Conservative
~12% APY
Capital preservation first. Stable lending protocols like Aave and Compound. Lower volatility, steady compounding.
Strategy
- Primary allocation to blue-chip lending protocols (Aave, Compound)
- Stablecoin-focused positions minimising directional exposure
- Automatic compound interest reinvested continuously
- Conservative risk parameters with tight position limits
- Lowest volatility tier — designed for capital preservation
Growth Scenarios (12% annual)
Illustrative only. Not a guarantee.
Starting: €10,000
| 1 Year | 3 Years | 5 Years |
|---|---|---|
| €11,200 | €14,049 | €17,623 |
Starting: €25,000
| 1 Year | 3 Years | 5 Years |
|---|---|---|
| €28,000 | €35,123 | €44,058 |
Starting: €50,000
| 1 Year | 3 Years | 5 Years |
|---|---|---|
| €56,000 | €70,246 | €88,117 |
Savings Account vs Conservative Tier
| Savings (0.5%) | Conservative (12%) | |
|---|---|---|
| €10K × 1yr | €10,050 | €11,200 |
| €10K × 3yr | €10,151 | €14,049 |
| €10K × 5yr | €10,253 | €17,623 |
Risks
- Smart contract risk in lending protocols
- Stablecoin de-peg events (low probability, high impact)
- Protocol governance changes affecting yields
- DeFi market-wide liquidity events
- Past performance does not guarantee future results
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