How does ARM work?

Every time a taker wants to fill an order against your deposit, the protocol:

1. Fetches the latest market price from trusted oracle networks (Chainlink and Pyth)
2. Applies your spread
3. Uses that as your conversion rate

Your rate always reflects the current market, adjusted by your spread. If you also set a floor rate, the protocol uses whichever is higher: your spread-adjusted rate or your floor.

ARM is per-currency, per-payment-method. Each combination gets its own spread. If your deposit supports multiple currencies, you set the spread separately for each one.