Why Use FIVA?

Better Than Traditional Finance

Feature	Banks	US Bonds	FIVA
Annual Returns	0.5%	3-5%	5-12%
Early Withdrawal	Penalties apply	Difficult to sell, market risk	Anytime with most earnings preserved
Interest Payments	Monthly/quarterly	Specific coupon dates	Continuous accumulation
Access Process	Simple	Complex brokerage setup	Built into Telegram
Risk Level	FDIC insured (low)	Government backed (low)	DeFi protocols (high)

Better Than Other TON dApps

Feature	Other TON Apps	FIVA	Why This Matters
Return Type	Variable rates (changes daily)	Fixed rates (locked at deposit)	You know exactly what you'll earn
Platform Access	Individual protocols (EVAA, Storm Trade, etc.)	All top TON opportunities in one place	No need to research and compare multiple apps
User Experience	Learn each protocol separately	Simple deposit interface	Removed DeFi complexity entirely
Rate Optimization	Manual monitoring and switching	Internal marketplace pricing	Sometimes delivers higher effective returns

The Result: FIVA gives you access to the best of TON's DeFi ecosystem with bank-like simplicity but significantly higher returns than traditional finance.

What Does FIVA Cost?

FIVA charges simple, transparent fees:

FIVA Market Fee

• 0.2% charged on your deposit amount

• This fee is already included in the rate you see - what you see is what you get

• Example: You deposit $1,000 and see a 10% rate. You will earn exactly 10% on your $1,000 (total $1,100). The 0.2% fee is charged separately when you open the position but doesn't reduce your displayed returns.

• If you withdraw early, another 0.2% fee applies to your withdrawal amount

Blockchain Transaction Fees

• Small network fees for deposits and withdrawals (typically $1.50 total)

• About 0.2 TON per transaction (varies with TON price)

• These go to TON network validators, not to FIVA

• You'll see blockchain fees before confirming any transaction

Bottom line: Our only revenue is the 0.2% fee, aligning our interests with yours - we succeed when you earn more.

Important - Please Read

This is Different from Your Bank

FIVA uses new blockchain technology to earn higher returns, but this comes with different risks than traditional banking:

What This Means for You:

• Higher returns than banks, but not risk-free like bank savings

• Your money works in cryptocurrency markets, which can be volatile

• Technology risks exist that don't apply to traditional banks

• No government insurance like FDIC protection

Our Recommendation:

• Start small ($10-100) to understand how it works

• Only invest money you're comfortable with

• Don't put your entire savings here - think of it as one part of your financial plan

• This is not financial advice - we're explaining how our technology works

Do Your Research: Take time to understand what you're investing in. Ask questions. Start small. Make sure you're comfortable with both the technology and the risks before depositing larger amounts.