Your crypto,
on autopilot.

We hold a BTC & ETH basket through each market cycle and rotate into Aave USDC lending in the bear — automatically. You keep your keys. We do the hard part.

Non-custodial. We never hold your funds. Withdraw anytime.
You keep custody
Audited protocols only
Withdraw anytime
We only earn when you do
How it works

Three steps, then you can forget about it.

No spreadsheets, no charts at 2am. Pick how much risk feels right, and we handle the rest.

1

Choose your comfort level

Answer a few plain questions. We match you to Conservative, Balanced, or Aggressive, each built for a different appetite for ups and downs.

2

We create your wallet

A secure, non-custodial wallet is set up in your name. Your keys stay yours. We get permission to manage strategies, never to withdraw.

3

Your money rides the cycle

We buy a BTC & ETH basket in the post-halving bull market, rotate to Aave USDC lending near the top, then earn yield through the bear — automatically, on a rules-based schedule. You watch it work.

Portfolios

One of these will feel like you.

Every portfolio runs the same engine: a 50/50 BTC & ETH basket held through the post-halving bull market, then 100% Aave USDC lending in the bear. How much you hold in the basket is what changes.

Conservative
~70%cycle CAGR*
BTC & ETH through the bull, cash between.
Worst dip:  up to 45%
BTC / ETH basket (in cycle)60%
Aave USDC lending (in bear)40%
Aggressive
~120%cycle CAGR*
Full basket, full cycle.
Worst dip:  up to 65%
BTC / ETH basket (in cycle)100%

*Backtested halving-cycle CAGR (BTC since 2011 / ETH since 2016), fit to 2–3 cycles — not a forward promise. Returns are lumpy: the basket is held only during the ~18-month post-halving bull window, then 100% Aave USDC lending. Vaults are currently in the lending phase until the next entry (~Oct 2026). Crypto can fall hard and fast — each profile shows its real worst-case drawdown. Not financial advice.

The backtest

Three halving cycles. One simple rule.

We replayed the exact rule on real BTC prices since 2011 and ETH since 2016: hold a 50/50 BTC & ETH basket through the post-halving bull, rotate to Aave USDC lending near the top, wait out the bear. Net of the 10% fee. The chart starts at the strategy's first entry (2015).

Risk-adjusted return
1.6–1.9
Calmar · vs 0.8 for buy-and-hold
Worst drawdown
−44%
Conservative · vs −88% holding 50/50
Halving cycles tested
3
2015 · 2019 · 2022 entries
0.1× 10× 100× 1000× 10000× 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Growth of $100,000 — log scale, since first cycle entry (2015), net of 10% fee
Balanced 2273× Conservative 475× Aggressive 8972× HODL 50/50 524×
Conservative
Backtested cycle CAGR*71%
Risk-adjusted (Calmar)1.6
Worst drawdown−44%
Balanced
Backtested cycle CAGR*96%
Risk-adjusted (Calmar)1.7
Worst drawdown−55%
Aggressive
Backtested cycle CAGR*121%
Risk-adjusted (Calmar)1.9
Worst drawdown−65%
How this was measured — and what it does not promise
Real prices, almost no assumptions

Pure BTC/ETH spot prices the whole way (Bitstamp 2011+, Coinbase 2016+). The only modelled inputs are a ~3% cash yield while flat and trading costs. No leverage, no liquidation risk.

Backtested, not a promise

The entry/exit timing is fit to only 2–3 past halving cycles, and the next live entry (~Oct 2026) has never been tested. The 4-year cycle may not repeat — it is already stretching.

Currently in Aave USDC lending

Returns are lumpy — the basket is held only during the ~18-month bull window. Right now every vault sits in 100% Aave USDC lending until the next entry (~Oct 2026), earning yield.

Risk is real

There is no stop while the basket is held — it rides the full mid-bull drawdown. Backtested worst drops ran −44% (Conservative) to −65% (Aggressive).

*Backtested cycle CAGR since the 2015 entry across 3 halving cycles — not a forward promise. Backtested results are not live results. Past performance does not guarantee future results. This is not financial advice. Crypto can lose value rapidly, including your full deposit.

Your dashboard

Everything, in one calm view.

Check it from anywhere. See exactly what you own, what it is earning, and what we have charged, to the cent.

0x2006…363B · Balanced
Total value
$24,318.40
Cash phase · in Aave USDC lending
Strategy
BTC / ETH cycle
Backtested CAGR
~96%
Worst dip
55%
$
Aave USDC lending
Cash phase · earning yield now
$24,318
100%
BTC core (spot)
Deploys at next entry · ~Oct 2026
$0
40% target
Ξ
ETH core (spot)
Deploys at next entry · ~Oct 2026
$0
40% target
Allocation
Aave USDC lending 100% (cash phase)
BTC core 40% (at entry)
ETH core 40% (at entry)
Performance fee charged (this yr)
$214.30
10% of the profit we make you above your high-water mark. $0 on any month you do not make money.
See a sample dashboard
Pricing

We only get paid when you make money.

No management fee. No fee to join. No fee to leave. Just a share of the yield and profit we actually earn for you.

High-water mark on trades, always. If a position dips and recovers, you pay nothing until you are back above your previous peak. You never pay twice for the same gains.
10%
of what we earn you, and nothing else.
  • Lending & LPs10% of the yield generated, the Morpho-vault standard. Accrued continuously, charged only on interest earned. Never on your principal.
  • Swing positions10% of realized profit, with a high-water mark. Charged only when a trade closes in the green, never on paper gains.
  • A flat or losing month?You pay $0. No yield earned means no fee taken.
Security

Your keys. Your crypto. Always.

Fonte is fully non-custodial. Your funds live in a smart wallet that only you can withdraw from. We get a narrow, revocable permission to manage strategies, and that is it.

We can manage, never withdraw

Our keeper can only rebalance, lend, and provide liquidity. It physically cannot move funds to anyone but you.

Audited protocols only

Aave, Aerodrome, Morpho, Uniswap. Blue-chip, audited, billions in TVL. Never a three-week-old farm chasing a flashy number.

Revoke in one click

Change your mind anytime. Pull our permission and withdraw everything. No notice, no lock-in, no penalty.

Your smart wallet
Permissions
Provide liquidity & lend
Allowed, scoped to audited pools
Rebalance & harvest
Allowed, keeps your mix on target
Withdraw to anyone but you
Blocked, only you can cash out
Bullet-proof smart contracts

Independently audited, and built only on protocols that are themselves audited and battle-tested: Aave, Morpho, and Aerodrome.

Audited by
OpenZeppelin
Trail of Bits

Questions, answered plainly.

No, and not because we promise. Because we cannot. Your funds sit in a smart wallet only you can withdraw from. Our permission is limited to managing strategies inside audited protocols. We never touch the exit door.

Over a full market cycle, our Balanced portfolio targets 14 to 22% a year, most of it from yield rather than guessing prices. But crypto is volatile. You should expect a 20 to 35% dip somewhere along the way. We show you the realistic worst case up front, because that is the honest thing to do.

Most of your money earns yield from lending and liquidity, income that keeps compounding whether prices go up or sideways. We can also profit when the market falls, through a tactical short sleeve that buying Bitcoin alone cannot. We benchmark ourselves against simply holding Bitcoin, and if we cannot beat it, we will tell you.

10% of what we earn you. On lending and LPs we follow the Morpho-vault standard, taking a cut of the yield generated, accrued continuously and charged only on interest. On swing trades, only when a position closes in profit, with a high-water mark. If your account is below its high, you pay nothing until it recovers.

Yes. There is no lock-up. Revoke our permission and withdraw everything in a couple of clicks. Some positions take a short moment to unwind, but nothing holds your funds hostage.

Put your crypto to work, without the work.

Tell us your comfort level. We build your portfolio. You watch it grow.

Build my portfolio
Non-custodial · No fee to join · Withdraw anytime