Introduction
Umoja is a structured finance protocol that enables next-generation YVTs with lower risk and higher yields for any blue-chip cryptocurrency.
Last updated
Umoja is a structured finance protocol that enables next-generation YVTs with lower risk and higher yields for any blue-chip cryptocurrency.
Last updated
You've likely heard the phrase, "Make your money work for you." But in reality, smart investing requires research, trading skills, and access to exclusive markets like real estate and private equity—barriers that keep most people out.
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 come with drawbacks: low yields (2% to 4%), exposure to impermanent loss, and limited availability to PoS assets.
So, how do we create an accessible, high-yield solution that works for everyone—not just institutions?
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, ETH, and SOL 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.
Umoja is backed by some of the best institutional and angel investors in the world, including the following (publicly available):
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
Umoja is built by a doxxed team of Goldman Sachs, Credit Suisse, ConsenSys, Coinbase, & Google Alumni with decades of TradFi, Crypto, and marketing experience.
The Umoja Protocol's core developer is Umoja Labs, a team comprised of alumni from Team comprised 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 was the 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/relationship with Umoja Labs Corp. Increasingly, Umoja Labs will become one of many core developers within the broader ecosystem of the protocol.
Access to Protocol: https://umoja.xyz/
Telegram: https://t.me/umojaprotocol
X: https://x.com/UmojaProtocol
Discord: https://discord.com/invite/umojaprotocol
LinkedIn: https://www.linkedin.com/company/umoja-labs/
Youtube: https://www.youtube.com/@UmojaLabs