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Xiaomi.

AI-managed investing

Pick a tier.
We’ll do the math.

Four tiers, each engineered to target a different return range. Pick the one that matches your appetite, allocate from your wallet, and our AI agents execute the strategy for you.

Daily interest accrual. Withdrawable to your wallet any time. Starter is backed by the Company reserve fund.

  • Starter principal capital-protected by the reserve fund
  • Strategy mix shown upfront on every tier — no black box
  • Sign-in & KYC L2 required to allocate — browse and calculate freely

Funds in segregated custody · Step-up auth on every allocation & redemption

Yield calculator

Balanced
$1,000
$100$50,000
6 months
1 mo24 mo

Tier

Projected interest (6-month)

$60to$90

Based on 12–18% target APY, simple-interest projection. Auto-compound would deliver higher.

Four tiers

Pick the appetite. Pick the lock-in.

Higher target APY → higher max drawdown and longer lock-in. The trade-off is on the card — we don’t hide it in the small print.

StarterCapital protected

High-yield savings, with a safety net.

Target APY

8–12%

Lock-in
30 days
Early-exit fee
1.5%
Minimum
$100
Max drawdown
3%
Leverage
None
Rebalance
daily

Strategy

Stablecoin yield · Short-dated bonds · Low-volatility FX

BalancedMost picked

A managed portfolio for the long horizon.

Target APY

12–18%

Lock-in
60 days
Early-exit fee
2.5%
Minimum
$500
Max drawdown
8%
Leverage
None
Rebalance
daily

Strategy

Blue-chip equities · BTC/ETH · Stablecoin yield · FX

Growth

Actively managed across crypto and equities.

Target APY

18–25%

Lock-in
90 days
Early-exit fee
4%
Minimum
$2k
Max drawdown
15%
Leverage
≤ 1.5x
Rebalance
hourly

Strategy

Growth equities · DeFi yield · Crypto baskets · Smart-money flow

Elite

Hedge-fund-style execution.

Target APY

25–30%+

Lock-in
180 days
Early-exit fee
6%
Minimum
$10k
Max drawdown
25%
Leverage
≤ 3x
Rebalance
continuous

Strategy

Active AI trading · Leveraged positions (≤3x) · Alt-coin baskets

How it works

Four steps to a managed position.

  1. 01

    Verify your identity

    KYC L2 is required to invest. Selfie + government ID via Persona; most decisions arrive in under a minute.

  2. 02

    Pick a tier and an amount

    Choose Starter, Balanced, Growth, or Elite. Confirm amount from your wallet. Auto-compound is on by default.

  3. 03

    Earn daily

    Interest accrues every 24 hours into a claimable balance. AI agents execute the strategy under per-tier risk caps.

  4. 04

    Withdraw any time

    Claimable interest moves to your wallet without fee. Principal is free after lock-in; the tier’s early-exit fee applies if you withdraw earlier.

Strategy mix

What the AI actually trades.

Every tier shows its asset weights upfront. Admin can adjust these mixes from the dashboard — live changes update here.

Starter8–12%
  • Stablecoin yield (Aave / Compound v3)50%
  • Short-dated government bonds30%
  • Low-volatility FX carry20%

A conservative blend designed to deliver dependable yield. Roughly half sits in audited stablecoin lending; the rest in 3–6 month government paper and low-volatility currency pairs. The reserve fund tops the position up to 8% APY if a 30-day window underperforms.

Balanced12–18%
  • Blue-chip equities (1810.HK, AAPL, NVDA)35%
  • BTC / ETH allocation25%
  • Stablecoin yield25%
  • FX carry + low-vol pairs15%

A diversified mix that pairs growth-oriented equities and majors-only crypto with yield-bearing stablecoins and FX. Rebalanced daily. Suited for users with a 2–3 month horizon who want exposure to upside without managing positions themselves.

Growth18–25%
  • Growth equities (NVDA, TSLA, XPEV)35%
  • DeFi yield (Uniswap LP, Pendle, etc.)25%
  • Crypto baskets (large-cap alts)20%
  • Smart-money flow signals20%

Hourly rebalancing across growth equities and DeFi yield strategies, augmented by on-chain smart-money flow analysis. Higher target return reflects higher volatility — the AI agent operates under an 8% max drawdown cap with automated de-risking on breach.

Elite25–30%+
  • Active AI trading (intraday + swing)40%
  • Leveraged positions (≤ 3x)25%
  • Alt-coin baskets20%
  • Growth equities15%

Continuous rebalancing with the highest risk budget on the platform. The AI runs intraday and swing strategies across equities and crypto, uses up to 3x leverage on a subset of positions, and holds a tactical alt-coin sleeve. Available only above $10,000 minimum, with the longest lock-in.

Starter capital protection

When the strategy misses the floor, the reserve fund pays.

Starter is the only tier with capital protection. If a 30-day window of realised performance falls below the 8% APY floor, the Company reserve fund tops up affected positions pro-rata. Every top-up is recorded on the public Reserve Ledger.

Reserve fund balance
$2.4M
Top-ups (12 months)
$14.8k
Coverage ratio
4.2×
Last top-up
2026-05-23
See the public Reserve Ledger
DateReasonPositionsTop-up
2026-05-2330-day window 7.8% APY — Starter142$1,840
2026-04-1130-day window 7.6% APY — Starter89$1,120
2026-02-0930-day window 7.9% APY — Starter56$410
Append-only · publicly auditable3 of 28 entries shown

FAQ

What people ask before they allocate.

Seven questions our team hears most. If yours isn’t here, support replies within four business hours.

Email support
  • 01How does the AI actually trade?
    Each tier maps to a managed account at our licensed broker partner. AI agents execute the strategy under per-tier guardrails — max drawdown, position-size cap, and leverage cap. The agent rebalances on the tier’s configured window (daily for Starter and Balanced, hourly for Growth, continuous for Elite).
  • 02Are returns fixed?
    No — each tier shows a target APY range (e.g. 12–18% for Balanced). Daily accrual reflects the strategy’s actual performance against the target for that window. Starter is the only tier with capital protection: if 30-day realised performance falls below 8% APY, the reserve fund tops the position up to the floor.
  • 03When can I withdraw?
    Claimable interest — any time, no fee, credited to your wallet immediately. Principal — any time, but the tier’s early-exit fee applies if you withdraw before the lock-in expires. After lock-in expires, principal withdrawal is free.
  • 04What is the early-exit fee for?
    It compensates the strategy for unwinding positions before they’ve had time to mature. Without it, mass early redemptions would force the AI to liquidate at unfavourable prices, hurting users who stay invested. The fee is deducted from principal at redemption — not from accrued interest.
  • 05How does the AI behave during volatile markets?
    Every tier has a hard max drawdown cap. When realised drawdown approaches the cap, the AI agent automatically de-risks — closing leveraged positions first, then reducing high-volatility allocations. The cap on Starter is 3%; on Elite it’s 25%.
  • 06How do taxes work?
    Daily accrual into the claimable balance may be taxable as ordinary income in your jurisdiction. Claiming interest to your wallet is not a separate taxable event — the income was already recognised at accrual. Principal redemption returns are typically non-taxable (you’re receiving your own money back). Consult a tax adviser in your jurisdiction.
  • 07How do I pick which tier is right for me?
    Three factors. (1) Your horizon — if you might need the money in 30 days, Starter; if you can lock for 6 months, Elite. (2) Your tolerance for drawdown — Starter caps at 3%, Elite at 25%. (3) Your amount — Starter starts at $100, Elite at $10,000. The yield calculator above shows projected returns for any combination.

Open your first plan in three minutes.

Sign-in & KYC L2 take about three minutes. After that, allocation is a single confirmation — from the same wallet you trade, shop, and contribute with.

Open accountCompare tiers first

Target APY ranges shown are tier objectives based on the configured strategy mix; realised returns for any 30-day window depend on market conditions for that window. Starter principal is protected by the Company reserve fund.

Three minutes. No paperwork.

Trade, shop, and contribute from one wallet.

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