Note: Never move funds to or from the DO NOT TOUCH cards in Uphold. If you do, you must contact Heleum Support to reactivate activity on your account.
Heleum watches the exchange rates between currencies and moves the funds inside a balloon when it's most advantageous.
Moving between multiple currencies produces a relative gain (small or large) automatically. This causes balloons to float higher and higher as the overall gain increases.
When it becomes most advantageous to move back to the base currency, this forces the balloon to "pop" and realize the overall gain.
Balloons are prevented from popping if the overall gain, minus exchange fees, is less than 2%. For this, a balloon may stay inflated for as little as 40 seconds, or as long as 40+ days. On average, balloons have stayed inflated for ~20 days, during which funds are being moved through multiple currencies, and have produced gains of ~8%.
Instead of exchanging in regular binary pairs (eg. US dollar to British pound, and back to US dollar), your funds follow paths like: US dollar to bitcoin to euro to bitcoin to yen, and back to US dollar, with strong relative gains at each step.
USD $ → BTC ฿ → EUR € → BTC ฿ → JPY ￥ → USD $
You may withdraw funds from popped balloons or leave them in your account to fill new balloons that will continue to launch and pop automatically. Withdrawing funds before balloons are popped will return funds from the currently highest floating balloon first, but may also prevent a balloon from achieving its goal of, at minimum, a 2% gain. It may even force a loss from the lowest currently floating balloons.