FAQ

defimarketplus is a non-custodial yield router for stablecoins. You deposit USDC, and the protocol allocates it across whitelisted, audited lending venues (Aave, Compound, Morpho, Kamino, etc.) to earn the best risk-adjusted yield on your behalf. Your shares are an ERC-4626 token — you can withdraw at any time, and no admin can move your funds.

Underlying lending protocols pay interest to depositors. The vault is just a pooled depositor — when borrowers on Aave or Compound pay interest, those returns flow into the vault, raise the share price, and you can redeem your shares for more USDC than you put in.

No. Your shares live in your wallet. The vault is an immutable smart contract with a 48-hour timelock on parameter changes. Even the governance multisig cannot withdraw your funds — only you can, by burning your shares.

0.15% on deposit — 100% to the Project Treasury, which deploys it into curated yield strategies. 0.10% on exit — 100% to platform operations (dev, audits, maintenance). There is no management fee, no performance fee, no spread, and no withdrawal gate. Caps are enforced on-chain at 0.50% for both — governance physically cannot raise them above that.

DMTp is the defimarketplus governance and revenue-share token. You earn DMTp by depositing into vaults, proportional to the fees your activity generates. Stake DMTp in the rewards contract and you receive 75% of all project-treasury yield in USDC, vested linearly over 7 days (Synthetix-style staking). The remaining 25% goes to the platform, aligning long-term incentives between holders and the team. DMTp also votes on whitelist additions, target weights, and treasury proposals.

Share price = total USDC value held by the vault (idle + lent on strategies, less any unvested locked profit) ÷ total shares outstanding. When the vault harvests yield, the new earnings vest into the share price linearly over 12 hours (SAFE basket) or 2 hours (HIGHER basket). This prevents anyone from front-running a single harvest.

Yes — every DeFi product carries risk. The main vectors:

• Smart-contract risk — a bug in the vault or in an underlying protocol could result in losses.
• Stablecoin peg risk — USDC could de-peg, in which case your shares would be worth less in dollar terms.
• Oracle / liquidity risk — extreme market stress can affect withdrawal pricing on a strategy.

We mitigate with audits, conservative whitelisting, locked-profit drip, per-venue caps, and a guardian pause. Read the security page for details.

At launch: Arbitrum (primary), Base, and Ethereum mainnet on the EVM side, plus a separate Solana vault that mirrors the same rules in Anchor. DMTp is bridged across all four so staking rewards work no matter which chain you deposited on.

At launch: Aave v3, Compound v3, and Morpho Blue (curated markets only) on EVM, and Kamino Lend + marginfi on Solana. Each must meet our whitelist criteria — ≥$300M protocol TVL on EVM (≥$150M on Solana), ≥$50M pool TVL, ≥12 months runtime, ≥2 independent audits, and 12 months incident-free.

No. You can withdraw anytime in a single transaction. The vault keeps a 10% idle buffer for instant exits, and pulls from the lowest-yield strategy automatically if you withdraw more than the buffer. There is no notice period, no epoch, no waitlist.

Once you've earned DMTp from depositing, head to the stake page, approve the staking contract, and stake any amount. Your USDC rewards start accruing on the next protocol-treasury distribution, vest linearly over 7 days, and can be claimed at any time.

The Guardian (a 2-of-3 multisig separate from governance) can pause new deposits instantly with no timelock. If the strategy is fully drainable, the vault's idle buffer plus the unaffected strategies still cover proportional withdrawals. Governance then proposes a remediation — typically removing the strategy from the whitelist and rebalancing into healthy venues. The Guardian cannot move funds, only pause.

Audit reports from Trail of Bits and OtterSec will be published on the security page before any value is accepted into the production vaults. A continuous public Immunefi bug bounty (up to $250,000) backs the audited code post-launch.

A 4-of-7 multisig of long-tenured contributors and ecosystem advisors, behind a 48-hour timelock on every parameter change. Major proposals (whitelist changes, fee changes, role rotation) are open to a public DMTp vote — the multisig executes the result. The path to fully-onchain governance is published in the roadmap.

Yes. The smart contracts, indexer, frontend, and audit reports are all in our public repository. The Solidity is BUSL-1.1 licensed (converts to MIT after the change date), the indexer + frontend are MIT.