[FIP - 277] Onboard FinresPBC as FRAX v3's Offchain RWA Partner

Greetings Frax community,

We are Adapt3r Digital, a crypto-native fund manager focused on building the future of compliant, blockchain-based financial products. Adapt3r is an affiliate of MJL Capital, a thesis-driven crypto-native fund who has been a long-term believer and active investor in the Frax ecosystem. We are thrilled to observe the proactive steps Frax is taking towards integrating traditional financial assets on-chain.

Our recently launched Short-Term U.S. Treasury Bill Fund (ADAPT I LP or “tfBILL”), offered on Archblock, a decentralized alternatives marketplace built on TrueFi’s on-chain infrastructure, aligns seamlessly with Frax’s objectives. We aim to provide non-U.S. investors access to the highest possible short-term U.S. Treasury Bill yields, while ensuring capital preservation, stable returns, and on-demand liquidity. The Fund offers direct access to underlying Treasury Bills held in a bankruptcy-remote vehicle domiciled in the British Virgin Islands.

As of August 25, 2023, the effective federal funds rate is 5.33% and tfBILL captures a significant portion of the U.S. Treasury Bill yield while offering on-demand subscription and redemptions. The Fund operates on a daily liquidity basis, aiming to process all redemption requests within one trading day. The combination of the risk-adjusted returns of U.S. Treasury Bills and high liquidity makes tfBILL an efficient investment vehicle for non-U.S. DAO treasuries, crypto funds, and other investors with on-chain capital.

tfBILL leverages public blockchain rails to democratize access to U.S. Treasury Bill yields for on-chain investors. The proven technology and smart contracts developed by TrueFi have facilitated over $1.8B in on-chain asset origination and capital deployment. Investors seeking U.S. Treasury Bill yields and other unique investment opportunities can conduct due diligence and review each manager’s investment strategies on the Archblock Marketplace.

TrueFi’s programmatic smart contract interface allows other smart contracts to interact with portfolios on the Archblock platform. The smart contracts streamline and automate the execution of fund operations, such as disbursements, redemptions and reporting. Investors deploy and redeem capital via Archblock’s website. TrueFi’s smart contracts undergo regular audits (details can be found on TrustToken’s Github account).

The Fund’s operations are safeguarded by robust internal controls, including consensus-based approval mechanisms and role-based governance protocols. These measures are bolstered by multi-layered physical and digital security protections. On-chain assets are safeguarded by multi-sig operations and leading custodial providers. Off-chain assets are held in custody with a regulated institutional custodian and a FINRA-regulated broker-dealer.

Transparency is a cornerstone of Adapt3r Digital’s operations. Investors can view the underlying U.S. Treasury Bills held in the off-chain brokerage accounts via Archblock’s investor reporting tool. Annual fund audits of ADAPT I LP will be performed by Wolf & Company, P.C., and daily net asset values are calculated by a third-party fund administrator, NAV Consulting, which are updated directly on the Archblock website. Additionally, we plan to integrate with Chainlink’s proof-of-reserves technology, providing automated audits of the underlying treasury assets.

We believe there’s potential for a synergistic collaboration between Frax and Adapt3r. Our expertise in managing short-term U.S. Treasury Bills, combined with Frax’s innovative approach to bridging RWAs on-chain, could pave the way for new opportunities in the DeFi space.

We’re eager to delve deeper into discussions and explore how our fund can align with the FRAX v3 RWA asset strategy. Let’s work together to bring more traditional financial assets on-chain, benefiting the broader community.

Warm regards,

The Adapt3r Team

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