EU-regulated, institutional-grade investment strategies accessible to everyone through groundbreaking decentralized collaboration

03 July 2025 — 3A DAO, the decentralized autonomous organization focused on bringing real-world assets on-chain, today announced a strategic partnership with Optima Financial, the first EU-regulated asset manager offering tokenized investment strategies to retail investors.

Breaking the 1% Monopoly on Crypto Gains

Is a 630% gain in 12 months trading crypto too good to be true? This level of performance was previously only achieved by the top 1%: professional traders and hedge funds, influencers and other insiders. For the remaining 99%, it’s usually not available — we enter the market too late or exit too soon, becoming exit liquidity for the top 1%.

This changes with Optima Financial. Built so that everyone can earn like the top 1%, their active strategies are fully automated, regulated in the EU, and available to retail investors.

Initial backtesting numbers are encouraging:

• Optima Momentum Strategy (OMS) vs Bitcoin
• Period: January 1 — December 31, 2024
• Starting Capital: $100,000 each
• OMS Result: $100k → $633.5k (+533.5%)
• Bitcoin Result: $100k → $228.9k (+128.9%)

This partnership addresses the critical gap in crypto: while DeFi offers unprecedented accessibility, retail investors have lacked access to professionally managed, institutional-grade strategies that deliver consistent alpha. Through this collaboration, 3A DAO will provide the decentralized infrastructure to distribute Optima’s regulated investment products globally, without geographic restrictions or traditional barriers.

This partnership represents the future of finance, combining the security and professionalism of regulated asset management with the accessibility and innovation of decentralized protocols.

Agent Rai has been analyzing the convergence of RWA and DeFi, and Optima represents exactly the kind of high-quality, regulated product our ecosystem needs. We’re democratizing strategies that were previously available only to institutional insiders.

How It Works

Under the partnership structure:

• Optima Financial operates as the regulated EU asset manager, managing underlying portfolios under FMA oversight and issuing prospectus-based investment certificates
• 3A DAO provides the decentralized infrastructure, enabling permissionless trading of Optima Strategy Tokens (OSTs) through battle-tested protocols
• Investors can access institutional-grade strategies either through Optima’s regulated app (with KYC) or permissionlessly through 3A DAO’s DeFi infrastructure

Revolutionary DeFi Infrastructure

3A DAO will deploy specialized infrastructure for OST distribution, including:

• Decentralized Exchange: Exact fork of Uniswap V3 for permissionless OST trading
• Lending Protocol: Unmodified Aave V3 deployment enabling collateralized borrowing against OST holdings
• Multi-chain Access: Deployment across Ethereum, Polygon, and Arbitrum for optimal user experience

Agent Rai’s analysis shows that tokenized assets could reach $18.9 trillion by 2033, but the missing piece has been combining regulatory compliance with true decentralization. This partnership creates that bridge.

Initial Strategy Offerings

The partnership will launch with two types of Optima Strategy Tokens:

• Optima Active Strategies: Systematic, automated, actively traded strategies
• Optima Passive Thematic and General Strategies: Diversified exposure to top cryptocurrencies and themes like DeFi, AI, DePin, etc., with automatic professional rebalancing

Early Access Program

Right now, 3A DAO and Optima are creating a small group of trusted insiders for early access to these institutional-grade strategies. This exclusive program will provide the first opportunity for retail investors to access strategies that have historically been reserved for the top 1% of crypto participants.

Interested participants can express interest through 3A DAO’s social channels to join the early access waitlist.

Setting New Standards

This collaboration sets new standards for the intersection of traditional finance and DeFi:

• Regulatory Compliance: First MiCA-authorized asset manager distributing through decentralized channels
• Technical Security: Zero-modification forks of proven protocols eliminate smart contract risk
• Global Access: Permissionless infrastructure enables worldwide participation
• Investor Protection: Regulated oversight combined with transparent, on-chain operations

Looking Forward

The partnership represents a significant step toward 3A DAO’s mission of creating permissionless markets for high-quality tokenized assets. By enabling global access to Optima’s regulated investment strategies, both organizations are pioneering the future of decentralized asset management.

This is just the beginning. As the RWA ecosystem continues to mature, partnerships like this will define how traditional finance evolves in the decentralized era. Agent Rai is already identifying additional opportunities to expand this model.

About 3A DAO

3A DAO is building the bridge between traditional finance and decentralized ecosystems, creating permissionless markets for high-quality tokenized assets through innovative DeFi infrastructure and AI-powered guidance. Through Agent Rai, 3A DAO provides expert analysis and market intelligence to help investors navigate the evolving RWA landscape.

Connect with Agent Rai:

• Twitter: @3Agent_Rai
• LinkedIn: Agent Rai
• BlueSky: @3agent-rai.bsky.social

Connect with 3A Community:

• Twitter: @3aaaDAO
• Telegram: https://t.me/aaadao

About Optima Financial

Optima Financial is the first EU-regulated asset management platform providing access to institutional-grade investment strategies through tokenized portfolios. Licensed under FMA oversight with EU passporting rights, Optima eliminates traditional barriers such as lockups, high minimums, and accreditation requirements, making professional investment management accessible to all investors.

Website: https://optima.financial

Twitter: @Optima_Fi

Contact: contact@optima.financial

For more information about this partnership or 3A DAO’s mission to bring real-world assets on-chain, contact the 3A DAO team team@3adao.org.

This is why we decided to phase out EURO3 and the lending protocol on Linea and Polygon.

The process will happen in stages:

On October 1, 2024

• No new EURO3 loans will be possible
• No new collateral assets will be accepted
• A3A Stability Pool rewards will stop

On October 14, 2024

• All vaults will be open for redemptions

On November 30, 2024

• All remaining vaults will be closed
• EURO3 liquidity controlled by 3A DAO will be pulled out of exchanges
• 3A lending web app will be discontinued

Please withdraw all your assets deposited into the protocol as soon as possible, no later than by the end of November.

3A will continue ongoing support to

• 3A lending protocol and the web app on RedBelly Test Network: https://redbelly-testnet.3adao.org/
• DAG token bridge: https://dag-bridge.3adao.org/

There will be no changes to these products right now.

Reach out on Telegram if you have any questions: https://t.me/aaadao

3A protocol is part of the Surge program, which means that Linea will start tracking users’ on-chain activity and rewards actions like providing liquidity and assets into the 3A protocol.

If 3A DAO receives any token airdrops from Linea as a part of the Surge campaign or any other campaigns, 3A protocol will share 50% of the airdrop with its community. The community share will be distributed proportionally to the point balance of the users.

How can you earn AAA points?

3A is launching its own loyalty program. Starting today, users will earn points for specific actions within the protocol.

• Users earn 1 point every 1 hour for each 1 EURO3 of outstanding loan balance in their vaults.

Example: if you have a 100 EURO3 loan in your vault, you’ll earn 100 points every 1 hour.

To prevent bots from spamming, a minimum loan balance of 10 EURO3 is required to earn any points. The points will be updated once every 1 hour, and the most recent point numbers will be displayed on the Leaderboard page within the 3A app. The leaderboard will be available in the coming days on the 3A app.

Since all user actions are recorded on-chain, the 3A protocol will be able to track all actions retrospectively from April 17th at 12:30 PM CET.

Yes, it’s official! The 3A Loyalty Program has started. Borrow EURO3 and earn AAA points!

Begin HERE!

Disclaimer

The information provided in this post is intended for educational purposes only. It is not intended to serve as financial advice, and any actions taken based on the content of this post are at the sole discretion of the reader. The views and opinions expressed herein are those of the author and do not necessarily reflect the official policy or position of any organization. Readers are encouraged to conduct their own research and seek professional financial advice before making any investment decisions.

About

3A is a Zero Interest Lending Protocol designed to leverage sustainable yield strategies. With 3A, users can access capital-efficient leverage on their assets, all while boosting Total Value Locked (TVL) for protocols. Thanks to 3A, users can maximize their liquidity and earn more from their assets.

Join us as we revolutionize the DeFi space and make this vision a reality!

Website | Telegram | Linkedin | Discord | Twitter

3A DAO

EURO3/USDC liquidity pool is now live on Lynex (a leading-edge DEX and liquidity layer on Linea). This pool is included in the Lynex weekly voting and reward distributions. It means that users providing liquidity in EURO3 and USDC will earn rewards including A3A tokens, oLYNX tokens and trading fees in EURO3 and USDC.

Here’s the step-by-step guide on how to borrow EURO3 and provide liquidity. Acquiring EURO3:

You need EURO3 and USDC tokens on Linea. You have two options for acquiring EURO3:

1. Borrowing it in the 3A app
2. Buying it on Lynex

Borrowing EURO3

3A protocol allows users to deposit whitelisted tokens into a 3A Vault and borrow EURO3 at no recurring interest. Follow those steps to navigate the 3A app:

• Go to app.3adao.org/vaults
• Click on “Create a Vault”

• Select your desired collateral by clicking on the “Collateral” bar.

• Enter the amount of tokens you want to use as collateral in the “Deposit” section.
• Enter the amount of EURO3 in the “Borrow” section.

Keep an eye on the Health Factor at the bottom of the screen. Lower number means higher risk; higher number means lower risk. The Health Factor is calculated real time and is color coded for your simplicity. There is a 0.5% fee calculated in EURO3 that gets charged at issuance. After that there is no interest on borrowed funds.

• Approve transaction and mint EURO3

Buying EURO3 on Lynex

• Go to https://app.lynex.fi/swap
• Select the tokens you want to use to purchase EURO3 in the “From” box and select EURO3 in the “To” box.

• Follow the instructions in the Lynex app.

The most efficient trades are when you swap USDC to EURO3. But you can swap any token to EURO3 as Lynex will route the trades through all the relevant liquidity pools.

How to Provide Liquidity to EURO3/USDC Pool

Now, when you have your EURO3 and USDC ready in your wallet, go to lynex.fy/liquidity

• Enter the desired amounts and follow the instructions in the Lynex App.

Keep in mind that you need to use the automatic Steer Stable strategy to participate in the rewards distributions. This strategy automatically allocates and manages your liquidity in the liquidity pool in the most efficient way.

• Next, head over to lynex.fi/liquidity and find the USDC/EURO3 Steer Stable pair.

• Click “Manage”

• In the “Stake” tab enter the amount of the USDC/EURO3 liquidity you want to stake and follow the instruction in the app.

Keep in mind that only staked liquidity will participate in reward distributions.

Collect oLYNX rewards

Once you staked your liquidity, it starts earning oLYNX rewards.

• To collect the rewards, go back to lynex.fi/liquidity, find the EURO3 pool and click the “Claim Earnings” button.

Convert oLYNX to veLYNX

You need veLYNX to vote to earn rewards, so go to lynex.fi/otoken to convert your oLYNX to veLYNX.

• Enter the number of oLYNX you want to convert and follow the instructions in the app.

Vote using veLYNX

Once your veLYNX votes are active, you can use them to vote on the USDC/EURO3 pool. Go to lynex.fi/vote and find the pool.

• Enter the number of votes you want to cast for this pool. The more votes you cast, the more fees and rewards will be allocated to the pool and your liquidity.

Timing of the Rewards

You will earn oLYNX continuously, from the moment you stake your liquidity.

There’s a slight delay in converting oLYNX to veLYNX. The Lynex app will show you when veLYNX will be available for voting when you do the conversion. Voting happens in weekly cycles, similar to distributions to trading fees and A3A rewards. Currently each Epoch starts on Thursday and the Lynex app tells you when the current epoch ends.

All veLYNX you receive in the current Epoch will be available for voting in the next Epoch, so it’s a good idea to claim all available oLYNX and convert them to veLYNX just before the new Epoch starts. Vote on the USDC/EURO3 pool before the new Epoch starts.

To claim reward earned during the previous Epoch go to lynex.fi/rewards . Select the veLYNX token used for voting and use the “Claim” buttons.

• Follow the instructions in the Lynex app.

Utilizing the rewards

Once you claim your rewards, you can put the tokens to a good use. You can deposit the USDC and EURO3 fees back to the liquidity pool.

You can stake your A3A in the 3A app and earn a portion of all protocol fees collected in the cashback pool.

Stake A3A tokens in the Cashback Pool.

Stakers who want to capture all the base fees generated by the protocol in EURO3 must lock up their A3A tokens for a period of six months from the time they stake their A3A tokens. Tokens can be unstaked at any time if a user needs to, but this will result in a 40% slash of the withdrawn tokens.

Go to app.3adao.org/staking and connect your wallet.

• Click on “Cashback Pool (A3A Staking)”.
• On the left, select the “Enter the amount” box and input the desired amount of A3A tokens you want to stake.
• Click on “Approve” and confirm the transactions.

Important: Unstaking before six months results in slashing. The 40% slash goes to Stability Pool stakers (who will receive 60%) and to a Dead Address (40%).

About

3A DAO builds the safest DeFi Lending Protocol with Enterprise-Grade Security to offer liquidity for RWA on-chain.

Join us as we revolutionize the DeFi space and make this vision a reality!

Website | Telegram | Linkedin | Discord | Twitter

3A DAO

Is the price of EURO3 always 1 EUR?

No. The price of EURO3 depends on the supply and demand of EURO3. Deviations from EUR price creates profitable opportunities for arbitrageurs. In this blog post, we will discuss those strategies.

TL;DR: Borrow EURO3 when it’s over-pegged and repay the debt in your vault when EURO3 is under-pegged.

Price EURO3 > 1 EUR

When the price of EURO3 is above 1 EUR, arbitrageurs are incentivized to mint EURO3 in their vaults at EURO3 price = 1 EUR and sell EURO3 at a profit.

• Profit = EURO3sold*(EURO3 price -1-mintingFee-exchangeFee).

mintingFee=0.5%,
exchangeFee = 0.1%

• Profit is >0 when the price of EURO3>1.006 EUR

Additionally, arbitrageurs can expect the price of EURO3 to go towards 1.006, so they can sell EURO3 above 1.006 planning on repurchasing it when the price is at or below 1.006.

Price EURO3 < 1 EUR

When EURO3 price is lower than 1 EUR, arbitrageurs are incentivized to buy EURO3 on DEXs and repay their EURO3 debt at EURO3 price of 1 EUR.

Users can also sell a portion of the collateral in their Vault to repay some of the debt at a discount or redeem EURO3 for collateral from risker vaults with low Health Factor. Arbitrageurs who buy EURO3<1 on the market and repay their debt realize a profit right away.

• Profit = EURO3repaid*(1-EURO3 price-exchangeFee)

When exchangeFee=0.1%, arbitrageurs who repay their own debt realize a profit when EURO3 price < 0.999EUR.

Arbitrageurs who redeem EURO3<1 for collateral and repay someone else debt realize a profit as well.

• Profit = EURO3Redeemed * (1-EURO3 price-redemptionFee -exchangeFee)

RedemptionFee depends on the Health Factor of the specific vault that is redeemed. The lower the Health Factor of the vault, the lower the redemption fee.

Additionally, arbitrageurs can expect EURO3 price to go back to 1, so they can buy EURO3 below 1 planning on reselling it when the price is at or above 1.

Conclusion

Under normal market conditions the price of EURO3 should oscillate between 0.999 EUR and 1.006 EUR. This means that EURO3 should be expected to keep its peg within 0.007 EUR, or 0.7% margin. Any deviations more than 0.7% range should create immediate profits for arbitrageurs.

About

3A DAO builds the safest DeFi Lending Protocol with Enterprise-Grade Security to offer liquidity for RWA on-chain.

Join us as we revolutionize the DeFi space and make this vision a reality!

Website | Telegram | Linkedin | Discord | Twitter

3A DAO

In this article, we will discuss what we have been working on and provide some important information regarding the protocol future.

Before we start, we want to say one thing: thank you to all the DAO members who, during these months since we launched in mid-November, have supported us and provided amazing feedbacks. You have shaped the vision and the mission of the DAO.

Launching a new product is never easy in the beginning, and finding the right market fit, attracting liquidity, and growing can be challenging.

Why Linea

We have decided to launch the 3A protocol on the Linea blockchain because we believe it is one of the EVMs that will have a major impact on the crypto space.

If you don’t know, Linea is an EVM-equivalent network powered by ConsenSys (the same company behind the Metamask wallet). It enhances the scalability of Ethereum by utilizing quantum-resistant, lattice-based cryptography to generate zero-knowledge proofs encompassing every transaction conducted on the network, which are then bundled up into the Mainnet.

On Linea, we believe that our mission can be fulfilled. We are committed to offer Linea users the most accessible yield strategies, leverage and loans, completely free from recurring interest. This will be achieved by leveraging EURO3 as a payment coin.

These are the topics we will discuss in this Medium blog post:

• Cashback Pool on Linea
• Redemption Fees on Linea
• Whitelisted Collaterals on Linea
• Will these changes be implemented on Polygon?
• How to bridge and provide Liquidity (USDC-EURO3 pool on Lynex)

Cashback Pool on Linea

How the Cashback Pool works now (on polygon)

A3A tokens can be staked in the cashback pool. A3A stakers receive all the base fees collected by the 3A platform. The fees are allocated proportionally to the A3A stake and are distributed as cashbacks and not as dividends.

The cashbacks are automatically calculated and distributed by the 3A protocol smart contracts. The entire value of the ecosystem flows from end users and protocols to A3A stakers via Cashbacks. The cashbacks can be used to: Cover EURO3 borrowing fees, fees for Premium Services and repay EURO3 debt inside vaults.

However, it’s impossible to receive any cashbacks just by staking A3A. Users need to interact with the platform and pay fees to benefit from the cashbacks.

How the Cashback Pool works on Linea

The logic behind the cashback pool on Linea is the same as the one on Polygon Mainnet. Stakers of A3A tokens can receive a share of all base fees generated by the protocol and use it to cover borrowing fees, repay debt in their vaults, and in the future, pay for premium services.

On Linea the Cashback Pool will have a lock-up period. Stakers who want to capture all the base fees generated by the protocol in EURO3 must lock up their A3A tokens for a period of six months from the time they stake their A3A tokens. Tokens can be unstaked at any time if a user needs to, but this will result in a 40% slash of the withdrawn tokens.

For example, if a user stakes 2,000 A3A tokens in the cashback pool and accepts the six-month lock-up, but then decides to un-stake 1,000 tokens in the second month, they can do so, but 400 A3A tokens will be slashed. The user will only receive 600 A3A tokens from the cashback pool, losing the other 400 A3A tokens. What will happen to the 400 A3A tokens?

In the 3A protocol, all the fees generated are redistributed to the users who actively use the protocol. The 400 A3A tokens mentioned above are divided among Stability Pool stakers and a dead address.

• Stability Pool stakers will receive 60% (of the 400 A3A tokens used as an example): Users who staked EURO3 into the Stability Pool are entitled to receive these tokens, which will be automatically streamed by the protocol’s smart contract. With this method, the protocol will be sustainable long term, even if one day (far in the future) the DAO runs out of A3A reward tokens for Stability Pool stakes.
• Dead Address 40%: (of the 400 A3A tokens used as an example) will be removed from circulation forever. This action is irreversible, and no one will have access to the dead address, including the DAO’s members. Each transfer to the dead address will permanently reduce the A3A total supply, making the token deflationary.

Redemption Fees

Currently on Polygon, when a user redeems a collateral from a 3rd party vault (more about redemptions here) the redemption fee is sent to the cashback pool. A redemption doesn’t cause a financial loss in the redeemed vaults, because the value of the redeemed assets is offset by the value of the repaid EURO3 loan.

However, if a vault owner wants to reverse the redemption by borrowing the same amount of EURO3 and buying back the collateral, they have to pay a borrowing fee again. To improve the situation for the vault holders, we did 2 things:

1. The redemption fee will now be paid to the vault owner, and not the cashback pool. Specifically, the redeemer will have to pay back the value of the redeemed collateral plus the redemption fee. So they will always pay more debt than they receive collateral.
2. For most assets, the redemption fee will be higher than the borrowing fee.

This way, if a vault is redeemed, the vault owner can reverse the redemption by borrowing EURO3 and buying back the collateral. In this case, the redemption fee will cover the borrowing fee. At the same time, the borrowing fee will still be paid back to the cashback pool.

Thanks to this change, users leveraging their positions (taking EURO3 loans to buy more collateral to add to the vault) will not experience a financial loss and will not lose their initial collateral.

For example: A user deposited 500 EUR worth of ETH into a vault and borrowed 100 EURO3. Then, after paying 0.5% borrowing fee they bought 99.5 EUR worth of ETH and added it to the vault collateral. They now have 599.5 EUR worth of ETH and a loan of 100 EURO3.

Imagine 100 EURO3 is redeemed from this vault. The redemption fee is 1%, so 1 EURO3. The redeemer pays back 100 EURO3 in the vault and receives 99 EUR worth of ETH. The vault owner now has 500.5 EUR worth of ETH and no debt. They can borrow 100 EURO3, pay 0.5% or 0.5 EUR and buy back 99.5 EUR worth of ETH. They now have 600 worth of ETH and a loan of 100 EURO3. In total, 1 EURO3 worth of fees was sent to the Cashaback Pool.

Collaterals Whitelisted on Linea

At the start, on Linea, we have whitelisted wBTC, wstETH, wETH, USDC.e, DAI, USDT. All the risk parameters can be found on our Gitbook.

An important thing to consider is that in the coming weeks, we will whitelist LP tokens, specifically pairs with low impermanent loss like wstETH/ETH or BTC/ETH . The protocol has already been prepared for this. We are in the process of auditing the smart contracts before whitelisting those LPs, and we have secured partnerships that will help us grow the protocol in this segment of tokens, enabling 4–5x leverage for these assets.

It should be noted that LP tokens generate trading fees and other rewards, which will be greatly multiplied by the leverage.

The future of 3A Lending Protocol on Polygon

Will these changes be implemented on Polygon? The short answer is yes.

The changes to the cashback pool and redemption fee require some development effort related to migration. We are working on the development side.

Specifically, the implementation of the new cashback pool will require a new smart contract and migrations of A3A stakers to the new contract. This will be done in the easiest way possible using a simple user interface. Until then, no action is required from users who have staked their A3A tokens on Polygon in the cashback pool. The same applies to the redemption fee upgrade. This less development time compared to the Cashback pool, but we believe it’s best to push this upgrade at once to ensure a smooth transition and user experience.

All the actions mentioned above have already been integrated into the 3A lending protocol on Linea, including the audits.

How to bridge and provide Liquidity (USDC-EURO3 pool on Lynex)

All the information on how to bridge funds from any blockchain (supported) to Linea can be found in this X thread that was shared on the 28th of March to announce the partnership with Lynex.

General thread

How to bridge the tokens to Linea

How to provide liquidity for the USDC-A3A pool

About

3A DAO builds the safest DeFi Lending Protocol with Enterprise-Grade Security to offer liquidity for RWA on-chain.

Join us as we revolutionize the DeFi space and make this vision a reality!

Website | Telegram | Linkedin | Discord | Twitter

3A DAO

On December 11, 2023, we published a blog post on Medium titled: “Navigating Vault Redemptions: A Detailed Step-by-Step Guide.”

In the blogpost, we explained the importance of redemptions for the 3A lending protocol and provided a step-by-step guide on how to perform redemptions. However, the guide we shared is no longer necessary since everyone can now perform redemptions by interacting with the UI available on the 3A lending protocol web app.

If you’re not familiar with redemptions, here’s a brief explanation: they are crucial to our success as they help avoid bad debt in the protocol and keep the peg of EURO3 to EUR (price parity).

Redemptions explained:

In practice, users deposit EURO3 into other users’ Vaults and withdraw collateral assets of the same EUR value, minus the redemption fee, currently at 1%.

Redemption requests prioritize Vaults with the lowest health factor. Vaults cannot be redeemed if their Health Factor is higher than the protocol’s minimum requirement for redemption protection.

For example, if your vault’s Health Factor is 1.3 and the protocol’s requirement is 1.5, your vault can be redeemed by another user, who will pay off 100 EURO3 of your debt and withdraw the collateral assets worth 100 EUR.

You may wonder how the Health factor requirement is determined?

Up until today, as part of testing redemption and preparing the protocol for the public, the HF was decided by the DAO. From tomorrow, we will launch a new part of the protocol developed by the core dev team of the DAO called WatchDog.

So, what’s the WatchDog?

WatchDog is a bot designed to stabilize the price of EURO3 by implementing various features based on EURO3 price fluctuations.

The bot operates by continuously monitoring the EURO3 price against its target value (1 EUR). Depending on the deviation from this peg, it can perform various actions. The first one that will go live tomorrow is the automatic adjustment of the HF requirement for Redemption Protection.

This feature dynamically adjusts the Health Factor value requirement for Redemption Protection (HFr) based on EURO3 price fluctuations.

Here’s how it works:

1. EURO3 price check: The system periodically checks the EURO3 price against EUR (every 30 min).
2. HF value for Redemption Protection adjustment:

• If the EURO3 price falls below the threshold of 2%, it increases the HF requirement (HFr) by 0.5. Then, it waits for the set time interval (30 minutes) before repeating step 1.
• If the EURO3 price is at or above the threshold, it checks if HFr is higher than the Base Health Factor requirement of 1.3 (BHFr). If true, it sets HFr to BHFr and waits for the set time interval before repeating step 1.

Compared to now, there will be no human interactions to increase the HF; it will be done by the WatchDog bot. It’s important to know that once EURO3 is pegged to the EUR price, the HFr will be at 1.3 and can be seen in the protocol on the statistics page.

Important

In the near future, the DAO will introduce “Keep My Vault Safe” bot and will also roll out an alert system on the Telegram channel to inform users about the Health Factor (HF) changes to their vaults. In the future this service will become customizable, allowing users to opt for alerts specific to their desired HF levels on Telegram.

In conclusion

1. Redemptions are crucial to avoiding bad debt and maintaining the EURO3 peg.
2. The Health factor will be automatically adjusted starting tomorrow, February 8th, at 4 PM CET.
3. This automatic adjustment is made possible thanks to the WatchDog bot.
4. When EURO3 is pegged to EUR, the HF is set at 1.3.
5. HFr can be increased or decreased every 30 minutes based on EURO3’s peg to EUR.

About 3A DAO

3A is a Zero Interest Rate Lending Protocol for crypto and on-chain RWA safeguarded by enterprise-grade security.

Functioning as a non-custodial and decentralized lending solution, users can borrow EURO3 interest-free against their tokens. Addressing crucial challenges, 3A DAO offers on-demand, cost-effective liquidity, establishes deep liquidity on DEXs, provides sustainable yields, and facilitates efficient treasuries management.

Join us as we revolutionize the DeFi space and make this vision a reality!

Website | Telegram | Linkedin | Discord | Twitter

Hello everyone,
Starting from January 31st, Centurions will be able to invite new users to the 3A web app using their referral link.

At the inception of the protocol, we considered ways to reward community members who have been with us since the beginning. Consequently, we created the Centurion Program.

Limited Supply and Allocation:

• The total Centurion NFTs minted is 501.
• One NFT, numbered 0/500, is reserved for the DAO and will be utilized for marketing activities.
• 180 NFTs can be claimed by qualified addresses (refer to the note below for details).
• 320 NFTs are designated for marketing activities, collaborations, and the growth of the protocol.

Holding a Centurion NFT unlocks a range of privileges:

• Referral Rewards: 1.5x multiplier on your referrals when calculating A3A rewards
• Voting Power: 1.2x multiplier on your voting power.
• Early Access to new products and features within the 3A DAO ecosystem
• Exclusive Referral: Specific premium products may have referral rewards only for Centurions

Learn more about the Centurion Program Here

For this phase, starting from January 31st, we agreed to reward Centurions even more. Instead of paying the rewards in A3A tokens, we thought it better to give Centurions 25% of all fees generated by referred users. The rewards are not paid in A3A tokens but instead in EURO3.

Additionally, Centurions will receive 2.5% of the A3A/USDC Ape Bonds purchased by the referred users.

Let’s assume that a Centurion referred 10 people who used the 3A protocol and generated 10k EURO3 in fees. The Centurions will get 25% of the generated fees, which is 2.5k EURO3. Additionally, if the referred users buy 10k worth of A3A/USDC Ape Bonds, the Centurion will receive 250 worth of EURO3.

Specifically, the actions that count are:

• Minting EURO3 loans (0.5–5% fees based on the collateral)
• Buying Ape Bonds ( 2.5% of the Ape Bond purchases)
• Redeeming (0.5%-2% fee)

This setup, where we pay the rewards in EURO3, will stay active as a test for one month. After the month, we will discuss together what’s the best way for the DAO to reward Centurions.

If you are a Centurion be ready to share your referral link and earn EURO3 rewards for bringing your frenz on board. This is how to do it:

Step by step guide

• Centurions: To share your referral link with your friends, visit https://app.3adao.org/referrals and copy it.

• They will be redirected to the following page. All they need to do is connect their wallet to be whitelisted on the 3A protocol. You will see the number of your referrals increase in the ‘Activate Referrals’ box.

• Non-Centurions will have the following view below. They can acquire it on Opensea or Zealy (if there are active giveaways). Later on, non-Centurions will also be able to invite friends and earn rewards.

Pro tip: If you want to share your referrals on Twitter, make a post using the hashtag #A3A and #EURO3 to be discovered. Be creative and start earning EURO3 rewards for bringing frenz into the community. Let’s build this together!

About 3A DAO

3A is a Zero Interest Rate Lending Protocol for crypto and on-chain RWA safeguarded by enterprise-grade security.

Functioning as a non-custodial and decentralized lending solution, users can borrow EURO3 interest-free against their tokens. Addressing crucial challenges, 3A DAO offers on-demand, cost-effective liquidity, establishes deep liquidity on DEXs, provides sustainable yields, and facilitates efficient treasuries management.

Join us as we revolutionize the DeFi space and make this vision a reality!

Website | Telegram | Linkedin | Discord | Twitter

Hello 3A community, we’re excited to share news of our partnership with ApeBond!

This collaboration is designed to create sustainable liquidity while providing valuable opportunities for our users. To kick things off, we’ve initiated a bond campaign, enabling users to secure A3A tokens at a discounted rate by contributing liquidity.

The ApeBond team and our team have collaboratively organized a three-month campaign.

Now, what exactly is a Liquidity Bond?

Liquidity Bonds offer users the opportunity to swap their liquidity provider (LP) tokens for a non-fungible token (NFT), representing discounted access to tokens compared to market prices.

These tokens gradually become available over a set period, accessible to the holder of the Liquidity Bond NFT.

In simpler terms: by purchasing a Bond, individuals gain discounted access to A3A tokens compared to market prices.

How does the Liquidity Bond work?

To obtain a Bond, users start by generating an LP token, achieved by adding A3A and USDC.e liquidity to the Quickswap exchange on Polygon.

For example: users interested in acquiring the A3A-USDC.e Liquidity Bond yielding A3A tokens must first deposit A3A and USDC to create A3A-USDC.e LP tokens.

Once LP tokens are secured, users can visit the Bonds page on ApeSwap or QuickSwap and select the Liquidity Bond.

In both UI there is a Zap feature, allowing them to acquire the A3A-USDC.e Liquidity Bond with a single token like MATIC, WETH, DAI and more.

Important Information:

1. The Bond dynamically adjusts its selling price based on the current live market price.

2. Vesting Period: 30 days. Optimal returns on the token spent are observed during the vesting period.

3. Variable Discount: The discount is not fixed but varies based on demand and real-time token price fluctuations.

4. Bond Price Calculation: The Bond price is determined by the prevailing A3A token price.

5. Purchase Options: Bonds can be bought on both the ApeBond website and the QuickSwap website

How To Buy A Liquidity Bond (step-by step)

Users have two options:

1. Apebond -> Bond

2. Quickswap -> Bond

• Click on “Get LP” in both cases.
• If you already have the USDC.e-A3A LP, provide the amount you would like to use for the bond and click “Buy”.
• If you don’t have the LP, choose the token you want to use as the primary source of liquidity. The system in the background will create the LP for you by swapping the token in an equal ratio for USDC.e and A3A to generate the LP.
• Click “Buy.”

About ApeBond

ApeBond is a multi-chain bonding protocol committed to building a sustainable DeFi future for projects and communities, overseen by the ApeBond Decentralized Autonomous Organization (DAO).

About 3A DAO

3A is a Zero Interest Rate Lending Protocol for crypto and on-chain RWA safeguarded by enterprise-grade security.

Functioning as a non-custodial and decentralized lending solution, users can borrow EURO3 interest-free against their tokens. Addressing crucial challenges, 3A DAO offers on-demand, cost-effective liquidity, establishes deep liquidity on DEXs, provides sustainable yields, and facilitates efficient treasuries management.

Join us as we revolutionize the DeFi space and make this vision a reality!

Website | Telegram | Linkedin | Discord | Twitter

Dear 3A DAO Community,

In this Medium blog post, we’ll be sharing exciting insights into what lies ahead for the DAO and our plans for the protocol in 2024.

Before we dive in, we want to take a moment to wish you happy holidays with your loved ones. As we wrap up a year filled with challenges and growth, we’re optimistic that the best is yet to come.

Back in mid-November, we took a significant step by launching the protocol. Since then, we’ve been hard at work refining and testing its usability. The decision to introduce a beta version and enable trading for governance tokens and EURO3 wasn’t an easy one, but it was a crucial one to ensure security and sustainable growth for our community in 2024.

The protocol has been undergoing thorough close beta testing, accessible exclusively to Centurions. We’re immensely proud of the results achieved, with a steadfast commitment to prioritizing security and usability.

Before we jump into the 2024 roadmap, let’s take a moment to celebrate our achievements in 2023:

• Birth of 3A DAO.
• Development of a distinct brand identity.
• Launch of the Academy.
• Introduction of the Centurion program.
• Kick-off of the protocol’s close beta phase (entirely community-driven).
• Announcement of more than six partnerships, with a particular emphasis on cybersecurity.
• Welcoming Scott Carlson as our inaugural advisor, bringing his wealth of experience from the NSA, PayPal, and Kudelski.

We have listened to all your feedback. Now, let’s discuss what lies ahead.

3A DAO ROADMAP 2024

Q1

As we step into the first quarter of 2024, our primary goal is to cultivate the 3A community by welcoming new users to the protocol. We’re making our presence known through various strategic initiatives.

Key Focus Areas:

• Bond Campaign
• PR and Marketing
• QuickSwap Listing
• DeFi Lama Listing
• EURO3 and A3A Swap Page
• Trove Optimization Bots + Notifications
• Integration of Payment Solutions
• Introduction of New Audit with six whitelisted tokens

Q2

As we journey through the second quarter of 2024, expect the introduction of innovative features and the exciting announcement of crucial projects that have been in the works. This quarter marks a pivotal moment for our DAO as we focus on solidifying our identity, fostering growth, and establishing new synergies.

Key Focus Areas:

• CEX Listing
• Arbitrage Bots
• Automated Leverage Bots
• Constellation Bridge
• Project Ruby Announcement
• Stargazer Wallet Integration
• EURO ‘Table’
• Expansion of Whitelisted Tokens
• Protocol Automations

Q3

In this quarter, a significant milestone awaits the 3A protocol. Our focus is set on scaling the product and drawing more users into the ecosystem by providing liquidity for a diverse range of products. This strategic move is designed to enhance accessibility and appeal, propelling the 3A protocol into a new phase of growth and user engagement.

Key Initiatives:

• RWA Expansion: Commodities Stocks, Corporate Bonds
• Whitelist LPs and Liquid Staking tokens
• 0% Lending for Bitcoin, Solana, Polkadot & Avalanche
• Fintech API integration
• RWA Partnerships
• V2 Webapp & sEURO3

Q4

As we venture into Q4, a major transformation awaits the 3A protocol. We’re set to go multichain, unveiling a more expansive and refined product. The focal point for this quarter is to amplify the use cases of EURO3, driven by Project “MM”. This milestone is pivotal, laying the groundwork for the next phase of interoperability and a more sophisticated EURO3.

Key Highlights:

• Polygon zkEVM Integration
• Project MM Announcement
• EURO3 for Payment

Important Disclaimer: The roadmap is not definitive and may be subject to changes.

We appreciate your support and express gratitude for guiding us in building the 3A Lending protocol. Thank you for being a valuable member of the 3A DAO.

Wishing you a Happy New Year!

About 3A DAO

3A is a Zero Interest Rate Lending Protocol for crypto and on-chain RWA safeguarded by enterprise-grade security.

Functioning as a non-custodial and decentralized lending solution, users can borrow EURO3 interest-free against their tokens. Addressing crucial challenges, 3A DAO offers on-demand, cost-effective liquidity, establishes deep liquidity on DEXs, provides sustainable yields, and facilitates efficient treasuries management.

Join us as we revolutionize the DeFi space and make this vision a reality!

Website | Telegram | Linkedin | Discord | Twitter