US giving market
$600B+
annual
Decentralized philanthropic yield
Old Money. New Impact.
Lock USDC. Yield flows to verified charities every day. At maturity, principal is released to the charity — gasless onboarding, non-custodial by design.
Target net APY
10–14%
protocol range
Yield cadence
Every 24h
to charities
Giving shouldn't feel like writing off capital.
Traditional gifts are one-way. Donor-advised funds helped with timing, but not with returns, speed to charities, or a path that fits crypto treasuries.
2–4%
Weak yields
Major DAF sponsors sit in money-market style portfolios. In 2022, many donor accounts fell double digits alongside public markets.
~22 mo
Slow disbursement
From contribution to money reaching a charity often takes well over a year — bad for organizations that need cash this month.
1.5%+
Crypto friction
On-chain alternatives still mean manual steps, platform fees, and little room to optimize yield without taking everything yourself.
Why the DAF stack matters
Roughly $600B+ moves through US philanthropy each year; hundreds of billions sit in DAFs. A thin slice of that, done well, is enormous for charities — and for donors who want serious infrastructure, not a novelty wallet flow.
- Annual giving
- $600B+
- In DAFs
- $326.4B
- 1% DAF share
- $3.26B
One flow. Five beats.
We call the core pattern an endowment stream: yield and principal are handled on different clocks so charities get liquidity early.
- 1
Deposit
Pick amount, charity, and lock length (6–24 months). Onboarding stays simple, with gasless flows and non-custodial design.
- 2
Deploy
A 2% protocol fee is taken once. The rest is routed into curated yield strategies as the system scales — chain-agnostic by design.
- 3
Stream yield
Keepers harvest about daily; rewards become USDC and increase what the charity can withdraw anytime.
- 4
Withdrawals
Charities pull yield when they need it — rent, payroll, programs — instead of waiting on grant cycles.
- 5
Maturity
Net principal is released to the charity on schedule. Donors get documentation aligned with the vesting structure.
Illustrative example
$10,000 for 12 months at ~12% APY (after fees)
Deposited
$10,000
Fee (2%)
$200
Yield (est.)
$1,176
Total to charity
$10,976
Stablecoin charity locks
Time-locked endowments: principal earns in DeFi, yield is available to the charity during the lock, and net principal is released to the charity at maturity.
How it works on-chain
Accounting and liquidity scale across networks — chain-agnostic infrastructure, not a single-chain lock-in.
What donors get
- No seed phrase required for typical users
- Configurable maturity between six months and two years
- Charity sees yield credited on a fixed cadence
- Documentation generated when the structure completes
States
- Active — USDC in, fee taken, remainder deployed to yield.
- Yielding — Harvests settle to the charity's withdrawable balance.
- Released — Principal is released to the charity; receipts align with policy.
Safety is a product feature.
Audits, monitoring, multisig guardrails, and insurance allocations are budgeted from the same fee line — not bolted on as an afterthought.
Pre-launch security reviewSecond audit post-deployForta monitoringImmunefi bounty
Guardian multisig
3-of-5 can pause, rebalance strategy weights, or upgrade contracts through proxies. They cannot redirect user principal or break maturity dates.
- Emergency pause and risk response
- Oracle sanity: dual feeds, bands, TWAP where needed
Insurance & reserves
A first-loss program targets a fraction of TVL via specialist underwriters. A separate reserve sits in institutional custody for tail scenarios.
10%
TVL coverage target
200 bps
Fee budget (total)
Split across protocol margin, insurance premium accrual, long-dated reserve, and operational gas.
Ready when you are.
Better yields for good causes, clearer rails for donors, and infrastructure built for long lock horizons — not one-off transfers.