Money is
in motion.
NovaWealth is the autonomous consumer wealth copilot bridging idle cash savings and tokenized US equities with zero risk to initial capital and instant T+0 liquidity.
0128.6M
Robinhood Retail Accounts
$5T+
Idle US Household Cash
8.45%
Robinhood Earn APY (MetaMorpho)
T+0
Instant Liquid Redemptions
01 / The Market Dilemma
Cash is sitting still.
Billions in tokenized stablecoins sit idle in cash equivalents. Retail investors are trapped between zero yield or risking their savings principal on volatile stock swings.
02 / The Mechanism
Yield becomes momentum.
Deposited Paxos USDG earns ~8.45% APY aligned with Robinhood Earn's MetaMorpho infrastructure. Our smart vault isolates accrued interest and streams it into Robinhood Stock Tokens via autonomous DCA.
03 / The Trust Triple-Lock
Dismantling crypto-skepticism.
Everyday retail users fear market crashes, complex seed phrases, and locked funds. NovaWealth eliminates all three:
- ✓Zero Capital Loss: Deposit principal locked from downside.
- ✓Zero Seed Phrases: 1-Click Biometric Passkeys (FaceID).
- ✓Zero Lockup: 15% instant T+0 liquid buffer.
04 / Execution Architecture
Peer-to-Pool Settlement Engine
How NovaWealth routes autonomous DCA flows with institutional NAV pricing, zero slippage, and on-chain corporate action scaling.
Yield Harvest Isolator
Captures baseline 8.45% APY aligned with Robinhood Earn MetaMorpho vaults while maintaining a 15% instant T+0 liquidity buffer.
Oracle & Multiplier Engine
Calculates fair-value unit conversion using 8-decimal Chainlink price feeds with Robinhood's native ERC-8056 stock split multiplier.
Autonomous DCA Streamer
Delegated session key bot executes batch allocations across the user's custom equity basket backed by real custodial shares.
Architectural Invariant
Direct Peer-to-Pool vs Fragmented Liquidity
By using Chainlink oracle pricing and routing swaps directly through regulated broker-dealer liquidity desks (liquiditySource), NovaWealth eliminates AMM price slippage, prevents MEV sandwich exploitation, and accurately tracks stock splits.
0%
AMM Slippage
8 Dec
Oracle Precision
ERC-8056
Split Scaling
05 / Capital Velocity
Eliminating TradFi “Cash Drag”
Why native on-chain execution beats traditional brokerages: 100% continuous yield generation meets single-block atomic equity settlement.
Pre-Funding Friction
In traditional finance brokerages, running an automated DCA script or trigger-order requires keeping capital idle and unproductive in your account to ensure execution upon price triggers.
Instant Yield Routing
Capital is never idle for a single block. 100% of deposited USDG generates 8.45% APY in cash yield rails until the exact transaction the copilot atomically harvests yield and settles stock tokens.
06 / Protocol Invariants
Engineered for consumer trust.
Zero-Principal-Risk Invariant
Yield = max(0, totalAssets - totalPrincipal)
The smart contract makes it mathematically impossible for the DCA streamer to touch original deposit capital. If yield is $0, the stream pauses automatically.
Instant T+0 Liquidity Buffer
15% Liquid Buffer / 85% MetaMorpho Rail
Solves the classic RWA dilemma where funds take 30–180 days to redeem. Users can withdraw cash instantly 24/7/365 with zero settlement delay.
Scoped ERC-4337 Session Keys
Daily Spend Caps & Non-Custodial
The user delegates daily spending limits to the Nova autonomous bot. The bot executes DCA yield batches on-chain without requesting repetitive transaction signatures.
Market Opportunity
Built for retail adoption.
While previous hackathons built institutional hedge-fund tools, NovaWealth is designed from the ground up for the everyday consumer seeking automated equity accumulation.
28.6M
Retail investors on Robinhood primed for automated stablecoin-to-equity DCA.
8.45%
Baseline Robinhood Earn lending APY converting idle savings into stock tokens.
T+0
Instant liquidity fronting eliminating multi-day RWA lockup delays.
$0 Risk
Savings principal mathematically isolated from stock volatility.