Overview

The following details the tokenomics of the Umoja protocol. Some tokenomic features are implemented in Mainnet V1, whereas others are planned to be implemented in later versions.

Token Overview

The following provides an overview of Umoja's tokenomics:

Detail	Description
Token Name	Umoja ($UMJA)
Contract addresses	Arbitrum: 0x16A500Aec6c37F84447ef04E66c57cfC6254cF92 Avalanche: 0x009E97a080BC7B603257C461598275Dc49B8cd0c Base: 0x009E97a080BC7B603257C461598275Dc49B8cd0c Bitlayer: 0xd6b6ce6ba9439e3c177f2c996e1c92257e68d8d2
Market	Asset Creation & Trade Execution
Summary	Umoja is DeFi's structured product and trade execution layer.
Problem	Investors lack accessible, low-risk, high-yield, and liquid digital asset investment opportunities due to the complexity of managing crypto-native yield strategies and the absence of structured products that limit risk, achieve yield targets, and ensure security and compliance, creating a significant market gap in a rapidly growing digital asset sector optimally forecasted to reach $250 trillion by 2028.
Max Token Supply	3,000,000,000
Monetary Policy	Fixed Supply
Token Native Chain	Ethereum
Inflation Schedule	You can find the inflation schedule here, which is updated regularly.
Vesting Schedule	Refer to the Token vesting schedules section.
Token Utility	Governance. Only protocol participants may govern the Umoja protocol. To become a governor and accrue voter influence, one must stake the Insurance & Governance Pools. Minter Rewards: Reward smartcoin minters for using the protocol. Said tokens can then be staked in the Governance Pool in exchange for smartcoins, providing staked minters a form of socialized rebate to recover capital from the protocol's management fees. Burner Fee: Smartcoin burners must burn a certain amount of UMJA.
Governance	Only protocol participants can govern via getokenomics.