Balanced
Target 15–20 % APY
The core Dervon strategy. This tier diversifies across lending protocols and liquidity pools, actively optimising yield while managing risk through automated rebalancing. It combines the stability of lending with the higher returns available from concentrated liquidity provision.
How it works
- Lending protocol allocation — core positions in established lending markets earning steady interest
- Concentrated liquidity provision — capital deployed in high-volume trading pools, earning fees through active position management
- Funding rate capture — delta-neutral positions that earn periodic payments from derivatives markets without taking directional risk
- Automatic reinvestment of all earnings across strategy types
- Active rebalancing between strategy allocations based on market conditions and yield opportunities
- Risk-managed exposure — all positions are hedged or delta-neutral. No directional crypto bets.
Projected growth if target is met
The table below assumes the midpoint of the target range (17.5 % annual) is achieved consistently. Actual returns may be higher, lower, or negative in any given period.
Hypothetical illustration only — not a promise or guarantee of returns.
Starting: €10,000
| 1 Year | 3 Years | 5 Years |
|---|---|---|
| €11,750 | €16,259 | €22,507 |
Starting: €25,000
| 1 Year | 3 Years | 5 Years |
|---|---|---|
| €29,375 | €40,648 | €56,267 |
Starting: €50,000
| 1 Year | 3 Years | 5 Years |
|---|---|---|
| €58,750 | €81,296 | €112,535 |
Savings account vs Balanced tier (if target met)
| Savings (0.5 %) | Balanced (17.5 %) | |
|---|---|---|
| €10K × 1 yr | €10,050 | €11,750 |
| €10K × 3 yr | €10,151 | €16,259 |
| €10K × 5 yr | €10,253 | €22,507 |
Risks you should understand
- Smart-contract risk spans multiple protocols — a bug in any one of them can affect funds in that position
- Impermanent loss in liquidity positions means you could receive back less than you deposited, even if protocol fees are earned
- Protocol governance votes may change yield parameters, fee structures, or withdrawal conditions without prior notice
- A market-wide DeFi liquidity crisis could temporarily prevent withdrawals or trigger unfavourable liquidations
- Higher volatility than the Conservative tier — short-term drawdowns should be expected
- Yields fluctuate — the target range is not guaranteed, and actual APY in any period could be below the range or negative
- Past performance, including any back-tested or simulated data, does not guarantee future results
- Concentrated liquidity positions carry impermanent loss risk — if asset prices move significantly, the position may underperform a simple hold
- Cross-venue strategies involve coordination across multiple platforms — temporary price discrepancies between venues can create brief exposure windows
- Higher target returns involve higher complexity and more active position management than the Conservative tier
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