How Your Money Could Work Harder
Banks pay you a fraction of what they earn with your deposits. Dervon uses automated digital money markets to target significantly better returns — and passes them to you.
The Bank Spread Problem
When you deposit money in a savings account, the bank pays you around 0.5% interest. It then lends that same money to others at 5-10%. The difference — typically 4.5-9.5% — covers branches, employees, legacy IT systems, and shareholder profits.
This is not a conspiracy. It is simply how banks work. The question is whether that structure still makes sense when automated alternatives exist.
Digital money markets (DeFi protocols) perform the same lending function — matching lenders with borrowers — but without the physical overhead. The result is that a much larger share of the yield can flow back to the person providing the capital: you.
How Dervon Works For You
Dervon deploys your capital across multiple automated lending and liquidity protocols. Here is what each core strategy does, in plain terms:
Your capital is lent to borrowers through automated protocols. They pay interest for the privilege — just like a bank loan, but without the bank in the middle.
Your capital is placed in trading pools that facilitate exchanges. You earn a share of the trading fees generated — similar to being a market maker.
All earnings are reinvested automatically. Your returns generate their own returns, without you needing to do anything.
Three Strategies, Three Risk Levels
10-15% target
Focused on stable lending protocols. Capital preservation is the priority. Lower volatility, steadier returns.
15-20% target
A mix of lending and liquidity provision. Aims for the best trade-off between growth and stability.
25-30% target
Higher-yield protocols with active rebalancing. Maximum growth potential, higher short-term fluctuation.
Investment Comparison
| Investment Type | Typical Annual Return | Availability | Volatility |
|---|---|---|---|
| Savings Account | 0.5-1% | Anytime | None |
| Fixed Deposit (1yr) | 2-3% | After term | None |
| Index ETFs (e.g. MSCI World) | 6-9% (long-term avg) | Anytime | Medium |
| Dervon Conservative | 10-15% target | Quarterly* | Low-Medium |
| Dervon Balanced | 15-20% target | Quarterly* | Medium |
| Dervon Aggressive | 25-30% target | Quarterly* | Medium-High |
* Quarterly liquidity after minimum commitment period. Target returns are not guaranteed — they represent the range the underlying DeFi protocols have historically achieved.
Fee Structure
Dervon uses the industry-standard "2 and 20" model, the same structure used by most professional investment funds:
2%
Per year on assets under management
20%
Only charged on actual profits
80%
Of all profits go to you
Example: Balanced tier generating 25% gross
Gross return: 25%
Management fee: -2%
Performance fee: -4.6% (20% of the remaining 23%)
Net to you: ~18.4%
No hidden fees. You only pay performance fees when there are profits.
Frequently Asked Questions
Is this cryptocurrency? Do I need to buy Bitcoin?
No. You do not buy or hold cryptocurrency directly. Dervon operates through a professional structure that uses DeFi protocols as infrastructure — similar to how a real estate fund uses properties without you buying buildings. Your participation is denominated in stablecoins (digital dollars pegged 1:1 to USD), not volatile crypto assets.
Can I withdraw my money?
After the minimum commitment period, withdrawals are available at quarterly intervals. Early withdrawal is possible but may incur costs, as strategies are optimised over longer timeframes. We recommend planning for at least 1 year, ideally 3-5 years for best results.
How much do I need to start?
Minimum amounts are discussed individually. More important than the amount is that you understand how it works and that you will not need the money during the commitment period.
What if something goes wrong?
All investments carry risk, including potential loss of capital. Dervon mitigates this through diversification across multiple protocols, 24/7 automated monitoring, and professional risk management. However, we do not and cannot guarantee returns. DeFi protocols carry smart contract risk, market risk, and liquidity risk. We are transparent about these realities.
Is there a track record?
Dervon is currently in development. We do not claim audited historical performance. The target return ranges are based on what the underlying DeFi protocols have demonstrated, not on Dervon-specific backtest data. We will share verifiable performance data once live operations begin.
How is my money protected?
Capital is held within a professional structure with risk diversification across multiple DeFi protocols. All positions are recorded on public blockchains and are fully auditable. However, this is not a bank deposit and is not covered by government deposit insurance.
This page is for informational purposes only and does not constitute financial advice, investment recommendations, or an offer to buy or sell securities or digital assets. Dervon and CryptaCore make no guarantees regarding specific returns or outcomes. All investments carry risks, including the possible loss of capital. Target returns are illustrative and based on historical protocol performance, not guaranteed future results. Consult qualified professionals before making financial decisions.
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