oxar

1. One-liner

OXAR is a savings-and-investing app for the crypto-paid generation. Connect a wallet (Apple Pay deposits on the way), choose how loud you want your money, and earn yield from curated sources — or buy tokenized stocks and gold to hold. Withdraw anytime, never custodial.

2. The problem

Banks force a choice: high yield or instant access, never both. Crypto wallets sit at 0%. Savings apps cap at 4-5% and require a US bank account.

And the moment you want more than a savings rate — stocks, gold, bonds — you're back in the legacy system: a broker, more KYC, market hours, waiting. We break the tradeoff: 5-12% APY across curated yield sources, instant withdraw from liquid positions, and tokenized real-world assets — one non-custodial app.

3. The product

Connect your wallet (Phantom, Backpack, MetaMask). Apple Pay / Google Pay deposits via Ramp Network are on the way. Pick a risk template: Sleepy (4-6%), Walking (6-9%), Running (9-14%).

Your USDC routes into curated yield sources: Jupiter Lend and Kamino USDC live today, with Ondo USDY (US Treasuries), Maple (institutional credit) and Ethena sUSDe on the way. Cross-chain access via Delora — no bridges to manage.

Beyond yield, buy tokenized stocks and gold (Backed xStocks, Tether Gold) and hold them in your own wallet — real price exposure with on-chain P&L. Each asset has its own page explaining what it is. Tokenized bonds and new asset classes are next.

4. Why now

Crypto-paid workforce is real and growing: Bitwage (150k+ workers), Toku (100+ countries), Deel crypto payroll, Superfluid streaming. Tokenized RWA is maturing: Ondo USDY ($500M+), Ethena sUSDe ($5B+), Maple ($1B+). Apple Pay → crypto via licensed providers like Ramp Network just became frictionless.

Banks (Apple, Wealthfront, Marcus) cap at 4-5% because of US Treasury rates. Crypto-native users want more without taking obscure risks. This window opens for the next 12-24 months before Revolut / Coinbase close it.

5. Market

TAM: Anyone with a crypto wallet + savings instinct (~50M globally and growing).

SAM: Crypto-paid earners + DAO contributors + remote workers using stablecoins for salary (~5M globally).

SOM (Year 1): 500-5,000 active users, $1-10M TVL across yield positions and tokenized assets.

6. Business model

10% performance fee on yield earned (we don't take from principal, only growth). At $10M TVL and 8% average APY → $80k annual revenue. At $100M TVL → $800k. Path to profitability around $26M TVL covering team + ops.

Secondary streams: a small spread on tokenized-asset swaps and a Delora fee share on cross-chain deposits (~10 bps), plus optional premium features in later phases.

7. Status & roadmap

Now: Live on Solana mainnet — a non-custodial UI over audited protocol SDKs (Jupiter Lend, Kamino), with no contract of our own to deploy or audit. USDC yield plus tokenized stocks and gold work end-to-end: deposit → earn, or buy → hold → withdraw, all from your own wallet.

Aug 2026: Public launch. Yield + tokenized stocks and gold, Apple Pay deposits, polished onboarding.

Q4 2026: First tokenized bonds via a licensed broker partner. More yield sources and assets; cross-chain deposits fully wired via Delora.

2027: iOS / Android native apps. Multi-currency stablecoins. Geographic expansion via local partners.

8. Team

Daniel Lohachov (63%) — Product, tech, founder of the prior OXAR iteration. Solana ecosystem since 2023.

Anna Tarapatska (37%) — Operations, legal, partnerships.

9. Funding

Not raising a traditional angel round. We're pursuing grants + accelerators + hackathon prizes to fund MVP launch (target $30k pre-launch). Crypto VC seed planned for post-PMF (12-18 months out).

Targets in motion: Solana Foundation ecosystem grant ($25-50k), Colosseum hackathon, Мінцифри × Binance contest. Strategic partnerships with Delora (cross-chain), Ramp Network (fiat), Privy (auth) already in place.

10. Contact

Strategic interest, partnership, or grant intro? Reach out:

support@oxar.app

Telegram: @eternaki (Daniel) · @tarapatska (Anna)