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The access they kept. Now yours to choose.

Different goals. Different timelines. See the risk and the path before you pick one.

Choose or Create your Goal

Your goal on the left. Risk appetite on the right.

Your GoalStable ReturnsGrowth Potential
Emergency FundSafe Harbor—
10% Rule—Stable Growth
Christmas BonusGoal KeeperSteady Progress
Dream TripPatient BuilderBalanced Builder
Buy a HouseSteady CompounderWealth Accelerator
Retirement PlanFull HarvestFull Throttle

Learn first. Switch anytime. No penalties.

Where your money goes

Every strategy is built from a combination of these protocols. They're independent, open-source, and you can verify everything yourself.

ProtocolTypeChainAssetCrypto ExposureOperating Since
Stablecoin yieldArbitrumUSDSNone2022

Returns generated from lending USDS to borrowers. Variable rate.

Check Protocols Page
LendingArbitrumUSDCNone2020 (V3: 2022)

Returns generated from lending USDC to borrowers. Variable rate. Multiple independent audits.

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LendingArbitrumUSDCNone2018 (V3: 2022)

Returns generated from lending USDC to borrowers. Variable rate. One of the oldest DeFi lending protocols.

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Liquid staking (LST basket)SolanaSOLYes, moves with SOL price2024

Returns generated from Solana staking rewards across a basket of liquid staking tokens.

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Perpetuals LPSolana45% SOL / 27% ETH / 27% BTC / 1% otherYes, moves with SOL, ETH, BTC prices2024

Returns generated from fees paid by perpetual futures traders. Acts as the counterparty to leveraged trades.

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Liquid staking + MEVSolanaJitoSOLYes, moves with SOL price2022

Returns generated from Solana staking rewards plus MEV (Maximal Extractable Value) income.

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Stablecoin yield · Arbitrum

Asset: USDS

Crypto Exposure: None

Operating Since: 2022

Returns generated from lending USDS to borrowers. Variable rate.

Check Protocols Page

Lending · Arbitrum

Asset: USDC

Crypto Exposure: None

Operating Since: 2020 (V3: 2022)

Returns generated from lending USDC to borrowers. Variable rate. Multiple independent audits.

Check Protocols Page

Lending · Arbitrum

Asset: USDC

Crypto Exposure: None

Operating Since: 2018 (V3: 2022)

Returns generated from lending USDC to borrowers. Variable rate. One of the oldest DeFi lending protocols.

Check Protocols Page

Liquid staking (LST basket) · Solana

Asset: SOL

Crypto Exposure: Yes, moves with SOL price

Operating Since: 2024

Returns generated from Solana staking rewards across a basket of liquid staking tokens.

Check Protocols Page

Perpetuals LP · Solana

Asset: 45% SOL / 27% ETH / 27% BTC / 1% other

Crypto Exposure: Yes, moves with SOL, ETH, BTC prices

Operating Since: 2024

Returns generated from fees paid by perpetual futures traders. Acts as the counterparty to leveraged trades.

Check Protocols Page

Liquid staking + MEV · Solana

Asset: JitoSOL

Crypto Exposure: Yes, moves with SOL price

Operating Since: 2022

Returns generated from Solana staking rewards plus MEV (Maximal Extractable Value) income.

Check Protocols Page

Protocol names are used for transparency. Their inclusion does not imply endorsement of diBoaS by these protocols. For protocols operating less than 4 years, earlier-period returns are estimated using validated proxy methodologies based on similar systems.

Open-source and audited does not mean risk-free. Code can have undiscovered vulnerabilities. Your risk is reduced by spreading your money across multiple independent protocols, but we cannot eliminate it.

What it costs

One fee. That's it.

ActionFeeExample
Start a strategy (invest)FREEInvest $1,000: costs $0
Exit a strategy (sell/close)0.39%Sell $1,000: costs $3.90

Nothing else. No hidden spreads or charges. Putting money into a strategy costs nothing. We only charge when you take money out. If your money sits in a strategy earning returns, we earn nothing until you exit.

Third-party network fees may apply (typically less than $0.01). For the full fee schedule including transfers and cash-outs, see the cost table on our home page.

Match a strategy to your goal

These are ways to narrow the list, by what the money is for and how much price movement you're okay with. You match, then you pick.

What's this money for?

  • Emergency fund, money you might need tomorrow: the Stable Returns strategies, built to stay steady.
  • If inflation is your concern: Stable Growth adds market exposure (about 30%) to a stable base.
  • Within about 2 years: Goal Keeper (stable) and Steady Progress (with growth) match that horizon; they differ in how much price movement they carry.
  • About 2 to 5 years: Patient Builder (stable) and Balanced Builder (with growth) match that horizon. More time widens the options.
  • Long-term wealth: Steady Compounder, Wealth Accelerator, Full Harvest, and Full Throttle match that horizon. A long timeline carries the most options.

How do you feel about price swings?

  • None: the Stable Returns column, five strategies with zero crypto exposure.
  • Some, and you can wait out dips: the Growth Potential column. Longer timelines carry more growth exposure.
  • Not sure yet: the Stable Returns column carries the least price movement. You can move to growth exposure whenever you choose.

What would you do if your balance dropped 20%?

  • "I'd want out." The Stable Returns strategies carry no crypto exposure and the least price movement.
  • "I'd wait for it to recover." The low-to-medium growth strategies sit between stable and full growth.
  • "I'd add more." Higher growth exposure means bigger swings, down as often as up.

We show you both sides, the opportunities and the risks, always.

diBoaS lays out every strategy in the same order for everyone and never chooses the strategy for you. If you're unsure which approach fits your situation, consider consulting a licensed financial advisor.

Before you decide

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.

Your money is secured by you. Your wallet, your keys. No one at diBoaS can access your funds without your authorization.

That said, this isn't a bank account. Your funds work through automated systems built on code. The value can fluctuate, and you could lose some or all of your investment. There is no deposit insurance.

We show you both sides, the opportunities and the risks, always.

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.

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.

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.

Your money deserves an explanation.

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This content is for educational purposes only and does not constitute investment advice, financial advice, or any other type of advice. Past performance is not indicative of future results. Any historical data or simulations are hypothetical and not guarantees.

The value of crypto-assets may fluctuate. You may lose some or all of your money. Crypto-assets are not covered by deposit guarantee schemes.

This crypto-asset marketing communication has not been reviewed or approved by any competent authority in any Member State of the European Union. The offeror of the crypto-asset is solely responsible for the content of this crypto-asset marketing communication.

diBoaS is a non-custodial interface providing access to decentralized finance protocols. diBoaS is not registered with the SEC, CFTC, FinCEN, or any state regulatory agency. US regulatory treatment of DeFi is evolving. You are responsible for determining whether your use of this interface complies with applicable laws.

Certain content on this platform, including market analysis and educational materials, is generated or assisted by artificial intelligence. AI-generated content may contain errors or limitations. Users should verify information independently before making financial decisions.

You decide what's best for your situation.

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