In January, we discovered that there are massive arbitrage opportunities across lending protocols. We saw that hundreds of millions of dollars are earning sub-optimal rates, and the user experience is complicated. We built a flexible smart contract that aggregates these opportunities. It can allocate funds to multiple protocols at once and theoretically integrate with dozens of protocols, circumventing solana's transaction limits while being decentralized. As early employees of viral consumer startups, we want to make DeFi usable for the masses. Our protocol makes DeFi lending simpler, safer, and more profitable. To test our code, please uncomment one of the test files (e.g. 1-test_vault-local.ts) and run anchor test. Then, comment that file out, uncomment 2-test_pool-local.ts, and run anchor test.