Savvy DeFi is a protocol that lets users take non-liquidating, auto-repaying collateralized debt positions. We provide an advance against future yield using a synthetic primitive. We remove the risk of liquidation by enabling users to borrow lines of credit that stay overcollateralized regardless of price volatility. Not only are the loans interest-free, but their liabilities shrink over time as the collateral earns yield. Deposit eligible base tokens that are correlated to USD, AVAX, or BTC. Borrow Savvy synths, or svTokens, in the same unit of account. Earn yield on deposits that automatically repay the loans. Savvy is an innovation to Open Finance as a safe and reliable form of leverage.