fija is a VC-backed fintech from Germany that delivers compliant, easy and transparent access to real DeFi (Decentralized Finance) yield strategies. Founded by a team of experienced tech entrepreneurs, DeFi experts and engineers, fija’s vision is to enable anyone to earn yield on their crypto.

With the Web3 Vault on AscendEX, you can earn 12% APY on your USD/USDC deposits — with no wallets, no bridging, and no technical setup required.

The Web3 Vault gives you access to a fully automated, delta-neutral DeFi strategy designed to earn stable yield in USD/USDC — without the complexity.

Here’s how it works:

✅ fija offers you a fixed APY, paid in USDC

✅ This yield is generated by running a DeFi strategy behind the scenes

✅ The strategy provides liquidity to the GMX ETH/USDC pool

✅ It hedges ETH exposure using Aave

✅ It rebalances dynamically based on real-time market conditions

The returns from this DeFi strategy are used to fund the fixed APY you receive — so you can earn passively, while fija manages everything in the background.

Delta-neutral means that the strategy is structured to have no net exposure to price movements in volatile assets (like ETH).

Even though the strategy interacts with ETH in the GMX pool, it opens a short position on Aave to offset that exposure.

This helps:

• Protect your deposit from market swings

• Keep the strategy focused on generating yield, not speculative gains or losses

fija works exclusively with professional DeFi strategists, Web3 experts and crypto hedge funds.

All strategies are:

• Backtested and screened for performance and risk

• Designed by proven market participants (e.g. Validvent Technology GmbH)

• Continuously monitored and optimized via automation
  
  

You benefit from expert-level strategy design, without having to manage or even understand the underlying complexity.

Smart contracts bring transparency and efficiency to yield generation:

• Investors keep full control over the investment, there is no possibility for fija to access the investment.
• No manual execution — everything is pre-programmed
• No human error or interference
• Real-time performance and automated rebalancing
• Funds remain non-custodial and auditable at all times

This creates a trustless, consistent, and transparent investment process.

The Web3 Vault currently offers 12% APY, based on real activity in DeFi protocols — not token inflation or marketing rewards.

The yield comes from a high-efficiency, on-chain, fully automated DeFi strategy.

It earns through:

• Trading fees and liquidations from GMX

• Lending dynamics from Aave

Returns are variable and depend on real trading activity within GMX.

No. fija makes DeFi simple and accessible.

You don’t need:

• A Web3 wallet (like MetaMask)

• Any bridging or on-chain setup

• Technical or DeFi knowledge
  
  

Just deposit USDC into the Web3 Vault via AscendEX and start earning at the click of a button.

No. fija never holds your funds.

Your deposit is secured in audited, non-custodial smart contracts — meaning there’s no counterparty risk from fija.

Yes. fija ensures institutional-level security:

• Smart contracts are audited by EU-based third parties

• No manual control — execution is fully automated

• Non-custodial architecture — funds always remain in the smart contracts

• Emergency plans are in place for risk scenarios

Strategies are created by professional DeFi experts and hedge fund managers.

They must pass strict due diligence by fija before the launch.

fija strategies are used by:

• Users of crypto exchanges, brokers and custodians to earn yields on the crypto they hold on the exchange/broker/custodian

• Professional investors like family offices and VCs

• Investment & Hedge Funds

fija strategies are offered by:

• Crypto exchanges

• Custodians

• Crypto Brokers
  
  

Now, AscendEX users can access these same strategies — with zero friction.

The fija Safety Score rates each strategy’s risk profile by analyzing:

• Protocol risks (e.g. Aave, GMX)

• Blockchain security (e.g. Arbitrum)

• Token volatility

• Strategy complexity

DeFi is not risk-free.

Key risks include:

• Smart contract bugs or exploits

• Unexpected market behavior affecting yield

• Token price fluctuations on AscendEX

• Protocol-level failures
  
  

Risk management features incorporated by fija include:

• Delta-neutral structure

• Rebalancing based on ETH exposure and Aave’s Health Factor

• Strategy diversification

• Emergency exit mechanisms

This strategy operates on Arbitrum One, a fast, low-fee Layer 2 scaling solution for Ethereum.

Ideally, as long as possible.

The longer your funds remain in the Vault, the more your returns benefit from:

• Compounding (interest on interest)

• Reinvestment of earned yield

• Reduced short-term exposure to temporary market fluctuations
  
  

fija strategies are designed for passive, long-term income generation, not short-term speculation.

However, you can withdraw your funds anytime, when you need it.

This isn’t just another “Earn” product — it’s a direct, automated connection to real DeFi yield:

• fija enables investors to access DeFi yields out of the comfort of an exchange. All the complexity is taken away, but the benefits of DeFi prevail: Full control & transparency.

• Yield comes from real protocol revenue (not token emissions or rewards)

• The strategy is audited, delta-neutral, and institutionally designed

• No wallets, bridging, or technical steps required

• It brings DeFi-grade returns to centralized exchange users — seamlessly
  
  

It’s one of the first truly integrated, smart contract-based DeFi strategies on a CEX.