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The access they kept. Now yours to choose.

Different goals. Different risk levels. Different needs

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 PlanYield MaximizerFull Throttle

Not sure? Start with Safe Harbor. 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
Sky SSRStablecoin yieldArbitrumUSDSNone2022

Returns generated from lending USDS to borrowers. Variable rate.

Check Protocols Page
Aave V3LendingArbitrumUSDCNone2020 (V3: 2022)

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

Check Protocols Page
Compound V3LendingArbitrumUSDCNone2018 (V3: 2022)

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

Check Protocols Page
Sanctum INFLiquid 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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Jupiter JLPPerpetuals 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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JitoLiquid staking + MEVSolanaJitoSOLYes, moves with SOL price2022

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

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Sky SSR▶

Stablecoin yield · Arbitrum

Asset: USDS

Crypto Exposure: None

Operating Since: 2022

Returns generated from lending USDS to borrowers. Variable rate.

Check Protocols Page
Aave V3▶

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
Compound V3▶

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
Sanctum INF▶

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
Jupiter JLP▶

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
Jito▶

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 our fee page.

Start here

What's this money for?

  • Emergency fund: Safe Harbor. Money you might need tomorrow stays stable.
  • Outpace inflation: Stable Growth. Your money works harder, but 30% moves with the market.
  • Something in the next 2 years: Goal Keeper (stable) or Steady Progress (with growth). Depends on how you feel about price movement.
  • Something in 2-5 years: Patient Builder (stable) or Balanced Builder (with growth). More time means you can consider more growth.
  • Long-term wealth: Steady Compounder, Wealth Accelerator, Yield Maximizer, or Full Throttle. Your timeline is your biggest advantage.

How do you feel about price swings?

  • "I don't want any." Stick to the Stable Returns column. Five strategies, zero crypto exposure.
  • "I understand them and can wait out dips." Consider the Growth Potential column. The longer your timeline, the more growth exposure you can consider.
  • "I'm not sure." Start stable. Learn how everything works with money you're comfortable risking. You can always add growth exposure later.

What would you do if your balance dropped 20%?

  • "I'd panic and withdraw." Stable Returns strategies only. That's not a weakness. It's self-awareness.
  • "I'd wait for it to recover." Low-medium growth strategies could work for you.
  • "I'd add more money." You might be ready for higher growth exposure. That's smart if it's planned. Less smart if it's panic trying to make back what you lost. Make sure you know which one you mean.

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

When in doubt, start safe. You can always move up later. Consider consulting a licensed financial advisor if you're unsure which approach fits your situation.

Before you decide

No. And anyone who guarantees returns is lying to you.

What we can tell you: we tested every strategy across nearly 4 years of real market data (May 2022 - December 2025). The numbers are based on what actually happened and thousands of Monte Carlo simulations.

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. The best time to switch is when your goals change, not when the market moves.

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, Yield Maximizer): the chance of total loss is extremely low. In nearly 4 years of testing and thousands of simulations, it didn't happen. 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.

Open access and fair opportunities for everyone.

For YouFor BusinessAdelaide DailyAboutStrategiesProtocolsHelp

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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