Frequently Asked
Questions

ZernoFi is an RWA (Real-World Asset) aggregator on Solana that connects crypto investors with verified Ukrainian agricultural businesses — wheat producers and snail (escargot) farms. You deposit USDC, the funds are deployed to a real farm operation, and after harvest you receive your principal back plus a yield — all in USDC. No exposure to internal token volatility for your base return.

Four steps:

1. Install a Solana wallet — Phantom, Solflare, or Backpack
2. Fund your wallet with USDC on Solana (buy on any CEX, withdraw to your Solana address)
3. Connect your wallet on zernofi.org
4. Choose a pool, enter your amount (minimum $100 USDC), and confirm the transaction

That's it — your position is recorded on-chain and you start accruing yield immediately.

The minimum deposit is $100 USDC per pool. There is no maximum. You can invest in multiple pools simultaneously.

ZernoFi supports three Solana wallets: Phantom Solflare Backpack

All three are free browser extensions / mobile apps. We recommend Phantom for beginners. Hardware wallets (Ledger) connected via Phantom or Solflare are also supported.

APY is based on the fixed financing rate agreed with each farm — set before the pool opens, not derived from token emissions. For example, a wheat farm agrees to pay 14% annual interest on the capital raised. That rate, minus ZernoFi's 2% protocol fee, is what investors receive.

Rates vary by pool: wheat pools typically range 11–14% APY, snail farms 18–22% APY (higher yield, higher agricultural risk). APY figures are targets, not guarantees — actual returns depend on harvest outcomes.

Lock periods are tied to harvest cycles:

— Wheat pools: 9 months (planting to harvest)
— Snail farm pools: 12 months (growth + EU export cycle)

Early exit may be available via secondary liquidity on Jupiter or Raydium (LP token swaps), but at a market-determined price that may differ from your deposited amount.

Dividends are distributed in USDC directly to your wallet after harvest completion and farm settlement. The process:

1. Farm completes harvest and sells produce
2. Pyth / Switchboard oracles verify sale price and volume
3. Smart contract calculates each investor's share
4. USDC is distributed on-chain — no manual claim required

Settlement takes ~400ms on Solana once triggered.

Every pool carries physical crop insurance covering weather events, drought, and crop disease. Additionally, each farm maintains a reserve fund (5–10% of pool capital) to cover partial underperformance.

In a severe scenario where insurance and reserves are insufficient, investors may receive a partial return. This is why APYs are stated as targets, not guarantees, and why we strongly recommend investing only what you can afford to lose.

$UAAGRO is ZernoFi's utility token. It is completely optional — you can invest in pools and earn USDC yield without ever holding $UAAGRO.

Holding and staking $UAAGRO unlocks extra benefits: +3% APY Boost 48h Early Access Governance Fee Discounts

Think of it as a loyalty layer on top of the base investment product.

When you stake $UAAGRO tokens, your active pool positions receive a +3% APY bonus on top of the pool's base rate. For example: a 14% wheat pool becomes 17% for $UAAGRO stakers.

The boost is funded from the protocol fee reserve and is capped at the available reserve balance per epoch. Boost is applied proportionally — the more $UAAGRO you stake relative to your deposit size, the more reliably you capture the full +3%.

After the Q2 2026 launch, $UAAGRO will be available via:

— Jupiter (aggregated swap on Solana)
— Raydium (AMM liquidity pool)
— Pre-sale access for whitelist members (apply via the waitlist)

$UAAGRO is a utility token — its value may fluctuate. Do not speculate on it with funds you cannot afford to lose.

ZernoFi smart contracts are built with the Anchor framework on Solana. A full third-party security audit is scheduled before the Q2 2026 mainnet launch. Audit reports will be published publicly on IPFS and linked from this page once complete.

All contract code will be open-source under the MIT License.

ZernoFi uses two oracle networks for independent data verification:

— Pyth — commodity price feeds (wheat, escargot market prices)
— Switchboard — harvest volume verification

Farm legal agreements (contracts, insurance policies, land titles) are stored on IPFS — permanently accessible and tamper-proof. Each pool page links to the relevant IPFS documents.

Every farm goes through a multi-step due diligence process before a pool is opened:

1. Legal verification — land ownership, business registration, export licenses
2. Financial review — 2+ years of operating history, revenue records
3. On-site inspection — physical verification of assets and operations
4. Insurance confirmation — crop insurance policy in place before pool opens
5. Oracle integration — Pyth/Switchboard feeds configured for the specific crop and region

ZernoFi operates in a rapidly evolving regulatory landscape. We are incorporated in Ukraine and comply with applicable Ukrainian law regarding agricultural financing and digital assets.

We do not currently hold a securities license or investment adviser registration. Participation in ZernoFi pools is at your own risk. We strongly recommend consulting a local financial adviser before investing, particularly if you are in the EU, US, or UK where DeFi regulations may apply.