Frequently Asked Questions
Everything you need to know about The Holding — our allocation strategy, how copying works, costs, and what you control.
About The Holding
You're getting 10 years of tested allocation structure in 2 clicks. We've spent years researching protocols, testing risk ratios, navigating market cycles — all of that trial-and-error you bypass.
Think of it as knowledge transfer: What took us nearly a decade to develop and refine, you receive ready-made.
What you avoid doing manually:
- Running across multiple DEXs to buy each asset individually
- Calculating exact proportions (75/20/5)
- Setting up DeFi yield positions across Curve, Convex, Pendle, Aero, and other protocols
- Researching which AI, GameFi, and metaverse projects have real potential
- Spending weeks learning how each protocol works
Instead, you get a turnkey, battle-tested portfolio mechanism in one action.
Long-term focused. Ready to deploy.
Could you do it manually?
Absolutely. Our site is transparent — we openly share which assets we hold, our allocation percentages, our fund structure. There's no secret sauce hidden behind closed doors.
You could replicate everything yourself if you wanted to invest the time and energy.
But if you value comfort, convenience, and significant time savings — if you'd rather not spend months studying DeFi protocols, risk distribution, and portfolio architecture — our service lets you leverage 10 years of our experience in crypto investing, portfolio construction, and risk management.
Important: We don't provide guarantees. Crypto is volatile, protocols carry risks, and past structure doesn't guarantee future results. You're responsible for your own investment decisions.
We don't position ourselves as a trading signals service. The Holding isn't about "buy today, profit next week." We're sharing a deeply researched structure refined over 10 years — a formula for long-term capital growth (3-5+ years).
What you're getting:
- A proven three-layer architecture — Foundation (75%), Income (20%), Venture (5%)
- Asset selection with significant long-term growth potential
- Risk distribution designed to survive market cycles
This is not about flashy past returns or week-to-week portfolio fluctuations. It's a ticket for your capital to participate in the next generation of digital assets over the long haul.
Important: Balance your overall portfolio with other asset classes — real estate, business equity, savings, bonds, etc. But we don't give financial advice on your broader allocation. That remains your decision as an investor.
For 10 years, we've been building experience — managing capital, testing allocations, refining strategies across multiple market cycles. The Holding went public in 2025 as the distilled result of all that work.
Think of it as a quintessence: years of trial-and-error, portfolio experiments, and capital management compressed into a polished, three-fund architecture. The Holding isn't where we started — it's where we arrived after nearly a decade of refinement.
Short answer: They're capital allocations. We call them "funds" because that's simpler than saying "capital allocation buckets."
The technical truth: Substantia, Defitea, and Singul are allocations — portions of capital deployed in specific proportions: 75/20/5.
But we call them "funds" because:
- They function like funds — each has its own assets, objectives, and mission
- They're structured like funds — distinct allocation tiers with clear boundaries
- It's easier to understand — "three funds" is clearer than "three algorithmic capital allocation layers"
And why "The Holding"?
Because that's what it is — a holding structure. Like a traditional holding company that manages multiple subsidiary entities, The Holding manages three distinct allocations under one umbrella.
Think of Berkshire Hathaway: it's a holding company that owns GEICO, Dairy Queen, and dozens of other businesses. Similarly, The Holding oversees Substantia (foundation), Defitea (yield), and Singul (venture).
Simple language version: We split your capital into three buckets. Each bucket has a job. Together, they work as one portfolio. We call the buckets "funds" and the whole system "The Holding" because those words make sense to people.
Yes. Our portfolio is publicly tracked on Dropstab — you can view live holdings, asset breakdown, and TVL at any time. The link is in our footer under "Public Portfolio".
Three Funds Explained
The portfolio is split into three funds with different goals and risk levels:
- Substantia (75%) — Foundation. Bitcoin, Ethereum, gold, silver. Fundamental assets for long-term capital preservation and reliable growth. Low risk, stability.
- Defitea (20%) — Income. DeFi protocols with sustainable cashflow: Curve, Convex, Pendle, Aero, and others. The assets themselves also have strong growth potential. Medium risk, regular yield.
- Singul (5%) — Venture. High-risk investments in AI, GameFi, and metaverse sectors. High risk, potential for 10x-100x returns.
This is classic risk distribution: the foundation (75%) protects capital, the income portion (20%) generates cashflow, and the venture portion (5%) offers upside potential. It's a deliberate, balanced architecture designed for long-term wealth building.
This is classic risk distribution optimized for crypto:
- 75% Foundation (Substantia) — Protects capital with BTC, ETH, gold, silver. The bedrock that doesn't change.
- 20% Income (Defitea) — Generates cashflow through DeFi protocols. Sustainable yield without excessive risk.
- 5% Venture (Singul) — High-risk bets on emerging sectors. Small enough to survive total loss, large enough to matter if one hits 100x.
The ratio balances stability (75%), regular income (20%), and asymmetric upside (5%).
Within the Substantia fund (75% of total portfolio), assets are split evenly:
- 25% → Bitcoin
- 25% → Ethereum
- 25% → Gold (XAUT)
- 25% → Silver
Equal weight across four fundamental asset classes — maximum diversification within the foundation layer.
The venture allocation is designed to adapt. While our foundation (75% in BTC/ETH/metals) remains stable for years, the venture portion (5%) is our experimental zone.
This is intentional: Stability in the core, agility at the edges. We actively track emerging sectors — AI agents, GameFi, metaverse — and rotate positions as the market evolves. Singul reflects current opportunities, not 2016 bets.
- Substantia (75%) — Assets don't change. We follow a long-term DCA (Dollar Cost Averaging) strategy to accumulate the four fundamental assets: Bitcoin, Ethereum, gold, and silver.
- Defitea (20%) — Assets are periodically purchased using DCA strategy and locked for yield generation. No fixed schedule — purchases happen anywhere from once a week to once a quarter, depending on market conditions and opportunities.
- Singul (5%) — No set timeline. When a promising project with real potential appears, the fund may acquire it — sometimes in a single purchase, sometimes through multiple DCA entries to manage risk.
Technical & Costs
This information is being finalized. Costs will include:
- Enzyme Finance vault fees (platform infrastructure)
- Gas costs for on-chain transactions
- Potential setup fee (TBD)
We'll update this page with exact figures before launch. Transparency first.
Being determined based on gas efficiency. We want to ensure that gas costs don't eat a disproportionate amount of smaller portfolios. More details coming soon.
Details forthcoming. We're evaluating Ethereum mainnet and L2 solutions to optimize for cost vs. security. This will be clarified before launch.
No. When you copy The Holding, you receive a snapshot of our current allocation (75/20/5). After that, the portfolio is entirely yours. We don't touch it, rebalance it, or manage it ongoing.
You're in full control. If you want to rebalance later, you do it yourself.
100% non-custodial. Everything sits on your seed phrase. We never touch your funds, never hold your keys, never have the ability to move your assets. You have complete sovereignty.
What You Get
When you connect and confirm:
- An Enzyme Finance vault is created on-chain in your name
- The vault deploys capital across the 75/20/5 structure
- You receive tokens representing your vault ownership
- DeFi positions are set up for yield harvesting (Defitea fund)
- Everything is controlled by your seed phrase
The entire process is on-chain and verifiable.
No. The Holding provides the structure — the initial allocation setup. After that, you manage your own capital. We don't make investment decisions for you, don't execute DCA on your behalf, don't rebalance your portfolio.
Think of it as a blueprint, not ongoing management.
Yes, it's fully yours. After copying, you can:
- Adjust proportions (shift from 75/20/5 to something else)
- Add new assets not in the original structure
- Remove assets you don't want
- Continue DCA yourself into specific positions
- Withdraw yield from DeFi positions anytime
You control the seed phrase = you control everything.
You can exit anytime. Since it's non-custodial, you simply withdraw funds from the Enzyme vault to your wallet. No permission needed from us. It's your capital.
No. We share our portfolio structure publicly, but we don't give personalized investment advice. You make your own decisions about whether this allocation fits your goals and risk tolerance.
We're not financial advisors. We're builders sharing what we've built.
Still have questions?
Reach out on Twitter/X or explore our documentation for more details.
Back to Main Page