The Problem
$250B parked.
Earning nothing real.
DeFi pays you the same as a US Treasury. Why take smart‑contract risk for matching yield? On‑chain capital needs a real premium, not another loop.
USD-Equivalent APY · Today
What DeFi Actually Pays Today
Kamino
5.4%
Aave
4.2%
Compound
3.8%
Jupiter
4.6%
The Solution
A direct pipe to
Turkish bank yield.
USDC in. Lira deposits. USD yield back.
Backed by a real-world asset
Every USDC deposit sits in a regulated TL term deposit at a tier‑1 Turkish bank. Not synthetic. Not looped. A receivable on a bank, not a position on another protocol.
Regulated counterparties
Capital sits with BDDK‑supervised banks, not anonymous DeFi pools. Insured deposits. Reportable balance sheets. Real audit trails.
An edge nobody else can copy
The yield exists because Turkish banks need lira capital and offer a sovereign‑rate premium for it. Replicating this requires direct banking relationships in TR, not code. We have them.
Zirve Target
0%+
DeFi Baseline
~0%
Multiple
0×
How It Works
From USDC to USD yield.
Step 01
Deposit
USDC into the zirve vault.
Step 02
Convert
USDC → USD → TRY, via SPV treasury.
Step 03
Earn
TL term deposit at tier‑1 Turkish bank. ~46% APY.
Step 04
Return
Yield flows back to depositors as USDC.
Step 01
Deposit
USDC into the zirve vault.
Step 02
Convert
USDC → USD → TRY, via SPV treasury.
Step 03
Earn
TL term deposit at tier‑1 Turkish bank. ~46% APY.
Step 04
Return
Yield flows back to depositors as USDC.
No Leverage
A deposit, not a derivative.
FX Risk
TL drops ~20% a year. The 46% rate covers it.
LPs still net 15%+ USD.
Tail risk: an extreme TL collapse beyond historical range.
Liquidity
Same-day or next morning.
Withdraw before 12:00 → settles in ~5h.
After 12:00 → next business morning.
Track Record
$100k in. $0k out.
2024–2025, no hedge, posted bank rates and market FX.
$100k, two years, USD-denominated
TL APY
~46%
USD/TRY Drift
+20%/yr
Net USD
~24%/yr
Reading the numbers
What happened · 2024–25
This backtest uses posted TL bank rates and actual USD/TRY drift over the period. ~24%/yr net USD and +54% total reflect what the strategy would have returned — not a forward guarantee.
What we quote LPs · going forward
For allocations we use 15%+ net USD as a conservative steady-state target — the same figure on the hero and in The Math. Historical outperformance is context, not the pitch.
The Math
~15% net USD,
steady state.
Start with the gross TL yield, subtract withholding tax, subtract annualized TL/USD depreciation. What's left is the real USD return LPs receive.
Yield Waterfall
USD-Equivalent APY · 12 Months
Infrastructure
Built on Solana.
Cheap enough that fees don't eat the yield. Liquid enough that off‑ramps clear instantly. Trusted enough that Visa and PayPal already settle here.
TX Cost
$0.00025
Stablecoin Supply
$0.00B
Active Stable Wallets
0M+
Visa settles USDC on Solana.
PayPal launched PYUSD on Solana.
Kamino + Jupiter clear billions in stablecoin flow.
Stable Transfer Volume · 2025
$0.0T
Supply Growth Since 2022
0×
Solana Stablecoin Supply
Team
Operators with domain edge.
Solana-native engineering. On-chain distribution. Direct access inside Turkish banking.
Aut3z
Founder · CEO
- Active in Solana communities since 2020. Founded and runs oligarchxyz (2022–present), one of Solana's tightest networking groups.
- IRL: Sales Director at a TR IT firm serving Turkish banks. Direct working relationships inside the banking system.
- Advised Solana projects (snipe bots, node products) on the sales side; helped raise $1M+.
- Lives on both sides of the wall: Solana operator by night, banker by day.
To be announced
Advisor
- Identity reveal coming shortly.
- Already onboard, advising on banking and DeFi structuring.
To be announced
Lead Engineer
- Identity reveal coming shortly.
- Solana-native, shipping the vault and proof-of-reserves.
“We're not learning the field. We're operating in it, already.”