Solution: Smartcoins

Smartcoins are next-gen YVTs supercharged by algo-DeFi trading.

Umoja is a next-gen Yield Vault Token protocol, driven by "smartcoins" — YVTs supercharged with algo-DeFi trading. Smartcoins provide lower risk and higher yields than normal YVTs, offering a unique blend of benefits:

1. Effortless investment

2. Exposure to high-market cap cryptocurrencies

3. Minimized risk

4. High-yield potential

5. Regulatory compliance

Smartcoins achieve this by leveraging sophisticated quantitative trading strategies and robust collateralization with established cryptocurrencies. This approach aims to deliver consistent returns across various market conditions.

Learn more about the first available Smartcoin: $yBTC

As next-gen yield vault tokens supercharged with algo-DeFi trading, "smartcoins" are comprised of two key ingredients:

1. A collateral/parent asset, giving the smartcoin inherent value to trade (e.g., BTC, cbBTC, etc).

2. Strategies that dictate how the underlying collateral should be traded at a pre-defined risk-to-return ratio (oftentimes quantitative strategies).

Smartcoins autonomously trade their value based on the strategies embedded within them, just as traditional structured financial products function. The potential variety of smartcoins is limitless, with each designed to achieve specific financial objectives, offering a dynamic tool for investment and risk management with extremely low onboarding and financial literacy requirements.

You can start minting $yBTC today, our first available Smartcoin.

You can think of a smartcoin as putting a pro-trader into the cryptocurrency itself so that they can execute trades & maintain the cryptocurrency's value. All you have to do is HODL (i.e., hold the digital asset).

Watch our founder Robby Greenfield as he gives us a walkthrough of Umoja´s Smartcoins.

What’s Next? The Expansion of Smartcoins

Umoja is already developing similar Smartcoins for other popular cryptocurrencies. The potential to expand the Smartcoin ecosystem highlights another strength of the technology—upgradability. Smartcoins can be programmed to incorporate additional trading strategies and protections over time, helping them keep pace with market conditions and generating greater returns for both holders and stakers of the protocol.