What is Umoja

Umoja is a structured finance protocol that enables next-generation YVTs with lower risk and higher yields for any blue-chip cryptocurrency.

Overview

You've likely heard the phrase, "Make your money work for you." But smart investing requires research, trading skills, and access to exclusive markets like real estate and private equity—barriers that keep most people from participating.

In traditional finance, structured products solve this by bundling assets to manage risk and increase returns without constant market oversight. This $1.9 trillion market offers accessibility and simplicity.

In DeFi, yield vault tokens (YVTs) are the closest thing to structured digital assets, making proof-of-stake rewards easier to access. However, they have drawbacks: low yields (2% to 4%), exposure to impermanent loss, and limited availability of PoS assets.

So,

How do we create an accessible, high-yield solution that works for everyone, not just institutions?

Smartcoins: The Next Generation of YVTs

Traditional assets like fiat currencies and digital assets like crypto can't manage risks or optimize returns. When markets decline, so does their value.

Even in bull runs, most assets can't maximize returns, leaving retail investors at a disadvantage compared to whales and institutions who use asset managers and hedge funds.

Umoja is a next-gen YVT protocol, driven by "smartcoins" — YVTs supercharged with algo-DeFi trading.

Using smartcoins, anyone can get low-risk, high-yield exposure to popular cryptocurrencies like BTC, and ETH to capitalize on market opportunities they otherwise wouldn't have the knowledge or resources to take advantage of. It's like having a pro-trader in your pocket.

Smartcoins use crypto-collateral and quantitative DeFi trading strategies to boost returns and minimize risk for holders. These strategies are executed by the Umoja Trade Engine: DeFi's first trade execution layer, ensuring secure, compliant, and low-latency asset management.

With Umoja, #WAGMI can finally be true. Because up to this point, it's been complete BS.

Backed by the Best

Umoja is backed by some of the best institutional and angel investors in the world, including the following (publicly available):

Venture Capital Firms

Venture DAOs

(Public) Angels

Coinbase Ventures

Orange DAO

@DavidFBailey

UTXO

Mars DAO

Founderheads

500 Global

Evo Labs

@IvanOnTech

Blockchain Founders Fund

DeWhales

@CryptoLimbo_

QuantStamp

DexCheck

@Coachkcrypto

Avalanche Blizzard

@EtienneTRGC

Hyperithm

FunFair Ventures

Selini Capital

Ayon Ventures

Untapped Capital

K Street Capital

3Commas

Psalion Ventures

Lucid Blue Ventures

Absoluta Digital

Gains VC

Hyperion Ventures

Who's Building Umoja?

Umoja was built by a doxxed team of Goldman Sachs, Credit Suisse, ConsenSys, Coinbase, and Google Alumni with decades of experience in TradFi, Crypto, and marketing.

The Umoja Protocol's core developer is Umoja Labs, a team comprised of alumni from Team consist of alumni from Goldman Sachs, ConsenSys, Coinbase, Google, Mastercard, RBS, Credit Suisse, Santander Bank, Valora, and Celo with 10+ years in TradFi, blockchain, engineering, and digital marketing (each).

Initially spun out of ConsenSys as 'ConsenSys Social Impact,' Umoja Labs has developed and deployed dozens of dApps across 17+ countries with a specific focus on financial applications. Umoja Labs' Founder, Robby Greenfield, has been in crypto since 2011, is a 2x entrepreneur, ex-Goldman Sachs, Amazon, Cisco Systems, and former Head of Social Impact at ConsenSys. Needless to say, Umoja's core developer team knows crypto and knows finance.

The Umoja ecosystem is supported by the Umoja Foundation, a Cayman entity with no American nexus or relationship with Umoja Labs Corp. Increasingly, Umoja Labs will become one of many core developers within the protocol's broader ecosystem.