Frequently asked questions

An on-chain ETF is a tokenized basket of assets, US stocks, crypto, and stablecoins, held in a non-custodial smart-contract vault. Each fund unit is backed 1:1 by its underlying holdings, so you own a fractional share of the real basket, not a synthetic derivative. You can buy or redeem units in a single transaction without touching an exchange.

Net Asset Value (NAV) is calculated per unit in real time using on-chain oracle price feeds for every constituent. Because anyone can create new units by depositing the underlying assets, or redeem units back into them, the market price tracks NAV closely through arbitrage. You can verify the NAV formula and oracle sources on-chain at any time.

No. Stackfi is fully non-custodial. Your assets are held in audited, open-source smart-contract vaults on-chain. Stackfi never holds your private keys, and no single party can freeze or seize fund assets. You retain control and can redeem your units at any time.

A basket can hold any combination of tokenized US equities (e.g., TSLA, AAPL via compliant wrapped tokens), major cryptocurrencies (BTC, ETH, SOL, and more), and stablecoins (USDC, USDT). Fund creators configure the allocation in the launch wizard. Cross-chain routing is handled automatically so you can subscribe with a single asset.

A fixed 1% fee on subscriptions and redemptions (displayed transparently before you confirm), plus a 2% annualized management fee. These rates are the same for every fund on Stackfi; creators can't set their own. There are no hidden charges; every fee is enforced by the smart contract.

No KYC is required to explore, subscribe to, or redeem funds on Stackfi. Because the protocol is non-custodial and permissionless, you interact directly with smart contracts using your own wallet. Certain jurisdiction-restricted funds that hold tokenized equities may enforce geo-eligibility and identity checks for cash subscriptions, in line with the issuer and your jurisdiction, but in-kind redemption of assets you already hold always stays open.

A traditional ETF is issued by a fund company, held by a custodian, and traded through a broker during market hours. A Stackfi fund is a smart contract: it self-custodies its reserves on-chain, prices continuously from oracles, trades 24/7, settles in seconds, and lets anyone create or redeem units directly. There is no brokerage account, no minimum, and no counterparty holding your assets.

You burn your units and receive the underlying value. In-kind redemption returns the actual constituent tokens in proportion to your units, with zero swap slippage, and can never be paused or gated. Cash redemption swaps your pro-rata share into a stablecoin (e.g. USDC) in a single atomic transaction, with the quoted slippage and minimum-received shown before you confirm.

No. Creators set the basket, weights, and fees, and may rebalance target weights over time, but they cannot withdraw reserves, mint units without depositing backing assets, or pause your redemptions. Reserves live in a vault the contract controls, and your right to exit in-kind is enforced by code, not a promise.

NAV is derived from on-chain Chainlink oracles. If a feed becomes stale or deviates beyond protocol tolerances, cash subscriptions and redemptions automatically pause (a state we call NAV-protect), so no one trades at a mispriced NAV. In-kind redemption remains open throughout, so you can always exit to the underlying assets.

Stackfi runs on Ethereum mainnet and works with any Ethereum wallet (MetaMask, Rainbow, and others) via WalletConnect or browser injection, with no per-wallet setup. You sign in by signing a message with your wallet (Sign-In-With-Ethereum); no password or email is required.

The on-chain contracts are delivered as open-source, deployable source. The reference build ships in a simulated (database-backed) mode by default so you can explore every flow without spending gas. Before using real funds on a live deployment, ensure the contracts have been independently audited and that admin and keeper roles are secured behind a multisig and timelock.