I
Your deposit is yours
Every deposit is withdrawable at any time. No fees. No penalties. No lock-ups. No exceptions.
Saver's Compact
The rules before
the rules exist
Shinjo has no governance, no token, and no DAO. This compact exists to state plainly what the product promises before any of those things arrive.
II
Fair odds
Prize odds are proportional to balance. No insider advantages, no hidden boosts, no preferential treatment. The math is on-chain and verifiable.
III
Early savers will be recognized
If and when a token launches, time in the vaults matters. How exactly has not been decided. The clock is already running.
IV
Prizes, not yield
Shinjo is a game, not a bank. Prizes will never be framed as yield, returns, or interest. The moment that line blurs, the product has failed.
V
No-loss means no-loss
Only the yield generated by deposits funds prizes. Principal is never at risk from the prize mechanism. This is the core invariant and it is non-negotiable.
VI
The risk that remains
The underlying yield protocols are the one thing that could affect principal. If a lending market or vault strategy suffers an exploit, depositors could be impacted. That risk cannot be eliminated. It can be made visible. All yield sources are audited, and the specific protocols in use are always listed in the app.
This compact is a statement of intent, not a legal contract. It may be amended. Never silently. Any changes will be published openly with rationale.