FAQ

defimarketplus is a non-custodial yield router for stablecoins. You deposit USDC, and the protocol allocates it across whitelisted, audited lending venues (Aave, Compound, Morpho, Kamino, etc.) to earn the best risk-adjusted yield on your behalf. Your shares are an ERC-4626 token — you can withdraw at any time, and no admin can move your funds.

Underlying lending protocols pay interest to depositors. The vault is just a pooled depositor — when borrowers on Aave or Compound pay interest, those returns flow into the vault, raise the share price, and you can redeem your shares for more USDC than you put in.

No. Your shares live in your wallet. The vault is an immutable smart contract with a 48-hour timelock on parameter changes. Even the governance multisig cannot withdraw your funds — only you can, by burning your shares.

0.15% on deposit — 100% to the Project Treasury, which deploys into curated yield strategies. 0.10% on exit — 100% to platform operations (dev, audits, maintenance). There is no management fee, no performance fee, no spread, and no withdrawal gate. Caps are enforced on-chain at 0.50% for both — governance physically cannot raise them above that. Long-term users qualify for tiered fee discounts up to 60% off deposit / 40% off exit (see "Are there fee discounts?" below).

DMTp is the defimarketplus governance and utility token. You earn DMTp by depositing into the vault, proportional to the fees your activity generates. Pure fair launch — no airdrop, no premine, no team allocation. DMTp value accrues two ways: (1) supply contraction from the treasury-funded buyback-and-burn (30% of every realized strategy profit), and (2) tiered fee discounts on your own deposits and exits. DMTp does not pay USDC dividends — there is no staking contract.

Yes. Five tiers, dual-gated by your 60-day time-weighted smUSD balance and your liquid DMTp balance:

Tier	Min smUSD TWAB	Min DMTp	Deposit off	Exit off
1	$5,000	50	15%	10%
2	$25,000	250	30%	20%
3	$100,000	1,000	45%	30%
4	$500,000	5,000	60%	40%

Discounts apply only to deposits above your 60-day TWAB baseline (no farming via cycling). 24-hour cooldown between discounted deposits. Per-user per-week rebate cap.

Share price = total USDC value held by the vault (idle + lent on strategies, less any unvested locked profit) ÷ total shares outstanding. When the vault harvests yield, the new earnings vest into the share price linearly over 12 hours (SAFE basket) or 2 hours (HIGHER basket). This prevents anyone from front-running a single harvest.

Yes — every DeFi product carries risk. The main vectors:

• Smart-contract risk — a bug in the vault or in an underlying protocol could result in losses.
• Stablecoin peg risk — USDC could de-peg, in which case your shares would be worth less in dollar terms.
• Oracle / liquidity risk — extreme market stress can affect withdrawal pricing on a strategy.

We mitigate with audits, conservative whitelisting, locked-profit drip, per-venue caps, and a guardian pause. Read the security page for details.

At launch: Arbitrum (primary), Base, and Ethereum mainnet on the EVM side, plus a separate Solana vault that mirrors the same rules in Anchor. DMTp is bridged across all four so staking rewards work no matter which chain you deposited on.

At launch: Aave v3, Compound v3, and Morpho Blue (curated markets only) on EVM, and Kamino Lend + marginfi on Solana. Each must meet our whitelist criteria — ≥$300M protocol TVL on EVM (≥$150M on Solana), ≥$50M pool TVL, ≥12 months runtime, ≥2 independent audits, and 12 months incident-free.

No. You can withdraw anytime in a single transaction. The vault keeps a 10% idle buffer for instant exits, and pulls from the lowest-yield strategy automatically if you withdraw more than the buffer. There is no notice period, no epoch, no waitlist.

When ProjectTreasury exits a strategy at a profit, 30% of the realized USDC flows to the buyback contract. Anyone can permissionlessly trigger a buyback by submitting calldata for an approved aggregator (CoW Protocol, 1inch, 0x). The contract enforces a maximum buy size per rolling 24-hour window and a slippage floor. The DMTp received is immediately burned — total supply goes down. There is no central operator; the burn is a public good that any keeper bot or community member can race to execute.

At launch: a Safety Council (Gnosis Safe), starting as a 1-of-1 with the founder and growing to a 5-signer threshold over time. The council holds governance authority over all protocol contracts behind hard code-level caps (fees ≤ 0.50%, treasury yield burn share ≤ 50%, etc.) — there is no admin function that can rug the vault. As the protocol matures and DMTp circulates more widely, the council can vote to deploy on-chain governance (Governor Bravo + ve-locked DMTp) and rotate authority to the timelock. The architecture is forward-compatible.

The Guardian (a 2-of-3 multisig separate from governance) can pause new deposits instantly with no timelock. If the strategy is fully drainable, the vault's idle buffer plus the unaffected strategies still cover proportional withdrawals. Governance then proposes a remediation — typically removing the strategy from the whitelist and rebalancing into healthy venues. The Guardian cannot move funds, only pause.

Audit reports from Trail of Bits and OtterSec will be published on the security page before any value is accepted into the production vaults. A continuous public Immunefi bug bounty (up to $250,000) backs the audited code post-launch.

Yes. The smart contracts, indexer, frontend, and audit reports are all in our public repository. The Solidity is BUSL-1.1 licensed (converts to MIT after the change date), the indexer + frontend are MIT.