In Decentralised Finance (DeFi), blockchain-based applications (dApps) are replacing traditional banks. Rather than relying on intermediaries, smart contracts enable capital providers to lend, trade, or insure assets directly with users, 24/7, on a transparent, global network.

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• Capital providers supply funds to earn interest or returns.
• Smart contracts automatically connect funds to borrowers, traders, or investors (removing the middleman.)
• Users can borrow, trade, hedge risk, or insure assets across leading platforms.
• No bank approvals. Just code and capital.

We work with Copper, a leading custodian based in Switzerland. We also do thorough due diligence on our counterparties with extensive experience working with financial institutions and managing credit risk. See Risk management for more details.

Our competitive advantage stems from our unique blend of experience in managing, building, and marketing yield products. This expertise has given us a deep understanding of customer needs, allowing us to successfully launch multiple yield products tailored to different preferences. Furthermore, our strong institutional network enables us to rapidly scale assets under management (AUM) and create more sophisticated financial products. Coupled with our extensive experience in managing credit risk and optimizing lending portfolios, we trust that we are able to consistently provide our users with the best risk-reward ratios in the market.

Our team brings a wealth of experience from the crypto and financial industries. We previously grew one of the leading institutional crypto yield platforms to over 50 clients and managed more than $500 million in assets under management. Our expertise includes overseeing lending portfolios for a top 10 global crypto exchange and implementing industry-leading risk management practices to deliver lucrative, risk-adjusted returns. Additionally, we have over 15 years of experience supporting growth companies, helping them scale operations and achieve their growth targets across various industries. This diverse background enables us to provide a robust, well-rounded approach to yield generation and risk management.

A token launch is being considered, but it is subject to many factors, including regulatory approval(s) and market conditions. While we are exploring the possibility of a token in the future, there are no guarantees, and we will only proceed if all regulatory requirements are met. We will keep users informed with updates, but please understand that a token is not guaranteed.

Our mission is to empower our users with the best yield opportunities available, and our roadmap is shaped by the feedback we receive from our community. In the near future, we plan to expand our offerings by introducing yield products with different risk-reward ratios, catering to a wider range of investment preferences. Additionally, we're working on tokenizing our yield, making it accessible on-chain for more seamless integration with the broader crypto ecosystem. Beyond that, we aim to launch a borrowing product, allowing users to access liquidity while maximizing their earning potential.

The yield fluctuates based on market activity and overall sentiment which affect the interest received by Valos from institutional borrowers. During periods of high volatility, the institutions we lend assets to can generate higher profits from their market-making activities. As a result, they're willing to pay more to borrow assets, leading to increased yields. When market volatility decreases, their profits and willingness to pay also drop, causing the interest we receive from borrowers to adjust accordingly. This dynamic reflects the changing opportunities in the market and is why the interest we can pay to borrow assets from users also varies over time.

We provide such high returns by ensuring our users receive a fair interest for their loaned assets, with our spread capped at a maximum of 20 %. In contrast, many other yield products in the market keep a much larger portion of the earnings for themselves. Over the years, our team has built strong partnerships with the top institutions in the crypto-asset lending space, allowing us to provide users with access opportunities that were previously only available for institutions. We have extensive experience in managing credit risk and optimizing lending portfolios to achieve the best possible risk-reward ratios. This expertise, combined with our commitment to sharing more of the returns with our users, enables us to consistently offer significantly higher yields.

Our public WebApp Yield comes from lending assets to the largest and most reputable institutions engaged in market making across both traditional finance (TradFi) and the crypto economy. These institutions are backed by strong financials and high equity buffers, ensuring robust risk management and stability.

In addition to our WebApp Yield, we also offer DeFi Yield opportunities, providing access to decentralized finance strategies tailored to different risk appetites and market conditions.