Just Mining | Investment Experts in the Blockchain Space

Lending Stablecoins

Lockup time 24 Hours

Lending ETH

Lockup time 24 Hours

Lending Stablecoins

Available for deposit & withdrawal

Lockup time 24 Hours

4,60 %* APY

Diversification of protocols, compounders and CeFi platforms

Currently, Just Mining offers distribution on the following protocols, DeFi (decentralized finance) compounders and CeFi (centralized finance) platforms, in accordance with our terms and conditions:

• DeFi Protocols: AAVE, AAVE AMM, Compound, Curve, PancakeSwap, SushiSwap
• Compounders (DeFi): Convex, StakeDAO
• CeFi platforms: Binance, Nexo, Woorton

Just Mining will not place more than 30% of Crypto Assets on any single DeFi/compounder protocol in an effort to mitigate counterparty risk. In addition, exposure to CeFi platforms as a whole is limited to 40%.

Maximum exposure to a stablecoin

The notion of maximum exposure to a stablecoin is a factor determined by projecting oneself into a scenario in which all liquidity pools containing that stablecoin would be completely out of balance, as well as all funds deposited on CeFi platforms (whose actual distribution we do not know). This is the maximum possible exposure to each stablecoin, taking into account the distribution of protocols, compounders and CeFi platforms at the time of the calculation.

Current service diversification

The diversification presented above has only an indicative value and is not contractual. It results from the actions to be carried out by our teams in order to execute, on the protocols, the instructions you give to Just Mining.

You can find more explanations on these terms in our FAQ DeFi

Lending ETH

Available for deposit & withdrawal

Lockup time 24 Hours

3,82 %* APY

Diversification of protocols, compounders and CeFi platforms

Currently, Just Mining offers distribution on the following protocols, DeFi (decentralized finance) compounders and CeFi (centralized finance) platforms, in accordance with our terms and conditions:

• DeFi Protocols: AAVE, AAVE AMM, Compound, Curve
• Compounders (DeFi): Convex, StakeDAO
• CeFi platforms: Binance, Nexo, Woorton

Just Mining will not place more than 40% of Cryptoassets on a single DeFi/compounder protocol in an effort to mitigate counterparty risk. In addition, exposure to CeFi platforms as a whole is limited to 40%.

Maximum exposure to a stablecoin

The diversification of the counterparties used also involves a conversion of the subscription crypto-asset into one or more of the following crypto-assets ETH (Ether), sETH (Synthetix ETH), stETH (Liquid Staking Lido), WETH (Wrapped Ether).

In the case of using CeFi platforms, as the actual distribution of the deposited crypto asset is not communicated by them, we can only assume that this crypto asset is not converted by the platform in question.

Whether you subscribe in fiat or ETH (investment or deposit), your capital is distributed among several of these crypto-assets (note: diversification is not necessarily done on all crypto-assets at all times).

Current service diversification

How does Just-Mining's lending service work?

When you subscribe to Just Mining's Lending you instruct Just Mining to place your crypto assets on protocols (DeFI), compounders (DeFi) and CeFi platforms listed in the Terms and Conditions.

The selection made by Just-Mining is designed on a risk-based approach and not on a return-based approach. Thus, we do not seek to maintain a fixed performance, we rather seek to maintain a coherent balance between exposure and risk.

Returns are achieved by combining different opportunities, notably through lending-borrowing and liquidity providing/yield farming activities on decentralized finance (DeFi) as well as the use of centralized platforms (CeFi).

What is a stablecoin?

The term stablecoin refers to a crypto asset issued on the blockchain, whether by a regulated entity, a decentralized autonomous organization (DAO) or a decentralized finance protocol (DeFi). Their value is most often backed by a fiat currency such as the dollar or the euro. In some cases, they may be more tangible assets of traditional finance such as gold, for example.

The parity between the stablecoin and its underlying can be maintained through various mechanisms (collateralization, algorithm ...).

What is the Peg?

Peg represents the parity established between an asset and its underlying. Notably in the cases of stablecoins backed by the US dollar, it is accepted that one token is equivalent to one dollar.

By extension, the loss of parity that an asset may suffer in relation to its underlying is called de-peg.

What is the difference between APR and APY?

The APR (Annual Percentage Rate) is the annualized gross interest rate.

The APY (Annual Percentage Yield) is the annualized gross interest rate, adding back compound interest. You can activate compound interest from your lending contract.

What is a liquidity pool?

A liquidity pool is a reserve of liquidity locked in a smart contract and available to users and protocols of decentralized finance.

These liquidity pools allow, in particular, to ensure exchange, loan and borrowing operations of the funds available on them, at any time and without a trusted third party. They are the central element of the DeFi ecosystem.

Anyone who can contribute liquidity to a pool. He receives in exchange an LP tokens that represents the asset(s) deposited in this pool.

What are the risks associated with the Lending service?

The main risks to which this service is exposed are the following (non-exhaustive list):

• Counterparty risk related to the failure of DeFi protocols and compounders (decentralized finance) and CeFi platforms (centralized finance).
• Risk related to the use of one of the blockchains
• Risk of volatility of the crypto assets contained in the diversification of the service
• Risk of loss of parity (de-peg) of the cryptoactives contained in the diversification of the service
• Risk related to the liquidity of the cryptoactives
• Risk of loss of funds (including hacking)
• Risk related to the economic and financial environment

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