Coinstancy Investment Manifesto (CIM)
We focus investments on stablecoin-to-stablecoin pools to maintain the capital’s value stable.
The yield comes from three mechanisms:
Swap fees generated within liquidity pools,
Interest rates from lending protocols,
and Incentives distributed by certain protocols.
Earnings are collected and automatically reinvested, enabling compound yield without speculative exposure to volatile assets.
The DOLLAR and EURO Pools use the same approach, adjusted to USD or EUR stablecoins depending on liquidity and collateral transparency.
PROTOCOLS USED
The selection of protocols is based on:
Liquidity,
Security track record,
Quality of governance,
and the review of available audits.
The main protocols are Curve, Aerodrome, Velodrome, Uniswap, Beefy Finance, Balancer, Compound, Pendle, Morpho, Angle Protocol, Aave, MakerDAO, Sky Protocol, Silo, ZyFAI, and Yield Optimizer.
STABLECOINS USED
USD: crvUSD, USDC.e, USDT, USDC, USDS, DAI, USDbC, LUSD, GHO, axlUSDC, USD0, fxUSD EUR: EURE, EURC, EURA, stEUR, EURCV
We prioritize over-collateralized stablecoins or those with proven stabilization mechanisms, when liquidity allows.
CROSS-CHAIN INFRASTRUCTURE
To access the best available yields, funds may be allocated across Gnosis, BNB Chain, Optimism, Arbitrum, Polygon, Base, Ethereum, Sonic, and Plasma.
Primary bridge: Jumper Exchange. Secondary bridge: Bungee Exchange.
SECURITY & CONTROLS
Fund custody: Multisignatures wallet Safe or Circle Wallet.
Traceability: weekly report + on-chain transparency.
Insurance: complete coverage through Opencover.
RISK MANAGEMENT
Each protocol receives an internal risk score from 0 to 5 based on security, liquidity, and governance. Allocation is capped at 25% per protocol and 30% per stablecoin type to avoid concentration.
Rebalancing is done gradually to adjust positions without abrupt movements. We prioritize over-collateralized stablecoins when available. Deposits are limited to 25% of the total funds on any single protocol.
In case of an incident on a protocol, 75% minimum of funds remain accessible, and 25% maximum may be covered through our Opencover insurance. All positions are then exited immediately, and liquidity is secured.
When a pool is not insurable, exposure is limited to 10% of capital. If an incident occurs, an internal risk committee is activated to define appropriate reimbursement procedures for depositors.
WHY THIS STRATEGY
Our approach focuses on stablecoin-to-stablecoin pools to limit volatility and maintain stable capital value. Yield is generated from three transparent sources: swap fees, lending interest rates, and protocol incentives.
We select platforms based on liquidity, security track record, and auditability, which reduces technical and market risk. Allocations are capped per protocol and per stablecoin to prevent excessive concentration. Gains are automatically reinvested to achieve compound yield, without speculative exposure.
The entire process is controlled through multisignatures and partially insured, ensuring long-term operational security.
RISK ANALYSIS
Aave
5.0
5.0
0.0
Market benchmark. Very solid. Stable governance. Deep liquidity.
Morpho
4.8
4.6
+0.2
Prudent architecture. Formal verification. Growing adoption among crypto institutions.
Uniswap
4.7
4.6
+0.1
Proven core. High volume. Limited attack surface. High bounty.
MakerDAO / Sky
4.6
4.5
+0.1
Robust governance. Better diversified collateral. Stabilized Spark evolution.
Compound
4.4
4.3
+0.1
Mature protocol. Few recent developments, but remains stable and secure.
Pendle
4.3
4.1
+0.2
Strong growth. Stable contracts. No incidents on the core.
Curve
4.0
4.0
0.0
Key stablecoin infrastructure. Vyper incident already absorbed. Enhanced security monitoring.
Beefy Finance
3.9
3.8
+0.1
Multi-protocol automation. Integration risk, not core risk.
Angle Protocol
3.7
3.6
+0.1
Redesign after Euler stress. More rigorous framework. Remains younger than Maker.
Velodrome
3.5
3.4
+0.1
Works, but code is less proven. Governance risk + incentives.
Aerodrome
3.3
3.2
+0.1
Inherited from Velodrome. Very young. Little history under stress.
Balancer
3.0
4.2
-1.2
Recent major incident. Score lowered. Awaiting post-mortem + audits.
ZyFAI
2.8
2.6
+0.2
Recent project. Limited visibility on audits/bug bounties. Conservative score.
4.5 to 5.0: reference protocols / structural foundations of liquidity.
3.8 to 4.4: mature protocols, but requiring contextual monitoring.
3.0 to 3.7: functional protocols, but less battle-tested or recently stressed.
<3.0: experimental or lacking track record → cautious allocation only.
PROOF OF FUNDS AND PROOF OF INSURANCE
https://debank.com/profile/0x6778b84d06804ecc154998b3fc73e557a4f1062d https://debank.com/profile/0xc54672219c3e80c6108a3a8655f86f40aec1f629 https://debank.com/profile/0x39ADC52599958fb9582BBe84DDB6B5B2fb35c1a8
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