About BoC

BoC Sources of Yield

BoC is a DeFi protocol that provides the best long-term near "risk-free" return. Depending on the strategy, BoC has four souces of yield:

1. AMM Fees: The transaction fees charged for providing market-making funds (liquidity) to decentralized exchanges (DEX). The amount of fees obtained is proportional to the liquidity (shares) provided to the pool.

2. Lending Interest: The interest charged on funds borrowed for over-collateralized loans.

3. Governance Tokens: Governance token's rewards obtained from the participation in other protocols (liquidity mining rewards).

4. Staking rewards: Rewards obtained from ETH 2.0 staking.

Why BoC?

The existing DeFi protocols present the following problems,

• Yield volatility.

• Complicated operations.

• Obscure strategy and performance.

• Present a complex user interface and requires high-expertise in DeFi investments.

• Circular dependencies for yield aggregators.

• High investment thresholds.

• Requirement of multiple cryptocurrencies.

What makes BoC different?

BoC is the first Decentralized Bank (DeB), where you can deposit your crypto assets and automatically BoC´s smart contracts will perform decentralized investing by carefully running selected strategies on different high-quality DeFi protocols to create long-term stable income near "risk-free".

The main characteristics that make BoC a unique product are:

Bank-like Structure:

1. Bank-like user interface.

   • Users can deposit and withdraw directly without considering the difficulties of implementing complex operations such as farming, exchange, and reallocation. BoC makes the best selection for them.

   • Historical and dynamic returns are intuitively visible.

2. Bank-like services.

   • Wealth management tool on the blockchain.

   • Self-served lending (to be implemented)

3. Bank-deposit-like tokens (USDi & ETHi):

   • Fully liquid.

   • 1:1 pegged.

   • Interest-bearing.

   • Fully backed.

Outstanding DeFi Protocol:

1. The strategies and movement of funds have full transparency.

2. Provides a sustainable yield.

3. Performs due diligence to all stakeholders before any further collaborations.

4. It's dummy-proof.

Prioritized Safety Features:

1. The market cap of qualified stablecoins exceeds 1 billion dollars.

2. The TVL of qualified Blockchains exceeds 5 billion dollars.

3. It has third-party auditing in place.

4. It only uses authorized third-party cross-chain bridges for transactions.

5. It incorporates Chainlink's price feeds, a market-leading oracle.

Equipped with Risk Control Measures:

1. It minimizes the de-pegging risk of stablecoins.

2. It reduces the risk of impermanent loss, as only stablecoin trading pairs are used for market-making.

3. The systemic risk is optimized by the highly selective wrapped tokens and yield aggregators.

4. Algorithmic stablecoin are prohibited.

5. Any leverage function is provided.

6. Circular dependency is constantly being studied to avoid it.

Smart Automation:

1. Pool yields are regularly calibrated, weighing the cost and yield of funds allocation.

2. It seeks for the optimum rate regularly through exchange aggregators.

3. It performs foreign exchange arbitrage and leveraging automatically based on the exchange rate and yield volatility.

4. Parameters are automatically set for market-making and lending strategy.

In summary, BoC Platform is the missing catalyst that will revolutionize the industry, generating a new route to interact with the DeFi Ecosystem, making it a safe path for newcomers. This will lead to new market growth compared to other similar products in the market:

Comparing Product	BoC	Yearn	OUSD	Aladdin DAO	Enzyme	Farming	Beefy	Alpha	Yield app
Type	DeFi Bank	Yield Aggregator	Yield-bearing Stablecoin	Yield Aggregator	Yield Aggregator	Yield Aggregator	Yield Aggregator	Yield Aggregator	DeFi Bank
Details	BoC is a multi-chain yield optimiser with a goal to become the first decentralised bank (DeB), which enables users earn the best long-term “risk-free” rewards by employing smart strategies.	Yearn Finance is a suite of products in Decentralized Finance (DeFi) that provides yield generation, lending aggregation, and more on the blockchain.	Origin Dollar (OUSD) is a yield-bearing stablecoin which earns interest without being locked up.	AladdinDAO is a decentralized network to shift crypto investments from venture capitalists to wisdom of crowds through collective value discovery.	Enzyme is an DeFi asset management system that funds, investment clubs, DAO treasuries and more by aggregating yield from a number of DeFi protocols	Harvest Finance is a yield farming protocol that allows users to put their assets to work in high-producing farming opportunities.	Beefy Finance is a Decentralized, Multi-Chain Yield Optimizer that allows its users to earn compound interest on their crypto holdings. Beefy earns you the highest APYs with safety and efficiency in mind.	Alpha Finance Lab is an ecosystem of cross-chain DeFi products that focuses on capturing unaddressed demands in an innovative and user-friendly way.	Your Digital Wealth Partner Discover the easiest way to earn on your digital assets
Supported Chain	ETH	ETH Fantom Arbitrum Optimism	ETH	ETH	ETH Polygon	ETH BNB Chain Polygon Arbitrum	BNB Chain Polygon Arbitrum Fantom Avalanche Harmony	ETH BNB Chain Avalanche	ETH BNB Chain
Locked Asset（USD） 09/01/2023	16.5k	363M	49M	50M	52M	12M	275M	71M	150M
Official Token	n/a	YFI	OGN	ALD	MLN	FARM	BIFI	ALPHA	YLD
KYC Required	N	N	N	N	N	N	N	N	Y
Open Source	Y	Y	Y	Y	Y	Y	Y	Y	N
Min. Investment	N	N	N	N	N	N	N	N	100 USD
Stablecoin only	Y	N	Y	N	N	N	N	N	N
Stablecoin actual return*	11%	5.46%	8.97%	3.63%	-	5.42%	6.55%	1.20%	7-11%
Number of Vaults	2	Multi	1	Multi	Multi	Multi	Multi	Multi	Multi
Multi-Strategy supported	Y	Y	Y	N	Y	Y	N	N	Unknown
Automatic fund allocation supported	Y	No, only manually	N	N	No, only manually by fund manager	No, only manually	N	N	Unknown
Exchange occur when pool assets are invested	Y	N	N	N	Y	N	N	N	Unknown
Strategy selection	It is currently strictly selected by the team	Community	Selected by the team	Community	Selected by the fund manager	Community	Community	Community	Selected by the team
Diversification considered	Y	N	N	N	N	N	N	N	unknown
Exchange aggregation used	Y	N	N	N	Y	N	N	N	unknown
Support leveraged lending and investment	None	None	N	N	N	N	N	Y	N
Support to extract at any time	Y	Y	Y	Y	Y	Y	Y	Y	Y
Fee Scheme	None, at the moment, with Performance fee scheduled for future implementation.	Performance fee	Performance fee Withdrawal fee	Performance fee	Performance fee Entrance fee Management fee	Performance fee	Performance fee Withdrawal fee on some vaults	Performance fee	Performance fee

*Note: The rate of return of the corresponding competing products needs to be reconfirmed, and currently it only reflects the official display rate of the product. It does not consider token incentives and subsidies.