🚫Problem: The ROI Paywall

The world has no universally accessible, censorship-resistant method for wealth creation, and retail investors have always been paywalled from the largest opportunities.

Even in crypto, 'dumb money' is at the whim of hedge funds and high-net-worth individuals, taking up most of the liquidity rewards and arbitrage opportunities, leaving everyone else with the bear market losses.

With the advent of crypto, tokenized asset management is an inevitability. Yet, each new protocol, such as Aave, Uniswap, or Goldfinch all offer hard-coded, niche investment opportunities that are not easily automated.

Umoja has been built to address the largest and most obvious obstacle to widespread wealth creation: lack of composable primitives to make dumb money, smart.

The world can no longer wait to generate wealth.

Humanity has been waiting our entire existence for the revolution that democratizes wealth creation because we all want comfortable, happy lives. Without the basic building blocks to streamline and automate top-tier class asset management, the path to wealth creation remains costly and reserved for the few.

The problem is that traditional financial instruments come with considerations and risks that most people don't understand and can't objectively manage. Thus, the building blocks of smart money must be simple as risk-resistant, and predictable as the lines of code they're built on.

Crypto hedge funds, liquidity funds, and virtually every retail investor, representing a $2.1 trillion market, are in desperate need of reliable, transparent, and simple ways to reduce niche DeFi risks. This is also true for the traditional finance (TradFi) world. Reducing the reliance on institutional asset managers for the creation of our wealth will unlock humanity's largest advancement in collective social mobility.

8 billion people are paywalled for a better life.

Most of the global population lacks access to basic financial services like savings accounts, not to mention retirement plans like pensions or 401(k)s. The demand for tailored financial tools is not only evident but also substantial, with the retail investor market alone accounting for $7.2 trillion. With more and more Web2 and Web3 fintechs looking to heed the call, the only thing left is to provide reliable, simple primitives to build upon.

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