# VaultFi Overview ## Welcome to VaultFi: a forward-looking DeFi ecosystem focused on utility, revenue-focused projects, and ecosystem growth. This whitepaper explores the key structural challenges in decentralized finance, VaultFi’s protocol mechanics, and how the platform seeks to address critical gaps in the DeFi space through a staged, transparent, and utility-driven approach. *** #### Introduction In recent years, decentralized finance (DeFi) has evolved rapidly, bringing forward breakthrough innovations and a surge of projects reshaping how financial systems operate on-chain. While many initiatives have expanded the boundaries of what’s possible in crypto, the sector still faces persistent challenges: sustainability, security, unclear roadmaps, and unmet expectations. VaultFi was conceived in response to these recurring gaps, built as a project that incorporates the hard lessons of prior cycles to create a more aligned, modular, and transparent protocol framework. *** #### Overview of VaultFi VaultFi emerges as a structured alternative to the volatility and short-termism that has plagued many DeFi experiments. Rather than rely on hype or reflexive tokenomics, VaultFi is built around a clear multi-phase architecture, a modular Vault system, and treasury mechanics that prioritize clarity and ecosystem alignment. Transparency and consistent communication are core values, especially in an industry that depends on community trust and ongoing coordination. The VaultFi vision is to gradually deploy sustainable, utility-focused systems that are resilient in different market conditions and governed in a decentralized manner over time. *** #### The APY Challenge in DeFi One of the most persistent challenges in DeFi has been developing sustainable yield structures. Projects often attempt to deliver attractive APYs, but without a strong treasury model or external value inputs, these mechanisms tend to break down. This often leads to unsustainable cycles, inflated yields driving temporary demand, followed by collapse once treasury strain sets in. Known informally as the “flywheel of death,” this pattern has repeated across multiple DeFi protocols. VaultFi is designed with this core issue in mind. Instead of relying solely on token taxes or internal loops, VaultFi introduces a phased approach to Vault deployment, dynamic treasury inputs, and diversified exposure via revenue-aligned ecosystem projects. *** **The VaultFi Solution?**\ **Vaults.** # The VaultFi Solution: Vaults ## Vaults: The Solution for Sustainable APY At the heart of VaultFi’s architecture is the Vault system, a modular structure designed to support long-term yield generation, community incentives, and ecosystem expansion. VaultFi’s strategy acknowledges the historical challenges in sustaining yield in DeFi, especially around volatility, overreliance on sell taxes, and circular tokenomics. Our roadmap introduces a phased, diversified approach aimed at supporting a resilient treasury and dynamic utility-driven rewards. ## Phase 1: Foundation Setting In the initial phase, VaultFi launches with a transaction-fee model that redistributes a portion of sale-related fees into the project treasury. Specifically, a 2% fee is collected on all transactions and directed to the VaultFi treasury. This treasury supports staking incentives, community initiatives, and project development. The mechanism is designed to generate internal economic activity, where trading volume helps drive treasury growth. As fewer tokens circulate over time, this dynamic can support stronger price floors and reduce typical “death spiral” patterns seen in unsustainable models. If trading volume decreases, treasury-based incentives remain in place to help maintain interest and participation — reactivating the flywheel effect. While many protocols rely solely on taxes, VaultFi’s structure is built to go further. *** ## Phase 2: Vault Launch Once the foundational flywheel is in motion, Phase 2 introduces Vault expansion through the integration of **revenue-focused projects** from the CoinRock Ventures ecosystem, our broader Web3 incubator and accelerator. These integrations aim to diversify treasury inputs and create utility-backed pathways to support long-term value within VaultFi. Think of it as enhancing the treasury through strategic participation in external Web3 initiatives. The goal: reduce reliance on internal trading volume alone and broaden the base of yield contributors through ecosystem-level participation. *** ## Phase 3: Multi-Vault Diversification and Governance With a stronger base and diversified input streams, Phase 3 expands the VaultFi ecosystem further, introducing additional Vaults aligned with different sectors, assets, and narratives. These Vaults may engage with opportunities both inside and outside the CoinRock ecosystem, depending on community alignment and governance votes. Each Vault will operate with its own logic and exposure focus, allowing users to participate in models best suited to their risk profile and interests. This phase also introduces **decentralized governance** through a VaultFi DAO, enabling token holders and stakeholders to propose and vote on key decisions. This transition ensures that the community plays a central role in guiding the platform’s evolution. # Long-term Values Alignment and Staking ## Long-term Values Alignment and Staking VaultFi is built for those aligned with long-term ecosystem growth. Our staking system encourages active participation, protocol health, and community incentives — rather than short-term speculation. ## Staking mechanism VaultFi staking offers flexibility with no minimum lock-up. Users can stake and unstake at any time, with **no waiting period**. To support treasury sustainability, a **5% unstaking fee** is applied. This helps maintain protocol health while giving users full liquidity access. ### Staking Referral Program VaultFi features a referral-based staking system to encourage organic user growth. First-time stakers using a referral code receive a **discounted unstaking fee**. Referrers earn a **staking bonus** based on referred user activity. Bonuses are **locked for 30 days** and only become claimable if the referred user remains staked throughout the period. For example: User A refers User B.\ If User B stakes 100 tokens, User A receives 10 tokens. User B then refers User C, and User C stakes 100 tokens, User B earns 10 tokens, User A earns 5 tokens\ \ Note: Referral rewards are locked up for 30 days before users are able to claim. Referee that unstakes before that 30 days is up will result in a forfeit of referral rewards. ### Staking Rewards VaultFi implements a **multi-reward system** for users who stake: **Protocol-Based Rewards** Stakers receive protocol incentives in $VFI based on network activity, ecosystem participation, and treasury performance. These are **not fixed**, and fluctuate over time based on project dynamics and available resources. **Long-Term Multipliers** Stakers earn **time-based multipliers** as a thank-you for staying involved. The longer a wallet remains staked, the higher its multiplier — up to a cap. * +0.5% bonus per week staked * Max cap: 24% * Unstaking resets the multiplier This encourages long-term alignment without imposing forced lockups. **Ecosystem Distribution Opportunities** From time to time, VaultFi may allocate tokens, rewards, or distributions based on ecosystem activity, including from selected Vaults. Eligibility is subject to future governance proposals and individual Vault configurations. > These distributions are not guaranteed, not fixed, and depend on project performance and community governance. # Tokenomics * Total supply: **5,000,000,000 (5 billion)** * Launch price: **$0.001** * Initial circulating supply: \~20**%** * Initial market cap: \~**$1,000,000** * FDV: **$5,000,000** * LP: \~**$200,000 (Subjected to SOL price fluctuations)** ## Token allocations * Team: 10% (6 months cliff, 18 months vesting) * Partnerships: 5% (10% TGE, 3 months cliff, 11 months vesting) * Private Round: 2% (20% TGE, 11 months vesting) * Pre-sale Round: 30% + 3% (20% TGE, 5 months vesting) * Airdrop rewards: 10% * Treasury: 32% * Reserves: 5% * LP: 3% ## Token mechanisms * Transaction Fee: 2% (Applies to all transaction including buy, sell, transfers, stake, unstake, etc) * Un-staking fee: 5% or 2.5% with referral # $VFI Token Launch **\[CONCLUDED] Stage 1:** Airdrop - from May 20th to June 4th, 2024 4pm UTC **\[CONCLUDED] Stage 2:** Pre-sale event from June 14th, 2024 - until sell out. **\[CONCLUDED] Stage 3:** TGE Token launch Q2 2025. See the next few sections for more details on the stages. The token will launch on Solana. # \[CONCLUDED] Stage 1: Airdrop ## \[CONCLUDED] Stage 1: Airdrop VaultFi is excited to announce an airdrop, allocating 10% of its total token supply to participants. The airdrop event will span 14 days, from May 20th to June 4th, with rewards distributed at token launch. This process not only rewards early supporters but also strengthens the Vault Finance community as we move forward with our launch. This event is designed to engage and expand our community through a simple farming method: social engagement. ## Part 1: Social Engagement for Airdrop Farming This process involves a few simple steps, outlined below: 1. Visit and connect your wallet. 2. Follow the official VaultFi Twitter account (). 3. Like and RT the pinned tweet. 4. Click on "Sign-up" to receive your referral link/code. 5. Share your referral link to others to accumulate more airdrop allocation.\ A bonus % will be allocated to users who refer more than 10 people (these 10 people must follow the steps outlined above too). \*Note: each registered user is tagged by their wallet address and Twitter account. To ensure fairness to all users, any user found attempting to get more airdrop allocation by creating multiple wallets will be excluded from the airdrop event altogether. ## Social engagement points allocation Sign up (without referral): 200 points\ Sign up (with referral): 300 points\ Each referral gives 100 additional points to referee and referrer ## Part 2: Crack the Vault Crack the Vault is an fun adaptation of Wordle - guess the word correctly and win points towards your airdrop allocation.
Quick guidelines:\ 1\. The quicker you guess the word correctly, the more points you earn. \ 2\. Yellow letters are correct letters but in the wrong position, Green letters are correct letter in the correct position\ 3\. Hints are available if you are stuck - each hint used will cost 15% of the points allocated ## Crack the vault points allocation Successful guess (by # of tries) - 500/400/300/200/100/50 points ## Bonus points allocation Referrers will earn bonus points from their referee final score. 50% of your referee score will be added to your final points. \ \ E.g. User A referred User B. User A earned 100 points at the end of event, User B earned 200 points. \ \ User A final points will be 100 (self) + 100 (referees) = 200 points.\ \ **Your final airdrop allocation will be based on your final points / total points in across all participants. Bonus points will be calculated only at the end of event.**
# \[CONCLUDED] Stage 2: Token Pre-sale ## \[CONCLUDED] Stage 2: Token Pre-sale ### 1. Overview The public token pre-sale will start on June 5th, 2024, at 4pm UTC. The pre-sale will take place in rounds, with a target raise of \~$950,000. Each round will be capped, to allow different groups to participate in the pre-sale. Details and timings of rounds will be announced as we get closer to the pre-sale date. A total of 1,250,000,000 tokens will be available for the public pre-sale. *** The pre-sale will end when all allocated tokens are sold or when the timer has expired. Pre-salers will be vested to avoid an immediate crash in price and will be eligible to claim 10% of tokens at TGE, 1 month cliff and vested for 6 months. The minimum amount purchased will be announced as we get closer to pre-sale date. There is a limit of 0.25% user wallet. The pre-sale token along with airdrop allocation will then be claimed by users through a dedicated VaultFi portal. Note on Previous Drafts \ Earlier drafts of this document described the pre-sale price as a 1.2x difference from the planned initial listing price. To avoid any misunderstanding, this language has been updated for clarity. The pre-sale price was $0.0008 per token, and the planned initial listing price was $0.001 per token. Actual market prices at launch and thereafter will be determined entirely by supply, demand, and other market forces, and may be higher or lower than the planned listing price. *** ### 2. Pre-sale Benefits and Referral Program There is potential to get up to 5% bonus tokens through the referral program. By sharing and referring other members during the pre-sale, pre-sale buyers receive a bonus of up to 5% of bonus tokens. *** ### 3. Pre-sale Proceeds Pre-sale proceeds will go to liquidity, paying for past and future development work as well as marketing, building & executing our roadmap. Remaining funds will be kept in the Treasury. This means that from Day 1, VaultFi aims to have enough funds to: * Reward the community. * Engage in marketing activities to boost visibility. * Immediately start executing the roadmap. Note: Earlier versions of this document mentioned an estimated allocation of approximately \~$500,000 to liquidity. Following a security incident involving an internal provider in May 2024, the actual liquidity allocation at TGE was adjusted to $200,000 in order to preserve treasury funds. A police report regarding the incident was filed in Singapore on June 13, 2024, and documentation remains on file. # \[CONCLUDED] Stage 3: Token launch ## Stage 3: Token launch The launch of $VFI signifies the beginning of the VaultFi ecosystem. ### Token Distribution (Airdrop + Pre-sale) Tokens will be airdropped to all airdrop winners and pre-sale buyers. Pre-sale buyers will also be vested on streamflow. ### Token Trading Go-Live Token will start trading on Raydium on 9th July 2025, 3pm UTC. VaultFi platform link will also be announced together with TGE. For information on CA, please refer to our official links. # Token Information ## Token information Name: VaultFi (Vault Finance) Symbol: VFI Chain: Solana # Team ## Incubated by CoinRock Ventures VaultFi is a DeFi project incubated by CoinRock Ventures, a global Web3 venture fund specializing in the development of high-impact blockchain applications. As the incubator behind the project, CoinRock Ventures and its network of partners provide strategic direction, tokenomics design, product oversight, and ecosystem support. The incubator fund works closely with the core development team to ensure long-term alignment between protocol performance, user incentives, and sustainable ecosystem growth. Cipher Nova, Business Development Lead\ Global Markets Expansion ------------------------ Cipher Nova stands out as a distinguished and seasoned expert in digital marketing and business development. With a rich career spanning a decade, he has made significant contributions at industry giants like Meta and Microsoft, as well as providing consulting services to a host of publicly-listed corporations and leading enterprises. At the forefront of thought leadership, Cipher Nova has been instrumental in guiding strategies across various platforms, notably Meta's suite of apps and the burgeoning Metaverse. In his role, he skillfully crafts 'Go-to-market' strategies, integrating market intelligence with content creation, significantly influencing global market expansion and shaping business engagement with discovery commerce platforms. # Conclusion VaultFi is a decentralized finance protocol designed to set a new benchmark in the evolving DeFi 3.0 landscape. At the core of VaultFi's architecture is a multi-phase strategy engineered to support sustainable, protocol-driven APY. This is achieved through the implementation of a structured “Multi-Vault” framework and a staged rollout of smart treasury mechanisms. ### The VaultFi roadmap unfolds across three defined phases: 1. The journey begins with a foundational phase centered on a tax revenue system, which feeds the protocol treasury. This phase is designed to create a stabilizing mechanism for yield, minimizing volatility and avoiding the feedback loops that triggered collapse in many prior DeFi models. 2. In Phase 2, VaultFi expands its ecosystem reach by integrating strategically aligned Web3 initiatives, including projects incubated by CoinRock and select external collaborations. These integrations contribute to ecosystem-wide diversification and support treasury growth through dynamic yield exposure, while remaining fully managed within the protocol's structure. 3. In the final phase, VaultFi introduces its Multi-Vault structure: a system of distinct vaults, each with unique allocation strategies and assets. This phase initiates a progressive transition toward decentralized governance, with a DAO enabling community stakeholders to participate in key protocol decisions. VaultFi is a deliberate, structured ecosystem designed for steady expansion: phase by phase, vault by vault. Built around protocol-level mechanics and modular architecture, the VaultFi ecosystem is designed to grow through responsible progression, ecosystem-aligned integrations, and decentralized governance. Our focus remains on utility, adaptability, and transparency as the foundation for long-term ecosystem resilience. *Note: VaultFi does not offer financial products, profit guarantees, or direct exposure to external business revenues. All APYs are protocol-based and subject to change. Participation is at your own risk.*