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Where the 90% of your money goes (Conservative Profile)
The Conservative Profile is the part of the vault designed for those who don't want adrenaline, they want predictability.
Here, 90% of what you deposit focuses on protecting your capital and seeking an income similar to fixed-income investments in the Brazilian market, backed by Solana technology.
1. Where the money goes when you deposit
When you deposit into STRATA, the money doesn't go to a person's or company's account. It enters a smart contract on the Solana network, a "code vault" that registers everything publicly and automatically.
Inside this vault, the system separates the capital into two parts: 90% goes to the Conservative Profile (you are here) and 10% goes to the Aggressive Profile, which takes on more risk in exchange for higher potential returns.
"THE MONEY DOESN'T GO TO A PERSON'S ACCOUNT. IT ENTERS A CODE VAULT ON THE SOLANA NETWORK."
2. How these 90% work in the real world
The 90% of the Conservative Profile don't just sit idle on the blockchain.
They are connected to the Brazilian credit market through regulated structures, such as FIDCs (Credit Rights Investment Funds) and securitization companies, which finance businesses using receivables portfolios (e.g., credit card receivables, trade notes, and corporate contracts).
In practice, your money becomes part of a structure that lends to companies, and these companies pay interest to use that capital.
3. How much it can yield (no lies)
The Conservative Profile doesn't promise a fixed monthly yield number.
The idea is to track the logic of Brazilian fixed income, which typically uses the CDI (Interbank Deposit Certificate) as a benchmark, currently hovering around 14–15% per year (varying over time).
Structured credit funds similar to what inspired STRATA usually aim for ranges like "CDI plus a credit premium", something like CDI +2% to CDI +5% per year, depending on the risk, the quality of the receivables, and the market scenario.
STRATA is inspired by this type of operation, but does not guarantee an exact percentage: the actual return may fall above or below this range, depending on the behavior of the economy, interest rates, and the credit portfolio.
"THE IDEA IS TO TRACK THE LOGIC OF BRAZILIAN FIXED INCOME, CURRENTLY HOVERING AROUND 14-15% PER YEAR."
4. How the 10% protects your 90%
All credit carries default risk. To protect the Conservative Profile, STRATA uses a classic "protection layers" model.
The 90% of the Conservative Profile sit on top, with priority of payment; the 10% of the Aggressive Profile sit at the bottom and act as the "first loss piece".
If some of the financed companies delay or fail to pay, the expected losses are deducted first from the Aggressive Profile's balance.
The goal is that your capital in the Conservative Profile is only affected in extreme scenarios, when losses exceed this 10% protection buffer.
5. How the backing is guaranteed in the real world
To ensure this doesn't just become a "pretty internet story", the receivables that generate the Conservative Profile's yield are structured to be registered in financial infrastructures authorized by the Central Bank of Brazil, such as receivables registrars and asset registration platforms (e.g., CERC or B3).
This registration is the exact same mechanism used in traditional credit operations in Brazil, proving that there are real contracts behind it, with real companies owing this money, and that these assets can be fully audited.
6. Withdrawals: why it isn't T+0
Unlike an idle balance in a digital account, corporate credit doesn't return instantly.
Because your money is financing real-world operations, STRATA does not offer T+0 (instant) withdrawals in this Conservative Profile.
Redemption requests follow liquidity windows aligned with the credit portfolio—for example, T+30 windows, similar to credit funds and other fixed-income products dealing with less liquid assets.
This prevents bank runs that could harm all participants and keeps the protocol healthy in the long term.
"BECAUSE YOUR MONEY FINANCES REAL OPERATIONS, REDEMPTIONS FOLLOW LIQUIDITY WINDOWS, KEEPING THE PROTOCOL HEALTHY."
7. Current state: simulation, not real money yet
In the current stage, for the hackathon, all of this works as a simulation. The smart contract already implements the split logic between 90% Conservative and 10% Aggressive, simulated yield calculation, and loss absorption, but using Solana test networks.
The part about converting to BRL, investing in real FIDCs, and integrating with registrars is not yet active in production: this relies on partnerships with institutions regulated by the CVM (Brazilian SEC) and other financial system authorities.
Meanwhile, you can see on the interface how the money would behave in the real world, but without actual financial risk.