM, shares, and fee accruals are independently auditable
* API responses simple — `latest_metrics.net_apy_for_user` is a single number per slug
* Vault upgrades isolated — migrating "aggressive" to a new underlying doesn't affect the other tiers
* Reconciliation per-tier — `fee-stats` endpoint already gives you tier-level yield breakdown for free

## Naming convention

Use a stable suffix so your frontend can group them deterministically:

| Tier         | Suggested slug                           | Typical underlying                                    | Typical APY range |
| ------------ | ---------------------------------------- | ----------------------------------------------------- | ----------------- |
| Conservative | `{partner}-conservative-{asset}-{chain}` | Aave / Compound / Spark stablecoin supply             | 4–6%              |
| Balanced     | `{partner}-balanced-{asset}-{chain}`     | Curated yield aggregator (Yearn V3, Morpho)           | 6–10%             |
| Aggressive   | `{partner}-aggressive-{asset}-{chain}`   | Looped / leveraged stablecoin (sUSDe, leveraged USDC) | 10–20%            |

Example for Acme Pay on Base:

* `acme-conservative-usdc-base`
* `acme-balanced-usdc-base`
* `acme-aggressive-usdc-base`

## Setup (one-time, in Portal)

For each tier:

1. Open [Portal → Products → New product](https://portal.barker.money/products/new)
2. Pick chain and underlying vault from the catalog
3. Set the slug per the convention above
4. Set `risk_label` to `conservative` / `balanced` / `aggressive`
5. (Optional) Set `display_name`, `description` — shown verbatim if you ever fall back to the embed
6. Submit. The engine is auto-deployed on-chain; status moves `pending_deploy → active` once confirmed (\~5 minutes)

Three independent engines, three independent fee splits — both `barkerFeeBps` and `partnerFeeBps` can differ per tier.

## Reading them in your frontend

```ts theme={null}
const res = await fetch("https://api.barker.money/api/partner/products", {
  headers: { "X-Api-Key": process.env.BARKER_API_KEY! },
});
const { data: products } = await res.json();

const tiers = {
  conservative: products.find((p) => p.risk_label === "conservative"),
  balanced:     products.find((p) => p.risk_label === "balanced"),
  aggressive:   products.find((p) => p.risk_label === "aggressive"),
};
```

`risk_label` is `null` on legacy single-tier products. If you don't use multi-tier, ignore the field.

## UI patterns

**Tabbed (recommended):**

```
┌─ Earn ─────────────────────────────────────┐
│  [ Safe 4.9% ]  [ Balanced 7.2% ]  [ High 12.4% ] │
│  ─────────────                              │
│  Underlying: Aave V3 USDC                  │
│  [ Deposit Amount: $______ ]  [ Deposit ]  │
└────────────────────────────────────────────┘
```

User toggles tier → frontend swaps `engine_contract_address` and `asset_address` from the corresponding product, deposit flow is identical to single-tier.

**Comparison table (good for first-time users):**

```
            Conservative   Balanced   Aggressive
APY              4.9%        7.2%       12.4%
Underlying       Aave        Morpho     Ethena sUSDe
Risk             Low         Medium     Higher
                 [Deposit]   [Deposit]  [Deposit]
```

**Three iframes (embed mode fallback):** if you'd rather not build custom UI, drop in three iframes side-by-side. Works but each tier is its own self-contained surface.

## Shifting funds between tiers

There is no protocol-level "rebalance" endpoint — different tiers are different ERC-4626 vaults. To move funds between tiers, the user `redeem`s from one and `deposit`s into another (two transactions, two signatures).

You can wrap this into a "Move funds" button in your UI. Pseudocode:

```ts theme={null}
const sharesA = await readContract({ address: tierA.engine_contract_address, abi, functionName: "balanceOf", args: [user] });
await writeContract({ address: tierA.engine_contract_address, abi, functionName: "redeem", args: [sharesA, user, user] });
// wait for tx, read the assets received
await writeContract({ address: tierB.asset_address, abi: erc20Abi, functionName: "approve", args: [tierB.engine_contract_address, assetsReceived] });
await writeContract({ address: tierB.engine_contract_address, abi, functionName: "deposit", args: [assetsReceived, user] });
```

## Fee policy

Default `barkerFeeBps + partnerFeeBps` is the same across all 3 tiers, but **each tier can be configured independently** if you want to charge users differently for higher-risk tiers (e.g. lower fee on Conservative to win price-sensitive deposits, higher fee on Aggressive). Talk to your account manager.

## What's next

* [Headless API integration](/integration-api) — full deposit/withdraw flow
* [Embed](/embed) — drop in 3 iframes if you'd rather skip custom UI
* [Compliance & risk](/compliance) — disclose risk differences per tier