Conservative
Target 10–15 % APY
Capital preservation first. This tier allocates primarily to battle-tested lending protocols like Aave and Compound, focusing on stablecoin positions that minimise directional market exposure. The goal is steady compounding with the lowest volatility across all Dervon tiers.
How it works
- Primary allocation to established lending protocols with multi-year security track records
- Stablecoin-focused positions — no exposure to crypto price movements
- Selective yield optimisation across multiple lending markets, rotating to the best available rates
- Earned interest is automatically reinvested to compound returns
- Conservative risk parameters with strict position limits enforced systematically
- Lowest volatility tier — designed for participants who prioritise capital preservation above all else
Projected growth if target is met
The table below assumes the midpoint of the target range (12.5 % 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 |
|---|---|---|
| €11,250 | €14,258 | €18,020 |
Starting: €25,000
| 1 Year | 3 Years | 5 Years |
|---|---|---|
| €28,125 | €35,645 | €45,051 |
Starting: €50,000
| 1 Year | 3 Years | 5 Years |
|---|---|---|
| €56,250 | €71,289 | €90,102 |
Savings account vs Conservative tier (if target met)
| Savings (0.5 %) | Conservative (12.5 %) | |
|---|---|---|
| €10K × 1 yr | €10,050 | €11,250 |
| €10K × 3 yr | €10,151 | €14,258 |
| €10K × 5 yr | €10,253 | €18,020 |
Risks you should understand
- Smart-contract bugs or exploits in lending protocols could lead to partial or total loss of deposited funds
- A stablecoin de-peg event (e.g. USDC in March 2023) can cause sudden, significant drawdowns even in "stable" positions
- Protocol governance votes may change yield parameters, withdrawal terms, or fee structures without advance notice
- A market-wide DeFi liquidity crisis could temporarily prevent withdrawals or force unfavourable liquidations
- 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
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