Live on Polygon & Base Mainnet

Collateral
Without Borders

Tokenized Brazilian DI fund shares — tracking CDI at ~15% APY — bridged into global DeFi lending markets. CVM-regulated collateral. Same-day redemption. First-world credit, from anywhere.

Start Earning Whitepaper
CDI Base Rate
~15%
Target APY (Leveraged)
25–35%
Redemption
D+0
Regulatory
CVM
Protocol

From PIX to DeFi Yield
in Four Steps

Bridging Brazil's regulated financial infrastructure into permissionless DeFi lending markets.

Step 01
💳
Deposit via PIX
Send BRL via PIX to the EFIX SPE. Funds received instantly through HausBank's payment infrastructure.
Step 02
🏦
Buy DI Fund Shares
The SPE purchases DI-linked fund shares through Genial IAAS, tracking the CDI interbank rate (~15% p.a.).
Step 03
🪙
Mint efixDI Tokens
efixDI tokens minted 1:1 on Polygon, representing underlying fund shares. Tokens accrue daily CDI yield.
Step 04
⚡
Leverage on Morpho
Bridge efixDI to Base via LayerZero, deposit as collateral on Morpho Blue, borrow USDC, loop for enhanced yield.
Advantages

Why Tokenized DI Funds?

D+0 redemption eliminates FX hedge costs while maintaining capital protection.

🛡️
Regulated Collateral
Backed 1:1 by ANBIMA-certified DI fund shares held at a CVM-registered securitizer. Guaranteed capital protection with daily yield accrual.
⏱️
D+0 Same-Day Redemption
Same-day liquidity enables instant collateral liquidation. Eliminates the need for expensive FX derivatives that cost 2-3% annually.
🌐
Cross-Chain Architecture
Built on Polygon (minting & yield) and Base (DeFi leverage) with LayerZero V2 OFT bridging. Composable with Morpho, Aave, and beyond.
📊
Sustainable Yield Spread
Earns the spread between CDI returns (~15%) and USDC borrow costs (~1-5%). Structural, non-speculative yield independent of crypto markets.
Economics

Yield Enhancement Model

Each leverage loop multiplies exposure to the CDI-USDC spread. Protocol targets 2-3 loops for optimal risk-adjusted returns.

Strategy Multiplier Gross APY Net APY Health Factor
Hold (no leverage) 1.00× 15.0% 12.5% ∞
1 Loop 1.77× 22.7% 20.0% 1.77
2 Loops ★ Recommended 2.36× 28.6% 25.6% 1.49
3 Loops 2.82× 33.2% 29.8% 1.38
4 Loops (max) 3.05× 35.5% 33.0% 1.28

* Net APY after 20% performance fee. Morpho Blue LLTV: 77%. Auto-deleverage triggers at Health Factor < 1.15. CDI rate: ~14.9% (Feb 2026). USDC borrow rate varies with market utilization.

Infrastructure

Deployed Contracts

All contracts live on mainnet. OpenZeppelin security audit complete - 15/15 findings resolved. Read the report ↗

🟣 Polygon Chain 137
EfixDI Token ✓ Audited 0x0408...6441
EfixCollateralVault V2 0xdE82...DE6B
EfixVault V2 (Legacy / Mode B) 0x2eA5...307C
PIX Bridge 0x1d97...f4C3
LayerZero OFT Adapter 0x6032...58Fc
Uniswap V3 Pool efixDI/USDC
Chainlink BRL/USD 0xB90D...f2c
BRTH Stablecoin 0x38fd...3AB7
🔵 Base Chain 8453
EfixDI Token 0xF5cA...5608
MinterBurner (LZ V2) 0x400a...9a3
Morpho Vault V2 0xf4A3...CBd5
EfixBRL Oracle V2 0xFC6a...Ea86
Morpho Blue 0xBBBB...FFCb
Morpho Market efixDI/USDC (77% LLTV)
Morpho Market efixDI/USDC (77% LLTV)
Documentation

efixDI+ Protocol
Whitepaper

Technical document covering protocol architecture, yield mechanics, risk framework, smart contract design, and regulatory compliance.

Details how EFIX creates a sustainable yield spread by bridging Brazil's R$6+ trillion fixed-income market into permissionless DeFi lending. Covers recursive leverage loops, liquidation risk, oracle design, and CVM regulatory framework.

Download PDF GitHub
efixDI+ Whitepaper v1.0
February 2026 · 11 pages
  • 01 Executive Summary
  • 02 Market Opportunity
  • 03 Protocol Architecture
  • 04 Smart Contract Infrastructure
  • 05 Yield Enhancement Mathematics
  • 06 Oracle & Price Feeds
  • 07 Risk Framework
  • 08 Cross-Chain (LayerZero V2)
  • 09 Morpho Blue Integration
  • 10 Regulatory Compliance
  • 11 Security & Audit
  • 12 Roadmap
  • 13 Contact & Links
Download Whitepaper
Compliance

Regulatory Framework

CVM-registered closed securitizer under Brazilian securities law, issuing Certificados de Recebiveis (CRs).

Entity
EFIX Plataforma de Tokenização e Crowdfunding Ltda
CNPJ
60.756.859/0001-57
CVM Act
23.635 / 2025
Instrument
Certificados de Recebíveis
License
Tokenization & Crowdfunding Platform
Audit
OpenZeppelin (Complete - 15/15 Resolved) ↗