Getting Started
Start here: what diBoaS is, who it's for, and how to begin with $5.
No.
diBoaS is a financial app. It helps you turn goals into digital-dollar paths, with clear information before you decide.
You hold your own money. diBoaS is the app, not the holder. diBoaS holds no part of your key, none. If you ever need to recover access, that runs through an independent recovery partner, not through diBoaS. No one at diBoaS can move your funds, and no one here makes financial decisions for you.
No.
If you want someone else to make financial decisions for you, this isn't the right place. If you want a traditional bank with branches and paper statements, that's not what we built.
diBoaS is for people who want to see where their money goes. Who want honest fees. Who think $10,000 minimums are part of the problem.
You don't need to understand everything today. That's what Adelaide is for. You just need to be willing to learn.
$5. That's a coffee. Most investment platforms require $500 to $10,000 just to open the door. We think that's part of the problem.
You will receive launch updates, early-access information, and instructions when diBoaS is ready for testing.
Before real money is involved, you will be able to understand the product flow, the risks, and how wallet control works.
Start with money you want to put to work. Not your rent. Not the cash you need next week. Start with one small pocket and one clear goal.
That's exactly who we built this for. You open the app, you see one number, one goal, and a plain-language next step. No jargon, no complicated decisions. Start with $5. Explore. Learn. We're here every step.
diBoaS is built non-custodial: it never holds your money or your keys. Under the EU's crypto rules (MiCA), a license is required for services that hold customer funds, and diBoaS is designed not to hold them. The rules keep evolving, and we track them closely; diBoaS opens in each market only when its legal path is confirmed. Either way, your money stays under your control. See the full MiCA notice in our footer.
Yes: to move money in and out. In every market you can add and withdraw using a credit or debit card or a bank transfer; in Brazil, you can also use PIX. What diBoaS doesn't do is replace PIX (or any local payment system) for everyday transfers between people. Here your money is held in digital dollars, and these are simply the ways in and out.
Because the real has lost ground against the dollar in most years, and even when a savings account pays 7-8%, inflation and a weakening currency can quietly eat most of it. With diBoaS, your money sits in digital dollars. If the dollar strengthens against the real, the exchange rate works in your favor when you withdraw. If it moves the other way, it works against you. Two sides. We show you both before you decide.
Money & Safety
The honest version: what can go right, and what can go wrong.
You control your wallet. That matters, but it does not remove risk.
diBoaS is not a bank account. Crypto-assets are not covered by deposit guarantee schemes. Digital dollars, along with the technology and outside companies that move and hold your money, can fail or lose value.
You could lose some or all of your money.
We show the opportunity and the risk before you decide.
diBoaS is designed so you can exit when you choose.
Your ability to exit may still depend on protocol liquidity, network availability, third-party ramp availability, banking rails, and local market support.
Before you confirm, diBoaS shows the available path and expected costs.
Your money is in your wallet. Not ours.
If diBoaS shut down tomorrow, your funds would stay in your own wallet, reachable through your keys, because diBoaS never held them.
diBoaS never holds your money. diBoaS never can. That's not something we added as a feature. It's how we built the entire system.
Yes, you can lose money. We covered this honestly in the section above. The short version: we only use audited, established protocols, we monitor 24/7, and we'll always tell you what's happening. But we can't eliminate all risk, and we won't pretend we can.
When diBoaS launches its app, your wallet will use advanced key security to protect against device loss. Our architecture is designed for wallet recovery without seed phrases or 24-word backups. Your money won't disappear because your phone did.
Your available money lives as digital dollars, shown in your local currency inside diBoaS. Available money and invested money are shown separately, so you always know what's ready and what's working.
Yes. No lock-ups. You set the floor: "always keep $500 liquid." We only deploy what's above that.
Need cash? One tap. We process it instantly. Bank transfer times may vary. No penalties.
This is the whole point of how we're built.
Traditional finance: you deposit money, it becomes the bank's money, and they owe you a balance.
diBoaS: your money stays in your own wallet. We provide the software that helps you deploy it to earning systems. But we never have access to move it ourselves.
If diBoaS goes bankrupt, your money is still yours. No one at diBoaS can move your funds. Every transaction requires your approval.
More control for you. Less risk from us.
The risk is real.
Business funds may move through digital-dollar wallets, DeFi protocols, smart contracts, networks, ramps, and third-party providers. These can fail, lose value, become unavailable, or create liquidity constraints.
Your business can lose money.
diBoaS shows the path, cost, liquidity, and risk before your business decides.
In stable strategies (Safe Harbor, Goal Keeper, Patient Builder, Steady Compounder, Full Harvest): the chance of total loss is extremely low. Across the protocols' public on-chain history and thousands of simulations, total loss didn't occur. These are protocol figures, not diBoaS results. But "extremely low" is not zero.
In growth strategies: the higher the growth percentage, the wider the range of outcomes. Full Throttle at 85% growth exposure has seen simulated drops exceeding 78%.
The risk is real. We don't minimize it. We help you choose the level that matches what you can handle.
Fees & Costs
What it costs, and what it doesn't. No hidden markup.
diBoaS is software, not a branch network.
We do not charge a monthly account fee, and we do not take a hidden cut of what your money earns. diBoaS earns through clear movement fees, shown before you confirm.
Third-party provider, ramp, network, banking, or exchange fees may still apply.
We charge fees when money moves, shown before you confirm. Receiving digital dollars from another diBoaS user is $0; a card-funded payment runs as an on-ramp. Starting a strategy is free to start. 0.39% when you sell or close a position. 0.48% when you cash out.
If another diBoaS user pays you $10,000 in digital dollars, we keep $0. If you start a strategy with $10,000, we keep $0 to start. If you sell $10,000, we keep $39. If you earn nothing and move nothing, we earn nothing.
Third-party provider, ramp, network, banking, or exchange fees may also apply.
Yes. Absolutely. You can use diBoaS only for sending and receiving money. Free, instant, worldwide. The investing and growth features are there when and if you ever want them. No pressure. No package deals.
Investing & Strategies
How the strategies work, and how to pick one that fits.
We're a pre-launch platform. We model each strategy against the public on-chain history of the protocols it uses, and we use audited, established protocols. As we grow, we plan to pursue independent third-party audits. For full details on the protocols and technology behind each strategy, visit our Strategies and Protocols pages.
Yes, anytime. No penalties. No questions asked.
Here's something to keep in mind: if you switch during a market dip, you might lock in a temporary loss. Switching tends to make sense when your goals change, less so when the market moves. You decide when.
Yes. Many people do.
Think of it like different accounts for different purposes: emergency fund in Safe Harbor, vacation savings in Goal Keeper, long-term wealth in Balanced Builder.
When market movements push your allocation off target (more than 10% drift), we notify you. For example, if your target is 60% stable and 40% growth, and market movements push it to around 55/45 or further, we let you know.
You'll see exactly what changed and why. Then you decide: approve the rebalance, or leave it as is.
We never move your money without your approval.
No. And anyone who guarantees returns is lying to you.
What we can tell you: our figures come from the protocols' public on-chain history (May 2022 to December 2025) and thousands of Monte Carlo simulations. We're pre-launch, so these are protocol figures, not diBoaS results.
These numbers help you compare strategies and understand the range of outcomes. They don't predict the future. Start with what you can afford to learn with.
The protocols behind every strategy are listed on this page with their names, chains, asset types, and track records. No signup required. No hidden information.
Sky SSR, Aave V3, and Compound V3 handle stable returns. Sanctum INF, Jupiter JLP, and Jito handle growth. Every strategy is a specific combination of these protocols with exact percentages shown on each strategy card above.
We chose these protocols because they're transparent, battle-tested, and you can verify everything yourself.
This is a real risk. These systems are built on code, and code can have vulnerabilities.
We reduce this risk by only using systems that have secured billions of dollars for years, spreading your money across multiple independent systems, and monitoring for unusual activity continuously.
We can't eliminate this risk. No one can. But we can be honest about it.
A bank savings account is insured by the government (up to limits). Your money earns a fixed rate. The bank controls it.
diBoaS strategies use automated lending and staking systems. Returns are variable. Your money is not insured. You control it through your own wallet.
The trade-off: potentially higher returns, but you accept the risk that comes with a different kind of system.
For Businesses
For companies: idle cash, card fees, and same-day liquidity.
Both. A small business processing card payments wants clearer costs before funds move. A startup holding runway wants rules for what stays ready and what can move.
The tools are the same. The cash questions just look different.
Traditional wire transfers go through correspondent banks. Your bank, their bank, maybe another bank, then the recipient's bank. Each step takes time and charges fees.
With diBoaS, digital-dollar payments go more directly, from your wallet to theirs, where supported.
Availability may depend on wallet setup, supported networks, ramps, counterparties, local regulation, provider support, and compliance checks. Before funds move, diBoaS shows the available path and expected costs where available.
diBoaS is being built for real business operations.
That means transaction history, statements, exportable records, and reporting designed to support accounting, tax, audit, and internal review.
Your business remains responsible for its own accounting, tax, legal, and regulatory obligations.
Today, you can send digital dollars to other diBoaS users where supported. Paying an external account runs as an off-ramp, with costs shown before funds move. As the network grows, so does who you can reach.
When you choose a strategy, funds may move through established digital-dollar protocols, networks, ramps, and third-party providers.
Full details, including names, track records, and our selection criteria, are published on our Strategies and Protocols pages. No signup required.
These can fail, lose value, or become unavailable, so diBoaS shows the path, cost, liquidity, and risk before funds move.
Protocols & Transparency
Where your money actually works, and how to verify it.
There are thousands of DeFi protocols. We would rather list 25 we have thoroughly researched than 200 we have not.
We monitor all listed protocols continuously. If a protocol has a security incident, regulatory change, or significant operational issue, we update this page. We also review the full list quarterly to decide whether to add or remove protocols.
Yes. Email hello@diboas.com with your suggestion and why you think it should be included. We review every request against our selection criteria.
No. Being listed means we have researched them, they meet our criteria, and we use them in our strategies. We are not affiliated with any protocol. Their inclusion does not imply they endorse diBoaS, and our listing does not constitute an endorsement or recommendation to use them directly.
It depends on the severity. For minor incidents that are resolved quickly, we may keep the protocol listed with an updated warning note. For serious exploits where user funds are permanently lost, we remove the protocol from our list and adjust any affected strategies. If the exploit affected an older version that we do not use, we may keep the protocol listed with a clear warning. See our selection criteria above for details. We will always communicate changes to our users.
The amber warning badge means the protocol has had a notable security incident, regulatory issue, or carries an elevated risk profile compared to peers. We include these protocols because they still meet our overall criteria, but we want you to see the full picture. The details are on each card.
TVL stands for Total Value Locked. It is the total amount of money deposited in a protocol by all users worldwide. Higher TVL generally means more people trust the system with real money. It is not a guarantee of safety, but it is one signal we look at.
No. diBoaS handles all protocol interactions on your behalf when you choose a strategy. You do not need to create accounts with any protocol, manage wallets on different blockchains, or understand the technical details. This page is here for transparency, not because you need to do anything with it.