FAQ

Napcat is a Mobile First solution that automates non-custodial operations in the decentralized finance (DeFi) market, offering security, simplicity, and profitability. Our initial product, called Digital Dollar Vault (CDD), focuses on a “fixed-income” strategy with exposure to the digital dollar, ensuring capital protection and returns that outperform traditional markets. With immediate liquidity and full control over your assets, any investor can maximize their gains efficiently and securely without needing advanced knowledge.

Napcat operates as a Decentralized Investment Vault, where each customer has their own vault secured by blockchain technology. In the Protected Income strategy, the invested capital is automatically allocated in DeFi protocols, focusing on lending operations. The deposited amount is converted to digital dollars and used to provide liquidity in decentralized protocols. In return, you receive interest on these loans. The entire process is automated and executed by smart contracts, eliminating counterparty risk. Additionally, the returns are automatically compounded to maximize your gains.

You can use Napcat to protect and grow your resources securely. After creating your account with a simple registration, you will automatically receive a Smart Wallet and can transfer your funds via PIX, credit card, or cryptocurrencies. Your capital will be converted to digital dollars and invested in DeFi protocols that offer the best return rates, maximizing your gains.

You can deposit via PIX or by transferring cryptocurrencies like USDC on the Solana Network. The transferred amount is automatically converted to digital dollars, and Napcat allocates your capital in the best available lending protocols, ensuring the highest possible profitability.

Self-custody means that you have full and exclusive control over your assets. In Napcat, this is guaranteed through a Smart Wallet, where you are the only one who has access to your funds. Neither Napcat nor any third parties can move or access your assets. All operations are performed through smart contracts, and you maintain possession of the access keys, ensuring complete autonomy and security.

Withdrawals can be made at any time, with immediate liquidity. The amount will be converted back to Brazilian reais and transferred to the bank account of your choice, all with the same simplicity as a PIX.

In Napcat, your capital is converted into digital dollars and invested in DeFi protocols through our Decentralized Investment Vault, which acts as an investment vehicle. In our initial product, Protected Income, we use lending protocols, where your money is loaned to borrowers, and you earn interest in return. Napcat optimizes this allocation, always seeking the protocol that offers the highest return rate available.

Decentralized Investment Vaults are pools of digital assets automatically managed by blockchain technology. They work as digital vaults, where your resources are allocated in optimized strategies in DeFi. In Napcat, these vaults ensure that your capital is always invested in the best protocols, maximizing your returns securely.

• Balanced Income: Balances risk and return, using volatile tokens protected against price fluctuations.
• Dynamic Income: Aims for higher returns, leveraging volatile tokens to maximize gains, assuming higher market risk. Stay tuned for updates on the launch of these strategies.

You can track the performance of your investments directly on the app dashboard, with access to performance charts, transaction history, and real-time balance updates, ensuring full transparency.

A Smart Wallet is a crypto wallet managed by smart contracts, ensuring that only you have full control over your funds. It automates investments in Napcat, offering security and full control.

With Napcat, you are the only one with the keys to your Smart Wallet. The access keys are linked to your registration method, such as your email. This means that no one, not even Napcat, can access or control your funds. Self-custody is guaranteed by blockchain technology.

For the Digital Dollar Vault, Napcat uses a selection of DeFi protocols that offer consistent security and profitability. These protocols are chosen for their ability to provide liquidity efficiently and securely, allowing your capital to be loaned at competitive rates. Our technology automates the allocation across these protocols, ensuring your investment is always placed in the best available opportunities, maximizing returns while minimizing risks.

Napcat operates on the Solana blockchain, known for its high speed and low transaction fees. Solana’s efficiency allows Napcat to provide a cost-effective user experience while ensuring the security and decentralization offered by blockchain technology.

Lending in DeFi is automated through smart contracts on decentralized platforms. When you deposit your capital, it is offered as liquidity to borrowers in these protocols. In exchange, borrowers provide collateral in crypto assets worth more than the loan, reducing the risk of default. Smart contracts ensure that if the borrower fails to repay, the collateral is automatically liquidated to cover the loan.

Your Smart Wallet is linked to your email, eliminating the need to manage private keys. We offer security similar to email protection, allowing you to maintain full self-custody of your assets.

Yes, if you are on the Solana blockchain, using Metamask or any other compatible wallet, you can transfer your assets (USDC and USDT) directly to your wallet in Napcat.

Unlike banks in the centralized market, Napcat shares 80% of the profits obtained in DeFi operations. Thus, the customer only incurs a 20% performance fee on the profits earned, with no additional entry or exit costs. The fee is charged only on returns, with no other fees.

In addition to the performance fee, there are transaction costs (Gas Fees) paid on the blockchain to process operations. On Solana, these costs are minimal, making transactions fast and efficient.

A Gas Fee is the cost required to perform transactions on the blockchain, such as sending cryptocurrencies or interacting with smart contracts. In Napcat, these fees are minimal due to the efficiency of the Solana blockchain.

The operation is guaranteed by smart contracts, which are executed directly on the blockchain without the need for intermediaries. Additionally, the borrower must provide collateral in crypto assets, ensuring liquidity for the operation. If the borrower defaults, the smart contract will automatically liquidate the collateral to cover the loan, minimizing counterparty risk.