Introduction: In this article, we will provide a clear and formal guide on how to connect your KuCoin user account to Libertify. Connecting your KuCoin account to Libertify is a simple straightforward process. We will outline the steps involved to ensure a seamless experience. If you encounter any issues during the process, please do not hesitate to contact us for assistance.

Step 1: Sign Up with Email Option

• Open the Libertify app and navigate to the homepage.

• Choose the option to sign up using your email.

• Follow the on-screen instructions to complete the sign-up process.

• Note: you can also connect with your wallet and proceed to step 2 afterwards.

Step 2: Select the KuCoin Option

Upon successful sign-up, you will be directed to a page where you can choose which wallet or exchange to connect with.

In this guide, select the KuCoin option located under the exchange section.
​

Step 3: How to get your API keys from your KuCoin account

• Move the funds to the Trading Account

Before creating new API keys, please, make sure you transfer funds to your Trading Account! Otherwise, you will see 0 funds on your connected KuCoin account:

• Go to KuCoin

Log in or create a new account on https://www.kucoin.com/

• Follow to the API page

Hover over the profile icon on the top right corner, then click "API Management":

You must enable security verifications to add API keys. If you see this message, please follow KuCoin's instructions.

• Click Create API

• Open the Link third-party applications tab

Make sure Libertify is chosen in the Name of Third-Party App field:

• Name your key and create API Passphrase

When you have multiple APIs, a proper name helps to manage it.

The passphrase should be the unique password for the API key. It is not the same as your account's password or Trading password (but it could be filled by the Autofill tool, which is the wrong browser action!). Save it, as you can't add API to Libertify without it:

• Enable Spot trading account and click Next

As of now, Futures trading is not yet supported on Libertify.

• Enter all needed verification codes and click Confirm

• Great! You have created your API keys

Step 4: Fill in the API keys to create your portfolio

• Choose a Name: Pick a unique name for your portfolio.

• Enter API Details: In the "Set Keys" section, fill in:
  a. API Key: Your KuCoin account's API key.
  b. API Secret: The secret code for secure communication.
  c. Passphrase: An added security code.

Congratulations! After Step 4 you will process to the success page which means you are done connecting your KuCoin account to libertify.

Now it's time to choose the option that suits your protection preferences and continue building your profile.

Introduction: In this article, we will provide a clear and formal guide on how to connect your Bitget user account to Libertify. Connecting your Bitget account to Libertify is a simple and straightforward process. We will outline the steps involved to ensure a seamless experience. If you encounter any issues during the process, please do not hesitate to contact us for assistance.

Step 1: Sign Up with Email Option

• Open the Libertify app and navigate to the homepage.

• Choose the option to sign up using your email.

• Follow the on-screen instructions to complete the sign-up process.

Step 2: Select the Bitget Option

• Upon successful sign-up, you will be directed to a page where you can choose which wallet or exchange to connect with.

• In this guide, select the Bitget option located under the Exchange section.

Step 3: How to get your API keys from your Bitget account

• Log in to your Bitget account.

• Head to personal center.

• Click on API Management.

  

• Then click on Create New API.

After successfully created the API key, please remember the following information:

• APIKey - The identity of API transactions, generated by a random algorithm.

• SecretKey - The private key is randomly generated by the system and used for Signature generation.

• Passphrase - The password is set by the user. It should be noted that if you forgot the Passphrase, it cannot be retrieved back, and the APIKey needs to be recreated.

• After completing the API creation, you can view, edit, and delete.

Step 4: Fill in the API keys to create your portfolio

• Choose a Name: Pick a unique name for your portfolio.

• Enter API Details: In the "Set Keys" section, fill in:
  a. API Key: Your Bitget account's API key.
  b. API Secret: The secret code for secure communication.
  c. Passphrase: An added security code.

  

Congratulations! After Step 3 you will be redirected to the success page which means you are done connecting your Bitget account to Libertify.

Now it's time to choose the option that suits your Protection preferences and continue building your profile.

You have just connected your exchange account and are unsure of the next step.

Libertify synchronizes your exchange account information and displays it on the "Portfolio" tab of the Libertify interface. It can take up to 30 minutes to synchronize. You can speed up the synchronization by using the small icon to refresh your portfolio.

You can initiate your assets' protection (monitoring) from this page.

To do this, either select the "Protection" icon to the right of each line of assets (if you are using a desktop computer) or drag the bar of an asset to the left so that the "Protection" option appears below and to the right.

This option launches a new page from which you can select either 100 percent protection or custom protection (less than 100 percent).

100% protection enables you to initiate daily surveillance of your asset on its total number of tokens.

For instance, if you have 100 ABC tokens, the 100 tokens can be monitored, and recommendations can be generated for the 100 tokens.

In the Custom Protection menu, if you set protection to 50%, Libertify will only make recommendations for 50 tokens, leaving you to manage the remaining 50 tokens yourself.

For 50% protection, orders will only be issued on 50 tokens in Autopilot mode.

Note that you must have previously purchased tokens on your exchange account so that Libertify can monitor and protect them. If you only have stablecoins (USDC, USDT, BUSD...), Libertify will not be able to protect them because they are not volatile. In this case, go to your exchange platform and buy the assets you want and come back to Libertify to protect them.

Free your mind with Libertify

source: https://www.libertify.com/why-libertify/ (from 01/01/2021 until 10/04/2023)

By consistently implementing exit and re-entry advice, Libertify doubled the average quantity of tokens invested on the first day of 2022.

The table below summarizes the performance of the eight most valuable tokens by market capitalization, assuming the investor invested one unit on January 1, 2022 and followed all Libertify recommendations through December 31. The investor chose the Autopilot mode on Libertify because it could be time-consuming to review and approve a suggestion for each asset almost daily. This option lets the client's centralized exchange automatically accept all suggestions and carry out all orders. If it’s a decentralized wallet, the vault where the investor puts his token is in charge of allocating tokens and cash on the blockchain through a decentralized exchange so that swaps can happen.

Even though the year 2022 saw BTC and ETH drop by 65% and the other tokens by more than 85%, Libertify has on average multiplied by 2.2 the quantity of tokens in the portfolio.

source: Libertify.com

How to interpret the table

The table has five columns representing five risk profiles. The Buy-and-Hold column employs the technique of a long-term investor who does not modify his holdings regardless of price fluctuations. This investor is very optimistic about the future, and he or she wants to keep investing no matter what. Therefore, it has the same number of tokens from January 1 through December 31. We’ll assume that the investor has one token of each cryptocurrency to make it easier to explain and compare.
The remaining four columns indicate the performance of the four most significant risk profiles among the 100 created by Libertify. The Meerkat represents investors with the lowest risk tolerance. The shark symbolizes investors who would do everything to increase their wealth.

It is intriguing to see that the risk-taking profile (the shark) does not outperform the cautious profile. Also, the shark’s portfolio will have been more volatile, but since the market has been very bearish in 2022, it has been more profitable to be cautious and let the storms pass than to try to catch rallies.

Note that if the market rises again, the Shark profile should do better than the other risk profiles, but will be more volatile.
It is about finding your comfort zone and never entering the zone of capitulation. This zone is the most perilous because investors who sell in a panic will not return to the market until many months or perhaps years later, when prices will be much higher.

Now that the numbers for the dreadful year of 2022 have spoken for themselves, it is up to you to determine if it is in your best interest to be guided by an adviser who has your best interests at heart and the discipline to watch your assets on a daily basis.
If yes, visit Libertify immediately and create an account to be among the first to benefit from our risk management platform.

Disclaimer: Investing in digital assets is highly speculative and volatile, and cryptocurrency is only suitable for investors who are willing to bear the risk of loss and experience sharp drawdowns. Please note, all past performance as expressed on this site, is not indicative or a promise of future performance.

It is necessary to make sure that the seatbelt is either green or orange for Libertify to monitor a token. If the seatbelt is red, it means the token is not under surveillance.

The method of putting on the seatbelt differs if it is a wallet attached to an exchange account or if it depends on a decentralized wallet.

1- Portfolio linked to an exchange account

When initially connecting an exchange account, all seat belts are green by default. This indicates that Libertify is tracking the entire amount of tokens.

What does monitoring actually mean? Libertify's surveillance is performed each day at a predetermined time. (you have the possibility of modifying the time which by default is at 10 am). Every day at 10 a.m., Libertify's algorithms perform numerous analyses to estimate whether the token's price is "statistically" at an acceptable level relative to its past price, the price dynamics over a given period, and the relative intensity of price movement. After conducting this analysis, Libertify determines the token's risk exposure based on your personal risk profile. For instance, the algorithm can specify that 75% of token A must be invested. If it was all invested, Libertify suggests temporarily selling 25% of token A for cash. (stablecoin). This 25% of currency cannot be used for anything other than purchasing token A when the algorithm deems it necessary to bolster your position once more.

The default mode for receiving advice is Manual mode. Manual mode sends a recommendation via email, notification, and other selected communication modes and asks you to decide if you want to follow the recommendation. You can either accept the recommendation, decline it, or ignore it and do nothing.

If you accept the recommendation, Libertify prepares and sends an order to the connected exchange. Once received, the exchange will carry out the order automatically. You do not need to log in to your exchange to place the order yourself. This therefore saves time and makes it easier to perform.

Autopilot mode is a mode that you can turn on and off at any time by going to My Account, Advice Settings. You can activate this mode per portfolio if you wish.

This mode generates an advice as for the Manual mode. You receive it by email and in the application, but unlike the previous mode, you have programmed Libertify so that the recommendation is accepted automatically and the order is placed automatically on your exchange. This mode allows you not to miss any advice and not worry about your portfolio on a day-to-day basis.

2- Portfolio linked to a wallet

Watch the demo video here: https://intercom.help/libertify/en/articles/7051105-how-to-protect-and-unprotect-a-token-from-a-wallet

Introduction: In this article, we will provide a clear and formal guide on how to connect your Coinbase user account to Libertify. Connecting your Coinbase account to Libertify is a simple and straightforward process. We will outline the steps involved to ensure a seamless experience. If you encounter any issues during the process, please do not hesitate to contact us for assistance.

Step 1: Sign Up with Email Option

• Open the Libertify app and navigate to the homepage.

• Choose the option to sign up using your email.

• Follow the on-screen instructions to complete the sign-up process.

  

Step 2: Select the Coinbase Option

• Upon successful sign-up, you will be directed to a page where you can choose which wallet or exchange to connect with.

• In this step, select the Coinbase option located under the exchange section.

  

Step 3: Coinbase Sign-In

• After selecting Coinbase, you will be redirected to the Coinbase sign-in page.

• Enter your Coinbase account details, including your username and password.

• Follow any additional security measures prompted by Coinbase, such as two-factor authentication, if applicable.

• Click on the "Sign In" button to proceed.

  

Step 4: Return to Libertify App

• After successfully signing in to Coinbase, you will be redirected back to the Libertify app.

• At this point, you have the option to add exchanges to your Libertify account or continue using the app.

Congratulations! You've successfully completed the process. Now it's time to choose the option that suits your protection preferences and continue building your profile.

Investors in the blockchain space face unique risks that are not present in traditional financial markets. Smart contracts, in particular, are an important part of the blockchain ecosystem. They allow investors to make automated transactions without the need for middlemen. However, the reliability and security of smart contracts are critical, as they can be directly responsible for the management of investors' funds.

That's why a third-party audit is crucial when investors use a smart contract on the blockchain. An independent audit helps to identify and mitigate risks associated with the smart contract's functionality and security. The audit should cover all aspects of the smart contract, including code review, security assessment, and functionality testing.

You can download and read the 20 pages audit from the reputable HACKEN auditors.

In conclusion, a third-party audit is essential for ensuring the security and reliability of smart contracts on the blockchain. At Libertify, we prioritize the safety and security of our investors, which is why we had our smart contract audited by an independent third party. We're committed to maintaining the highest standards of security and reliability in the blockchain space, and we will continue to take all necessary measures to protect our investors' assets.

The goal of this article is to provide an in-depth understanding of Libertify crypto seatbelt feature.

With the crypto seatbelt, we aim to “reduce the risks associated with crypto investment and securely accompany the investor to build wealth safely.”

We rely on three pillars:

1- A risk scoring engine

The primary goal is to obtain a better knowledge of who the investors are by constantly tailoring the experience to their specific traits. To do this, we create a sophisticated AI with the best interests of the investors in mind.

Customers are subjected to a risk assessment during the onboarding process. That is when their Libertify journey begins. It is their conscious self, or, more accurately, a distorted representation of who they feel they are at that moment.

We believe that realities may alter dependent on market environment as well as other unrelated external variables. Our objective is to adjust our advice depending on the investor’s surrounding environment, which is always changing and is often unique. As a result, we create a custom neural network based on the characteristics of each individual investor, and we keep feeding it with data points produced from their Libertify activities.

We look at the following type of events:

· Investor’s portfolio content

· Investor’s past trades

· Portfolio composition

· Tokens characteristics

· Market context (macro and micro)

· Market sentiments

· Investor’s interactions with Libertify advice

· Lookalike / clustering methods

An investor’s risk score is likely to fluctuate on a regular basis as a consequence of their behavior on Libertify. An investor-specific neural network generates this score change. The Libertify financial algorithm uses this score to figure out how much of each of the investor's assets to put on the market each day.

2- Financial market algorithm

We modeled our recommendation algorithm using three timeless evidence and methodologies that have worked across all asset classes and for more than two thousand years of trading assets.

· Trend following

· Momentum

· Mean reversing — Contrarian strategy

We believe that markets are far from efficient and that prices represent the current reality. Randomness exists because there are a lot of moving parts and a lot of people taking part.

In theory, you could use math to figure out how much all of the parts add up to, but since the number of pieces is infinite, you can't be sure what the price will be in the future.

From this idea, we prefer the probabilistic method for figuring out how likely it is that the next event will happen within a day, which is a good timeframe for small investors.

The market is unpredictable and driven by at least two macro forces:

(1) Rational expectations and (2) Reflexivity (theorized by George Soros), which is not only based on fact (fundamentals), but also on the perception of reality.

This financial market dynamic worsens when leverage and cheap credit come into play. This is because leverage and cheap credit make price action bigger, creating a new reality that changes and affects how market participants see things.

The passage of time produces Boom-Bust cycles that are prevalent in cryptocurrency markets. Trend following is an effective method for harnessing the Boom cycle, which takes time to develop. Trend following is not a kind of forecasting, passive index investing, buy-and-hold, or fundamental research. It uses heuristics, or explicit rules, to benefit from a behavioral perspective. Following trends is straightforward, uncomplicated, and evidence based.

Boom-Bust cycles are established on longer timeframes, although analogous swings on a shorter timescale may be examined as a mean reversing pattern.

Mean reversal capitalizes on large price movements assuming they would return to their original state. It is mostly a statistical market occurrence.

Libertify uses a financial algorithm to look at each asset and then turns the resulting signals into investor-specific recommendations that take risk into account. With the trend-following strategy, our method is based on probabilities. It is stochastic when it comes to measuring the strength of price action, and it is opportunistic when it comes to taking advantage of bounces and letting the market breathe with its mean-reversing technique.

3- An A.I. as the nudging engine

The main part is the "nudging engine," which gets investors to act by getting rid of cognitive biases that lead to inaction and bad economic decisions. Investors are subject to inertia. They'd rather keep doing what they're already doing; unless they're pushed hard to change, they stick with the default choice. Inertia also has to do with our beliefs. We tend to be resistant to changing the way we think. Due to inertia or status quo bias, investors delay making a move (to preserve their portfolio or catch a recovery) even if they know they should.

Today, investors have access to a lot of real-time market data and can get analysis from journalists, experts, and people with a lot of influence. Therefore, a lack of data does not prevent decision-making.

Noise is the primary element stopping investors from making the proper decision. How can an investor who isn't a professional decide what to do when there are so many different, well-supported opinions that may come from different points of view? Or a different risk profile?

Only a mechanical solution, such as an artificial intelligence, can eliminate noise and provide objective and probabilistic advice in a disciplined way, without any desire to manipulate the data.

People's subjective opinions and the noise around them are the two main reasons why their decisions don't do as well as simple, consistent rules that are statistically likely and objectively probable.

Libertify develops its own Natural Language Processing (NLP) model that leverages linguistics and computer science to make human language intelligible to machines. With natural language processing (NLP), Libertify processes pertinent information in a matter of seconds by machine learning and artificial intelligence to automatically examine enormous unstructured data sets.

Hence, writing recommendations can be automated, translating data into precise and actionable language. This makes generating complicated financial advice quicker while maintaining accuracy and consistency.

We are currently compiling a collection of expressions that precisely convey the interpretation of quantitative and technical information derived from various financial indicators.

The solution does not involve adopting a language unique to Libertify, which interprets financial signals. Indeed, our solution considers investors' psychology and risk profile.

The artificial intelligence uses a vocabulary of emotions and a variety of adjectives to add to the richness of the phrases and make the nudges even more specific to the customer's profile.

Using a reinforcement learning method, a loopback mechanism improves the AI by figuring out how often an investor follows a recommendation.

Libertify develops and implements a reinforcement learning system for rewarding positive behaviors (accepting advice) and penalizing undesirable ones (failing to follow the advice when ignoring or dismissing suggestions). This strategy provides positive values to desirable behaviors to encourage investors and negative values to undesirable ones. This instructs the investor to seek the greatest possible long-term return to find the ideal answer.

Conclusion

This article popularizes Libertify’s framework for reducing the cognitive biases that all investors are vulnerable to. Along with a lack of discipline, these biases are one of the main reasons why most investors don't do well with volatile financial assets like stocks and the cryptocurrency market.

After suffering a substantial financial loss, the investor chooses the Buy-and-Hold investment strategy out of spite. Nevertheless, Buy-and-Hold is a suboptimal investing strategy since it considers market losses the same as market rises, leaving the investor completely exposed.

Libertify is a simple solution for all investors that considers human psychology, market volatility, and the discipline that enables over time to outperform the performance of Buy&Hold while drastically decreasing its volatility and falls that may cause investors to panic.

Check out this step-by-step short video to learn how to check the different transactions you can initiate (deposit, redeem) on the blockchain from the Libertify app.

Check out this short video for a step-by-step guide to protect one of your tokens in your wallet and then unprotect it.

Check out this short video for a step-by-step guide on creating an account with a wallet.

Check this video and get all the answers to create an account and connect a centralized exchange account such as Binance, Coinbase....

The portfolio page lists all the assets (tokens, shares) on your account.

This page is refreshed every 30 minutes by synchronizing your exchange account/wallet with Libertify.

Each token except Fiats (dollars, euros...) and stablecoins (USDT, USDC, BUSD,...) has two features:

• Insights (in mobile mode, a swipe to the right is necessary on the token to access it) which presents financial information relating to this asset,

• Protection (swipe to the left on mobile) allows Libertify to start monitoring the asset. It sends recommendations in the form of notifications (in-app notifications, mobile notifications, emails, sms...based on your account settings).

Monitoring is part of the Crypto Seatbelt product invented by Libertify.

At the end of this analysis, Libertify figures out how much market exposure you could take based on your risk profile. This helps you get the best results and avoid taking risks that aren't necessary.

The analysis is "probabilistic" and cannot be considered certain. This is a financial analysis that determines, according to our algorithm, what should probably happen.

We know that previous Crypto Seatbelt recommendations outperformed the market in terms of risk-adjusted performance over 12-month periods in 99% of the tokens.

That's why we recommend users stay invested with Libertify long enough to get the most benefit. A minimum of 90 to 120 days is required.

To activate the "Protection" of the Seatbelt, you must therefore perform an action which is to select the asset to be protected and choose whether you want to "monitor" the whole token or only part of it.

The Crypto Seatbelt breaks down the amount invested in a token between a part invested in the token and a part placed in a stablecoin. This ratio is recalculated every day and if it becomes necessary to modify it, then a recommendation is sent to you so you can act.

The stablecoin part is "attached" to the asset that is being protected. This means that Libertify cannot use these stablecoins to invest in another token. This part of your asset is somehow linked to the protected underlying token.

When Libertify calculates an increase in your exposure in the following days, then it is this share of stablecoins that will be used to be converted into the token.

Since stablecoins are like cash, if the market goes down, that part will not lose value. Only the part of the tokens will be exposed to the market's fall.

Thus, you are partially protected.

You can also choose Autopilot mode, which will accept the advice for you automatically. The Autopilot mode can always be turned off. To set up this mode, you need to visit your ACCOUNT section from the dashboard page and go to the ADVICE SETTINGS page to turn on the toggle for each of your portfolios we want to protect in Autopilot mode.

If you have connected your wallet to Libertify, any individual crypto asset that you select for a risk adjustment investment strategy shall be deposited and managed in a secure vault, the "Libertify VAULT", aka the L-Vault. As its name suggests, vaults are safe.

But is it safe? How is it protected? And, who has access to it?

Let's start with the basics - What is an L-Vault?
​

1. An L-Vault is a secure crypto storage and management facility
   
   Think of an L-Vault as a fortified storage facility with an unlimited number of private safety boxes. The boxes are used to store and securely protect specific assets of financial value for its members.
   
   In the digital world, the L-Vault is a piece of code that builds a blockchain-based "smart contract" that not only stores and safeguards your crypto assets but can also trade them. The vault uses the unique risk-adjusted investment strategy Libertify has invented for the retail investor.

   
   Like in the real world, the L-Vault is secure. This means:
   ​

   • No one except you has the "key" to your private box

   • No one except you can deposit or withdraw any of your assets

   • No one, not even the builders or managers of the L-vault have access to the contents within. Therefore, not even Libertify. No one BUT you.

   • Lastly, for the avoidance of doubt, Libertify can NOT freeze your withdrawals.

2. An L-Vault is asset-specific and risk profile dedicated
   
   An L-Vault is dedicated to a specific asset. For each crypto asset, there are 4 sub-vaults, each representing a different risk profile - conservative, moderately conservative, moderately dynamic, dynamic.

   
   For example, if you have a risk profile of a Tiger and select ETH and Matic to be risk protected, they shall be deposited and managed in two L-Vaults - 1) the L-ETH Tiger Vault and 2) the L-Matic Tiger Vault (L = Libertify).

   
   ​

3. An L-Vault is mutual but segregated
   
   An L-Vault can be shared with many other wallets/members, like a mutual fund. This has many benefits, such as lower transaction fees (aka gas fees) for you as they are split between the number of participants.

   Please note: As mentioned before, even though the L-Vault is shared with other members, your crypto is completely segregated and inaccessible to them.

   
   ​

   

   
   ​

4. An L-Vault delivers proof of deposit

   So what happens when you select and deposit your crypto assets into an L-Vault?
   
   As you deposit your asset into the L-Vault you receive an LP token in return (LP = Liquidity Provider).

   An LP token is a blockchain-compliant digital certificate that confirms your membership and ownership in that vault. This is created (or minted) in real time and is sent automatically to your wallet for your safekeeping. Think of it as a type of receipt.

   
   This LP token you receive ( that is "minted" in the DeFi world as an ERC-20 token) is compliant with the strict security rules, regulations, and protocols of the blockchains.

   The LP token is also a smart contract and acts as a dynamic, digital ledger of all transactions processed. In other words, it is fungible, meaning it continues to update and present new confirmations each time Libertify executes a trade on your behalf. (To trade your crypto risk-adjusted, regular transactions shall take place exchanging crypto assets to stablecoins and vice versa).
   
   The LP token, containing the proof of purchase and details of each transaction, is always accessible to you via a link made available through the Libertify app.

   

   
   For a real-life example, go here

5. An L-Vault is transparent and immutable
   
   Because the L-Vault sits on the blockchain, all data is transparent and immutable.
   
   The details of each transaction include but are not limited to the date of entry, time stamp, vault name, asset name, percentage of ownership, asset value, and more.

   
   Each transaction recorded is immutable, meaning once it is written, it cannot be changed over time.

   
   ​

6. An L-Vault is anonymous
   
   Your identity, along with the identity of all the members within the L-Vault, remains anonymous/pseudonymous at all times. You can identify your wallet through your wallet address.

   

   
   ​

7. An L-Vault is Libertifying

   
   You can withdraw your assets at any time. You have control.
   
   In order to withdraw your assets, you need to prove they are yours. You do this by returning (redeeming) the LP token that was given to you ( ie your receipt). In return for the receipt, you shall get your assets back.
   
   In order for the L-Vault to be balanced, as you return the LP token, it shall be destroyed (burnt).

Inherent risks to all DeFi applications
​

Because your assets are stored in the smart contract of the vault, it is possible to withdraw them at all times (it is not possible for Libertify to “freeze withdrawals”).
​

There are, however, some risks that come with DeFi that you need to be aware of.

• Logical issues with the smart contract
  
  Smart contracts are programs written by humans, they might have bugs. In order to mitigate the risk of an issue with the logic of the vault, Libertify has commissioned external auditors to review the code of the smart contract.
  ​

• Slippage and price impact during deposit, withdrawal, and rebalancing:
  
  The vault may be allocated in a mix of the asset and stablecoins depending on the market conditions. Every time a rebalancing happens, there is a fee paid to the decentralized exchange by the vault. Our algorithm aims to overcome that fee by over-performing the market and the fee paid to the exchange.

  
  Similarly, when depositing or withdrawing from a vault that is currently allocated partly in asset and partly in stablecoin, part of your owning will be swapped from or into asset with a small fee paid to the decentralized exchange. That small cut from your crypto shall be repaid over time by over-performing buy and hold in case of a deposit. Same in case of a withdrawal.
  ​

• Price manipulation in the oracle: Our smart contract relies on third-party oracles serviced by Chainlink. Price manipulation of the oracle might have consequences on the total value locked in the vault. Chainlink is a reputable service provider with impeccable track record, still user should do their research about price feed oracles and how they provide quotes on-chain.

Wrapped Ethereum, or Wrapped ETH for short, is what WETH stands for. It is an ERC-20 token. The ERC-20 protocol is used by all tokens made on Ethereum, except for ETH, which is not part of this protocol.

A smart contract on the Ethereum network lets users wrap ETH into WETH. This makes ETH easier to use. This is called "wrapping," and when it's done, WETH tokens are made.

The main benefit of using WETH is that it lets users hold ETH in a more compatible token format.

WETH can be used on decentralized exchanges and to buy goods and services where WETH is accepted as payment.

Your WETH will always be exchangeable for ETH at a 1:1 ratio.

You can find the token contract for WETH here.

You can't have more or less ETH in the contract than what was put in. The code says that you will be able to withdraw each and every ETH you put into the contract.

You can find a good article here.

We based our recommendation algorithm on three pieces of evidence and methods that have worked for more than two thousand years and across all asset classes.

· Trend following

· Momentum

· Mean reversing — Contrarian strategy

We believe that markets are far from being efficient and that prices represent just the current reality. Due to the number of moving components and the number of active participants, randomness exists.

Even though the total of the components could be mathematically described in theory, the complexity prohibits the capacity to reliably anticipate the future price since the number of pieces is endless.

From this concept, we prefer the probabilistic method for assessing the likelihood that the next event will occur within a period appropriate for retail investors: a daily timeframe.

The market is unpredictable and driven by at least two macro forces:

(1) Rational expectations and

(2) Reflexivity (theorized by George Soros),

which is not only based on facts (fundamentals), but also on the perception of reality.

This financial market dynamic is exacerbated when leverage and inexpensive credit enter the picture, amplifying price action to create a new reality that alters and influences market participants’ views.

The passage of time produces boom-bust cycles that are prevalent in cryptocurrency markets.

Trend following is an effective method for harnessing the Boom cycle, which takes time to develop. Trend following is not a kind of forecasting, passive index investing, buy-and-hold, or fundamental research. It uses heuristics, or explicit rules, to benefit from a behavioral perspective. Following trends is straightforward, uncomplicated, and evidence-based.

Boom-Bust cycles are established on longer timeframes, although analogous swings on a shorter timescale may be examined as a mean reversing pattern.

Mean reversal capitalizes on large price movements with the assumption that they would return to their original state. It is mostly a statistical market occurrence.

Libertify employs a financial algorithm to examine each asset and converts the resultant signals into risk-adjusted, investor-specific recommendations. Our method is probabilistic with the trend-following strategy, stochastic in measuring the strength of price action, and opportunistic in capturing rebounds and market breath with its mean-reversing technique.

The primary goal is to obtain a better understanding of who you are by constantly tailoring the experience to your specific traits. To accomplish this, we developed a sophisticated artificial intelligence with the best interests of the investors in mind.

You are ask to complete a short but meaningful risk assessment quiz during the onboarding process. That is when your Libertify journey begins. It is your conscious self, or, more accurately, a distorted representation of who you feel you are at that moment.

We believe that realities may alter depending on market environment as well as other unrelated external variables.

Our objective is to adjust our advice depending on your surrounding environment, which is always changing and often unique. As a result, we create a custom neural network based on the characteristics of each individual investor, and we keep feeding it with data points produced from your Libertify activities.

We look at the following types of events:

· Your portfolio content

· Your past trades

· Portfolio composition

· Tokens characteristics

· Market context (macro and micro)

· Market sentiments

· Your interactions with Libertify advice

· Lookalike/clustering methods

Your risk score is likely to fluctuate on a regular basis as a consequence of your behaviors on Libertify. Your neural network generates this score change. The Libertify financial algorithm uses this score to determine daily position sizing in order to expose you to the market for each of his assets.

How to get Bitfinex API Key and Secret Key

Login to Libertify and navigate the Accounts tab within the settings page. We need 3 primary pieces of information: the exchange you’ll be using, your API Key, and your API Secret key.

Let's go!

• Login to Bitfinex

• Navigate to the top right of your page

• Click on the Account button as signaled below in the red square

• Select API Keys in the dropdown menu

Next Step

You will be forwarded to the next page where you need to click on Create API Key as highlighted below by the red square:

Next Steps

1. Choose name of your API Key in Label that you can find in the down right corner as highlighted by the red square

2. Manage permission, put the toggle on where necessary

3. Click Generate API Key
   ​

Next Step

Pass 2FA check.

After, you will see your API key and API secret. Copy these values into Libertify:

​

You will be notified of a successful connection.

Once you have successfully linked your API keys, data should appear in your account dashboard. If it does appear immediately, please wait up to 15 minutes for the info to load. If you still experience issues, please contact us at hi@libertify.com.

How to get Gate.io API Key and Secret Key

Login to Libertify and navigate the Accounts tab within the settings page. We need 3 primary pieces of information: the exchange you’ll be using, your API Key, and your API Secret key.

Let's go!

• Login to Gate.io

• Navigate to the top right of your page

• Click on the Account button as signaled below in the red square

• Select API Management in the dropdown menu

Next Step

You will be forwarded to the next page where you need to click on Create API Key as highlighted below by the red square:
​

Now, create a name for your API label in Remark. You can choose any name but it helps to call it Libertify:

The permissions required are:

• Spot/Margin Trade - Read and Write

• Wallet - Read Only

In IP Permissions, input Pre Populated IP address provided by Libertify:
​

Next Step

Complete 2FA Verification:

Next Step

Copy Key and Secret that are highlighted by red square into Libertify:
​

You will be notified of a successful connection.

Once you have successfully linked your API keys, data should appear in your account dashboard. If it does appear immediately, please wait up to 15 minutes for the info to load. If you still experience issues, please contact us at hi@libertify.com.

How to connect MetaMask

Desktop

You must have the MetaMask extension installed in your browser.

• Go to Libertify app;

• click on Connect

• choose Connect Wallet

• select the first option - ‘MetaMask’;

• confirm connection to Libertify in MetaMask

Now you can operate with Libertify in your desktop browser and confirm transactions through the MetaMask extension.

Internal browser - iOS and Android

The best way to connect the MetaMask app to Libertify on your mobile phone is by using the MetaMask app’s internal browser.

• Open the MetaMask app on your mobile phone;

• click on the ‘menu’ button in the upper left corner;

• select ‘browser’;

• click on the header and type Libertify in the URL field;

• on Libertify app choose Connect, then Wallet select ‘MetaMask’.

You can now use the MetaMask internal browser for interaction with Libertify.

WalletConnect

To connect the Metamask app on your mobile phone to a browser on your desktop, use the 'WalletConnect' option.

• In a desktop browser, go to Libertify app;

• click on Connect, then Wallet and choose 'WalletConnect'. A QR code will be displayed on the screen;

• on your mobile phone, open the MetaMask app;

• click on the "menu" button in the upper left corner;

• select "wallet";

• in the upper right corner, click on the ‘QR-code scanner’ icon and point the phone’s camera to the QR code on the screen;

• confirm connection on your phone.

Interact with Libertify in your desktop browser and confirm transactions from your phone.

Introduction: In this article, we will provide a clear and formal guide on how to connect your Coinbase user account to Libertify. Connecting your Coinbase account to Libertify is a simple and straightforward process. We will outline the steps involved to ensure a seamless experience. If you encounter any issues during the process, please do not hesitate to contact us for assistance.

Step 1: Sign Up with Email Option

• Open the Libertify app and navigate to the homepage.

• Choose the option to sign up using your email.

• Follow the on-screen instructions to complete the sign-up process.

  

Step 2: Select the Coinbase Option

• Upon successful sign-up, you will be directed to a page where you can choose which wallet or exchange to connect with.

• In this step, select the Coinbase option located under the exchange section.

  

Step 3: Coinbase Sign-In

• After selecting Coinbase, you will be redirected to the Coinbase sign-in page.

• Enter your Coinbase account details, including your username and password.

• Follow any additional security measures prompted by Coinbase, such as two-factor authentication, if applicable.

• Click on the "Sign In" button to proceed.

  

Step 4: Return to Libertify App

• After successfully signing in to Coinbase, you will be redirected back to the Libertify app.

• At this point, you have the option to add exchanges to your Libertify account or continue using the app.

Congratulations! You've successfully completed the process. Now it's time to choose the option that suits your protection preferences and continue building your profile.

How to get Bitfinex API Key and Secret Key

Login to Libertify and navigate the Accounts tab within the settings page. We need 3 primary pieces of information: the exchange you’ll be using, your API Key, and your API Secret key.

Let's go!

• Login to Bitfinex

• Navigate to the top right of your page

• Click on the Account button as signaled below in the red square

• Select API Keys in the dropdown menu

Next Step

You will be forwarded to the next page where you need to click on Create API Key as highlighted below by the red square:

Next Steps

1. Choose name of your API Key in Label that you can find in the down right corner as highlighted by the red square

2. Manage permission, put the toggle on where necessary

3. Click Generate API Key
   ​

Next Step

Pass 2FA check.

After, you will see your API key and API secret. Copy these values into Libertify:

​

You will be notified of a successful connection.

Once you have successfully linked your API keys, data should appear in your account dashboard. If it does appear immediately, please wait up to 15 minutes for the info to load. If you still experience issues, please contact us at hi@libertify.com.

How to get Gate.io API Key and Secret Key

Login to Libertify and navigate the Accounts tab within the settings page. We need 3 primary pieces of information: the exchange you’ll be using, your API Key, and your API Secret key.

Let's go!

• Login to Gate.io

• Navigate to the top right of your page

• Click on the Account button as signaled below in the red square

• Select API Management in the dropdown menu

Next Step

You will be forwarded to the next page where you need to click on Create API Key as highlighted below by the red square:
​

Now, create a name for your API label in Remark. You can choose any name but it helps to call it Libertify:

The permissions required are:

• Spot/Margin Trade - Read and Write

• Wallet - Read Only

In IP Permissions, input Pre Populated IP address provided by Libertify:
​

Next Step

Complete 2FA Verification:

Next Step

Copy Key and Secret that are highlighted by red square into Libertify:
​

You will be notified of a successful connection.

Once you have successfully linked your API keys, data should appear in your account dashboard. If it does appear immediately, please wait up to 15 minutes for the info to load. If you still experience issues, please contact us at hi@libertify.com.

How to connect MetaMask

Desktop

You must have the MetaMask extension installed in your browser.

• Go to Libertify app;

• click on Connect

• choose Connect Wallet

• select the first option - ‘MetaMask’;

• confirm connection to Libertify in MetaMask

Now you can operate with Libertify in your desktop browser and confirm transactions through the MetaMask extension.

Internal browser - iOS and Android

The best way to connect the MetaMask app to Libertify on your mobile phone is by using the MetaMask app’s internal browser.

• Open the MetaMask app on your mobile phone;

• click on the ‘menu’ button in the upper left corner;

• select ‘browser’;

• click on the header and type Libertify in the URL field;

• on Libertify app choose Connect, then Wallet select ‘MetaMask’.

You can now use the MetaMask internal browser for interaction with Libertify.

WalletConnect

To connect the Metamask app on your mobile phone to a browser on your desktop, use the 'WalletConnect' option.

• In a desktop browser, go to Libertify app;

• click on Connect, then Wallet and choose 'WalletConnect'. A QR code will be displayed on the screen;

• on your mobile phone, open the MetaMask app;

• click on the "menu" button in the upper left corner;

• select "wallet";

• in the upper right corner, click on the ‘QR-code scanner’ icon and point the phone’s camera to the QR code on the screen;

• confirm connection on your phone.

Interact with Libertify in your desktop browser and confirm transactions from your phone.

To configure API key correctly please follow the instructions outlined below.

How to configure API keys

1. Incorrectly configured API keys can lead to the loss of all funds at an exchange. Please pay attention to the following points and handle API keys very carefully, just like your passwords;
   ​

2. When creating a new API key, always assign only the required permissions;
   ​

3. Libertify requires keys with read and trade permissions;
   ​

4. Make sure that your keys have withdrawal permission;
   ​

5. Use an API key only with a single service (like Libertify). Using one key for multiple services will always result in errors;
   ​

6. All API secrets stored at Libertify are encrypted and cannot be viewed or decrypted by our employees. We will never ask you for keys with permissions other than 'read’ and ‘trade’;
   ​

7. Some exchanges allow whitelisting of IPs. This increases the security of your key. You can find IPs used by Libertify here;
   ​

8. Do not write down API keys and secrets locally on your computer or in the cloud;
   ​

9. If your browser automatic saves form data and passwords, make sure that your API secrets are not stored;
   ​

10. Never share your keys with services you don't trust;
    ​

11. A few exchanges do not have any API permissions and each key has full access. Avoid such insecure exchanges and switch to trustworthy exchanges.

Throughout this article, we will discuss the possible issues that can arise with your exchange API keys and how we can resolve those issues.

You can find full instructions here.

Incorrect API Key Permissions

The first thing to check when trying to debug potential exchange API key issues is to ensure the correct permissions have been enabled for your API keys.

In general, Libertify requires all Balance data access and Trading access. Since every exchange is different, we've created individual guides for each exchange we support to discuss the API Key linking process.

You will find a tutorial for each exchange. Select the exchange you are experiencing issues and closely check the settings to make sure the settings on your API keys match the guide.

Crypto Exchange Deleted Your Keys

Although this is rare, there have been instances when exchanges have removed API keys. This usually takes place during drastic changes to the exchange or security breaches. When one of these events happens, you will need to create brand new API keys by logging into your exchange account and following the tutorial which is relevant for your exchange.
​

How To Update exchange API keys

There are occasionally times where the API keys you've linked to Libertify need to be updated. This can be because of an API upgrade, a data breach, requiring additional permissions, adding IP Whitelisting, the list goes on.

This help article will walk you through the process of updating your API Keys within Libertify. By using the "Update Keys" feature rather than our "Delete Keys" feature, you ensure that you retain all of the data within our system that is tied to your API keys.
​

First, you need to create a new set of API keys on your exchange account.
​

Once you have your new set of API Keys go to Settings -> Accounts and select "Edit" for the exchange account you wish to update:

❗Note:
Deleting your API keys is essentially a factory reset and you will lose all data including trade/balance history, performance, cold storage balances, etc.
​

At this point, you will need to enter your public and secret API Keys. Once you've done so, you will be able to select Update Keys. This will replace your old keys and keep all of your historical data. You can then exit out of this dialog and continue using Libertify as normal.

Have questions, comments or concerns? Feel free to reach out to us via chat or email at hi@libertify.com.

So you’ve got a Libertify account, a crypto exchange account, and you know investing risk-adjusted (investing at a risk you can afford) could help protect your capital. But you don’t understand API keys or why they are needed. Keep reading!

What are API Keys anyways?

API keys are the way we can link your cryptocurrency exchange account to our Libertify risk-management solutions in order to access your balances, execute trades, and more. Please note: We can never, withdraw or deposit your money.

API keys therefore allow our servers to connect to your exchange account and manage your portfolio. Once connected, this automated way prevents you from needing to log into the exchange directly, every time we recommend at trade. But instead, allows us to manage your assets on your behalf, saving you time and missed opportunities..

You can find your API keys in no time by following a set of simple instructions.

How to get Kraken API Key and Secret Key

❗Note:
There are a number of confirmation and set up stages in-between each of these steps. Some of the missing steps include steps for setting up and entering 2FA codes. These were excluded because there were many of these intermediate steps.

Log into your Kraken account. Once you have logged in, use the account dropdown menu in the top right corner and select API:
​

Once you have navigated to the API page on Kraken, click on Add Key:

​

Once your keys have been created, it is important to remember that Libertify requires access to APIs for trading and collecting data on your account. You can see in the image below all of the settings that should be enabled on your Kraken API keys:

These include: Query Funds, Query Open Orders & Trades, Query Closed Orders & Trades, Modify Orders, Cancel/Close Orders, and Query Ledger Entries. Libertify does not require Withdrawal Funds or Deposit Funds. These options should be left disabled.

Once these have all been enabled, create the API keys by clicking Generate Key:

Once the keys have been generated, you should be taken to the following page. This page shows both the API Key and Private Key (a.k.a. - API Secret):

​

Now that the keys have been created, the API Key and Private Key should be copied so we can input them into the Libertify application.

​

Please do not use the options on Kraken for adding a Password or 2 Factor Authentication to your API key. Libertify will not be able to make trades on your account if you add these extra settings to your keys.

Please make sure to use Pre Populated IP address from Libertify app:

❗Note: IP address might change, it might not always be the same. Make sure you input a correct pre populated address before continuing.

Now that you have the two parts of your Kraken API Keys, you can connect your account to Libertify by clicking the Connect: button.

Then, pick Kraken and input the details (API Key and Api Secret):

Once done, you should get a message informing of successful connection:

Once you have successfully linked your API keys, data should appear in your account dashboard. If it does appear immediately, please wait up to 15 minutes for the info to load. If you still experience issues, please contact us at hi@libertify.com.

Occasionally, user interfaces can change between the time the article was written and when you utilize it. In most cases, API keys are accessible through My Account or the Settings tab under API or Security.

How to get Coinbase Pro API keys

❗Note:
There are a number of confirmation and set-up stages in-between each of these steps. Some of the missing steps include steps for setting up and entering 2FA codes. These were excluded because there were many of these intermediate steps.

Log into your Coinbase Pro account. Once you have logged in, you will see a page that looks similar to the one below. Navigate to your API keys by selecting the drop-down menu next to your name, then selecting API:

​

Once you have navigated to the API Settings page on Coinbase Pro, click on New API Key:

Add an API Key:

​

While creating your keys, it is important to remember that Libertify requires access to APIs for trading and collecting data for your account. You can see in the above image all of the settings that should be enabled on your Coinbase Pro API keys.

These include: View and Trade.

Libertify does not require activation of Transfer. This option should be left disabled.

Finally, choose IP Whitelist and add the IP address provided by Libertify in the required field:

Please make sure to use Pre Populated IP address from Libertify app (IP address is subject to change):
​

❗Note:
Before continuing, Coinbase Pro has an extra component to their API Keys. This is the Passphrase. This passphrase should be copied into a secure location so you can input this passphrase into Libertify in the future. You can see that the Passphrase is located on this screen. Take a moment to copy this value. Once these have all been enabled, create the API keys by clicking Create API Key.
​

Once the keys have been generated, you should be taken to the following page:

​

This page shows the API Secret. This value should be copied and stored in a secure location along with your Passphrase. This screen will not be shown again, so there is no way to retrieve this secret key once you close the screen.

The final component to your API keys is the public key. This key is found on this page:

​

Copy this value so you can input it in the Libertify application and link these two accounts.

Now that you have the 2 different components for your Coinbase API Keys, you can connect your account to Libertify by selecting Connect:

Then, pick Coinbase and input the details (API Key and Api Secret):

Once done, you should get a message informing of successful connection:

Once you have successfully linked your API keys, data should appear in your account dashboard. If it does appear immediately, please wait up to 15 minutes for the info to load. If you still experience issues, please contact us at hi@libertify.com.
​

​

How to get Binance API Keys

Login to Libertify and navigate the Accounts tab within the settings page. We need 3 primary pieces of information: the exchange you’ll be using, your API Key, and your API Secret key.

Let's go!

1. Login to Binance

2. Navigate to the top right of your page

3. Click on the Account button as signaled below in the red square

4. Select API Management in the dropdown menu

Next Step

You will be forwarded to the next page where you need to click Create API Key as highlighted below:

Now, create a name for your API label as highlighted below. You can choose any name but it helps to call it Libertify:

​

Click Next. Enter your 2FA code if needed.

You will receive an email with a link. Click on it to verify the login. This link may expire after 15 minutes.

Your API Key and Secret Key will be displayed below:

1. For API Key: hit copy, go back to Libertify app and paste it in the API Key field

2. For the Secret Key: you need to highlight it manually, copy, go back into Libertify app and paste it in Secret Key field

Next Step

Once done, click on Edit Restrictions as highlighted below and

1. Enable SPOT AND MARGIN TRADING

2. Make sure ENABLE WITHDRAWALS is NOT selected

Next Steps

1. Choose Restrict access to trusted IPs only

2. Go back to the Libertify app and copy Pre Populated IP address

3. Paste it into the field highlighted below

4. Hit SAVE

Please make sure to use Pre Populated IP address from Libertify app:

You will be notified of a successful connection.

Once you have successfully linked your API keys, data should appear in your account dashboard. If it does appear immediately, please wait up to 15 minutes for the info to load. If you still experience issues, please contact us at hi@libertify.com.

To rebalance and diversify your portfolio, we need an API to talk to the exchange.
You can find your API keys in no time by following a set of simple instructions.

Please refer to the following articles:

• How to link Binance API keys

• How to link Binance.US API keys

• How to Link Gate.io API keys

• How to Link Bitfinex API keys

• How to Link Metamask with Libertify

❗Note:
Incorrectly configured API keys will prevent Libertify from working normally. Please refer to this article to avoid issues.

If you have any inquiries, please don't hesitate to contact our support team via live chat or email at hi@libertify.com.

​

Wrapped Ethereum, or Wrapped ETH for short, is what WETH stands for. It is an ERC-20 token. The ERC-20 protocol is used by all tokens made on Ethereum, except for ETH, which is not part of this protocol.

A smart contract on the Ethereum network lets users wrap ETH into WETH. This makes ETH easier to use. This is called "wrapping," and when it's done, WETH tokens are made.

The main benefit of using WETH is that it lets users hold ETH in a more compatible token format.

WETH can be used on decentralized exchanges and to buy goods and services where WETH is accepted as payment.

Your WETH will always be exchangeable for ETH at a 1:1 ratio.

You can find the token contract for WETH here.

You can't have more or less ETH in the contract than what was put in. The code says that you will be able to withdraw each and every ETH you put into the contract.

You can find a good article here.

Libertify is neither a crypto exchange nor a wallet. Therefore, we do not hold or have access to your funds.

When you sign up with Libertify, we ask you to connect your wallet or exchange where you hold your funds. This verified connection gives Libertify permission to conduct authorized trades on your behalf. However, you don't grant us withdrawal rights. Hence your funds cannot leave your account.

You can only deposit funds to your wallet or crypto exchange account (Binance, Kraken, Coinbase, etc.). Once added, we will sync the updated data with your Libertify account. Afterward, you will see your full portfolio on Libertify.

As soon as the funds appear in your Libertify account, you can protect them. If you already set up 100% protection, Libertify will apply it across all assets at the next daily rebalancing. The time of rebalancing can be modified in your account in the Advice Settings.

Libertify aims to protect your wealth by offering a tailored risk-adjusted strategy based on your risk profile and owned assets.
​

However, we cannot guarantee the full money recovery. The actual performance depends on:

• Amount of time you've been using our platform;

• Market volatility;

• A number of accepted recommendations. However, if you don't refuse our trades, you may recover your money.

Libertify is designed to protect portfolios from large drawdowns but can also provide returns to users if they follow the platform's recommendations or leverage automated trades.

We use our algorithms to identify the low points sloping upward and high points sloping downward to catch upward and downward trends, respectively.

Yes. Our platform is safe.

1. Your money remains in your wallet or crypto exchange at all times. Not with us.
   
   We do not have access to withdraw or deposit your funds, nor do we ever take custody of your funds. You only ever provide us with permission to trade the assets you have in your portfolio. For example - if you have $1000 in BTC in your wallet or exchange, Libertify may only trade this. You can also configure a certain proportion of this for protection through the settings page.
   
   ​

2. Libertify maintains rigid application security measures.
   
   Libertify’s procedures and controls have been third-party audited to ensure the security, availability, processing, integrity and confidentiality of our customers’ information, including periodical penetration tests and on-going risk mitigation.
   
   ​

3. Cloud Security​

   Libertify uses Amazon Web Services (AWS) to host its services and is protected by AWS’s data centers and compliance programs in its infrastructure. AWS provides high availability, dependability, and scalability.
   
   ​

4. Organizational Security

   All Libertify employees and contractors have agreed to confidentiality terms and have passed background screenings, extensive security, and privacy protection training.

You have just connected your exchange account and are unsure of the next step.

Libertify synchronizes your exchange account information and displays it on the "Portfolio" tab of the Libertify interface. It can take up to 30 minutes to synchronize. You can speed up the synchronization by using the small icon to refresh your portfolio.

You can initiate your assets' protection (monitoring) from this page.

To do this, either select the "Protection" icon to the right of each line of assets (if you are using a desktop computer) or drag the bar of an asset to the left so that the "Protection" option appears below and to the right.

This option launches a new page from which you can select either 100 percent protection or custom protection (less than 100 percent).

100% protection enables you to initiate daily surveillance of your asset on its total number of tokens.

For instance, if you have 100 ABC tokens, the 100 tokens can be monitored, and recommendations can be generated for the 100 tokens.

In the Custom Protection menu, if you set protection to 50%, Libertify will only make recommendations for 50 tokens, leaving you to manage the remaining 50 tokens yourself.

For 50% protection, orders will only be issued on 50 tokens in Autopilot mode.

Note that you must have previously purchased tokens on your exchange account so that Libertify can monitor and protect them. If you only have stablecoins (USDC, USDT, BUSD...), Libertify will not be able to protect them because they are not volatile. In this case, go to your exchange platform and buy the assets you want and come back to Libertify to protect them.

Free your mind with Libertify

It is necessary to make sure that the seatbelt is either green or orange for Libertify to monitor a token. If the seatbelt is red, it means the token is not under surveillance.

The method of putting on the seatbelt differs if it is a wallet attached to an exchange account or if it depends on a decentralized wallet.

1- Portfolio linked to an exchange account

When initially connecting an exchange account, all seat belts are green by default. This indicates that Libertify is tracking the entire amount of tokens.

What does monitoring actually mean? Libertify's surveillance is performed each day at a predetermined time. (you have the possibility of modifying the time which by default is at 10 am). Every day at 10 a.m., Libertify's algorithms perform numerous analyses to estimate whether the token's price is "statistically" at an acceptable level relative to its past price, the price dynamics over a given period, and the relative intensity of price movement. After conducting this analysis, Libertify determines the token's risk exposure based on your personal risk profile. For instance, the algorithm can specify that 75% of token A must be invested. If it was all invested, Libertify suggests temporarily selling 25% of token A for cash. (stablecoin). This 25% of currency cannot be used for anything other than purchasing token A when the algorithm deems it necessary to bolster your position once more.

The default mode for receiving advice is Manual mode. Manual mode sends a recommendation via email, notification, and other selected communication modes and asks you to decide if you want to follow the recommendation. You can either accept the recommendation, decline it, or ignore it and do nothing.

If you accept the recommendation, Libertify prepares and sends an order to the connected exchange. Once received, the exchange will carry out the order automatically. You do not need to log in to your exchange to place the order yourself. This therefore saves time and makes it easier to perform.

Autopilot mode is a mode that you can turn on and off at any time by going to My Account, Advice Settings. You can activate this mode per portfolio if you wish.

This mode generates an advice as for the Manual mode. You receive it by email and in the application, but unlike the previous mode, you have programmed Libertify so that the recommendation is accepted automatically and the order is placed automatically on your exchange. This mode allows you not to miss any advice and not worry about your portfolio on a day-to-day basis.

2- Portfolio linked to a wallet

Watch the demo video here: https://intercom.help/libertify/en/articles/7051105-how-to-protect-and-unprotect-a-token-from-a-wallet

Investors in the blockchain space face unique risks that are not present in traditional financial markets. Smart contracts, in particular, are an important part of the blockchain ecosystem. They allow investors to make automated transactions without the need for middlemen. However, the reliability and security of smart contracts are critical, as they can be directly responsible for the management of investors' funds.

That's why a third-party audit is crucial when investors use a smart contract on the blockchain. An independent audit helps to identify and mitigate risks associated with the smart contract's functionality and security. The audit should cover all aspects of the smart contract, including code review, security assessment, and functionality testing.

You can download and read the 20 pages audit from the reputable HACKEN auditors.

In conclusion, a third-party audit is essential for ensuring the security and reliability of smart contracts on the blockchain. At Libertify, we prioritize the safety and security of our investors, which is why we had our smart contract audited by an independent third party. We're committed to maintaining the highest standards of security and reliability in the blockchain space, and we will continue to take all necessary measures to protect our investors' assets.

Check out this step-by-step short video to learn how to check the different transactions you can initiate (deposit, redeem) on the blockchain from the Libertify app.

Check out this short video for a step-by-step guide to protect one of your tokens in your wallet and then unprotect it.

Check out this short video for a step-by-step guide on creating an account with a wallet.

Check this video and get all the answers to create an account and connect a centralized exchange account such as Binance, Coinbase....

The portfolio page lists all the assets (tokens, shares) on your account.

This page is refreshed every 30 minutes by synchronizing your exchange account/wallet with Libertify.

Each token except Fiats (dollars, euros...) and stablecoins (USDT, USDC, BUSD,...) has two features:

• Insights (in mobile mode, a swipe to the right is necessary on the token to access it) which presents financial information relating to this asset,

• Protection (swipe to the left on mobile) allows Libertify to start monitoring the asset. It sends recommendations in the form of notifications (in-app notifications, mobile notifications, emails, sms...based on your account settings).

Monitoring is part of the Crypto Seatbelt product invented by Libertify.

At the end of this analysis, Libertify figures out how much market exposure you could take based on your risk profile. This helps you get the best results and avoid taking risks that aren't necessary.

The analysis is "probabilistic" and cannot be considered certain. This is a financial analysis that determines, according to our algorithm, what should probably happen.

We know that previous Crypto Seatbelt recommendations outperformed the market in terms of risk-adjusted performance over 12-month periods in 99% of the tokens.

That's why we recommend users stay invested with Libertify long enough to get the most benefit. A minimum of 90 to 120 days is required.

To activate the "Protection" of the Seatbelt, you must therefore perform an action which is to select the asset to be protected and choose whether you want to "monitor" the whole token or only part of it.

The Crypto Seatbelt breaks down the amount invested in a token between a part invested in the token and a part placed in a stablecoin. This ratio is recalculated every day and if it becomes necessary to modify it, then a recommendation is sent to you so you can act.

The stablecoin part is "attached" to the asset that is being protected. This means that Libertify cannot use these stablecoins to invest in another token. This part of your asset is somehow linked to the protected underlying token.

When Libertify calculates an increase in your exposure in the following days, then it is this share of stablecoins that will be used to be converted into the token.

Since stablecoins are like cash, if the market goes down, that part will not lose value. Only the part of the tokens will be exposed to the market's fall.

Thus, you are partially protected.

You can also choose Autopilot mode, which will accept the advice for you automatically. The Autopilot mode can always be turned off. To set up this mode, you need to visit your ACCOUNT section from the dashboard page and go to the ADVICE SETTINGS page to turn on the toggle for each of your portfolios we want to protect in Autopilot mode.

If you have connected your wallet to Libertify, any individual crypto asset that you select for a risk adjustment investment strategy shall be deposited and managed in a secure vault, the "Libertify VAULT", aka the L-Vault. As its name suggests, vaults are safe.

But is it safe? How is it protected? And, who has access to it?

Let's start with the basics - What is an L-Vault?
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1. An L-Vault is a secure crypto storage and management facility
   
   Think of an L-Vault as a fortified storage facility with an unlimited number of private safety boxes. The boxes are used to store and securely protect specific assets of financial value for its members.
   
   In the digital world, the L-Vault is a piece of code that builds a blockchain-based "smart contract" that not only stores and safeguards your crypto assets but can also trade them. The vault uses the unique risk-adjusted investment strategy Libertify has invented for the retail investor.

   
   Like in the real world, the L-Vault is secure. This means:
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   • No one except you has the "key" to your private box

   • No one except you can deposit or withdraw any of your assets

   • No one, not even the builders or managers of the L-vault have access to the contents within. Therefore, not even Libertify. No one BUT you.

   • Lastly, for the avoidance of doubt, Libertify can NOT freeze your withdrawals.

2. An L-Vault is asset-specific and risk profile dedicated
   
   An L-Vault is dedicated to a specific asset. For each crypto asset, there are 4 sub-vaults, each representing a different risk profile - conservative, moderately conservative, moderately dynamic, dynamic.

   
   For example, if you have a risk profile of a Tiger and select ETH and Matic to be risk protected, they shall be deposited and managed in two L-Vaults - 1) the L-ETH Tiger Vault and 2) the L-Matic Tiger Vault (L = Libertify).

   
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3. An L-Vault is mutual but segregated
   
   An L-Vault can be shared with many other wallets/members, like a mutual fund. This has many benefits, such as lower transaction fees (aka gas fees) for you as they are split between the number of participants.

   Please note: As mentioned before, even though the L-Vault is shared with other members, your crypto is completely segregated and inaccessible to them.

   
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4. An L-Vault delivers proof of deposit

   So what happens when you select and deposit your crypto assets into an L-Vault?
   
   As you deposit your asset into the L-Vault you receive an LP token in return (LP = Liquidity Provider).

   An LP token is a blockchain-compliant digital certificate that confirms your membership and ownership in that vault. This is created (or minted) in real time and is sent automatically to your wallet for your safekeeping. Think of it as a type of receipt.

   
   This LP token you receive ( that is "minted" in the DeFi world as an ERC-20 token) is compliant with the strict security rules, regulations, and protocols of the blockchains.

   The LP token is also a smart contract and acts as a dynamic, digital ledger of all transactions processed. In other words, it is fungible, meaning it continues to update and present new confirmations each time Libertify executes a trade on your behalf. (To trade your crypto risk-adjusted, regular transactions shall take place exchanging crypto assets to stablecoins and vice versa).
   
   The LP token, containing the proof of purchase and details of each transaction, is always accessible to you via a link made available through the Libertify app.

   

   
   For a real-life example, go here

5. An L-Vault is transparent and immutable
   
   Because the L-Vault sits on the blockchain, all data is transparent and immutable.
   
   The details of each transaction include but are not limited to the date of entry, time stamp, vault name, asset name, percentage of ownership, asset value, and more.

   
   Each transaction recorded is immutable, meaning once it is written, it cannot be changed over time.

   
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6. An L-Vault is anonymous
   
   Your identity, along with the identity of all the members within the L-Vault, remains anonymous/pseudonymous at all times. You can identify your wallet through your wallet address.

   

   
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7. An L-Vault is Libertifying

   
   You can withdraw your assets at any time. You have control.
   
   In order to withdraw your assets, you need to prove they are yours. You do this by returning (redeeming) the LP token that was given to you ( ie your receipt). In return for the receipt, you shall get your assets back.
   
   In order for the L-Vault to be balanced, as you return the LP token, it shall be destroyed (burnt).

Inherent risks to all DeFi applications
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Because your assets are stored in the smart contract of the vault, it is possible to withdraw them at all times (it is not possible for Libertify to “freeze withdrawals”).
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There are, however, some risks that come with DeFi that you need to be aware of.

• Logical issues with the smart contract
  
  Smart contracts are programs written by humans, they might have bugs. In order to mitigate the risk of an issue with the logic of the vault, Libertify has commissioned external auditors to review the code of the smart contract.
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• Slippage and price impact during deposit, withdrawal, and rebalancing:
  
  The vault may be allocated in a mix of the asset and stablecoins depending on the market conditions. Every time a rebalancing happens, there is a fee paid to the decentralized exchange by the vault. Our algorithm aims to overcome that fee by over-performing the market and the fee paid to the exchange.

  
  Similarly, when depositing or withdrawing from a vault that is currently allocated partly in asset and partly in stablecoin, part of your owning will be swapped from or into asset with a small fee paid to the decentralized exchange. That small cut from your crypto shall be repaid over time by over-performing buy and hold in case of a deposit. Same in case of a withdrawal.
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• Price manipulation in the oracle: Our smart contract relies on third-party oracles serviced by Chainlink. Price manipulation of the oracle might have consequences on the total value locked in the vault. Chainlink is a reputable service provider with impeccable track record, still user should do their research about price feed oracles and how they provide quotes on-chain.

Libertify is a revolutionary new platform that will change how you monitor and protect your assets. We currently support Ethereum and Polygon blockchains, but we plan on adding more blockchains in due course so as always be sure to stay tuned!

Should an error message appear, or your can find or toggle a token for protection while you connecting too, or having connected with your portfolio, it could mean that the token isn't supported yet.

Supported blockchains and associated tokens through our Libertify Vault

The following tokens are currently in process. We're constantly adding more blockchains and tokens so stay tuned for updates!

Our vision at Libertify is to make risk-management solutions accessible to all. Accordingly, we strive to support a comprehensive suite of popular blockchains and tokens for our Defi orientated investors.

Operating within such a fast paced market, new blockchains, tokens and protocols are created everyday. Naturally we are not able to support them all at once so our products and roadmaps are defined mainly according to the market's most dominant players.

Supported blockchains and associated tokens through our Libertify Vault

Don't see the blockchains or your tokens supported here and you'd like us to consider it?

Please send us a message through our chat.

How to change a trade

Should you need to need to change a trade, you can do so directly through your wallet or exchange. Simply, login to your exchange or wallet and change the buy and sell orders as required.

Please note a trade can not be reversed or cancelled through the Libertify platform.

Yes, you can connect to more than one crypto exchange account or DeFi wallet.

You can connect as many wallets and exchange accounts as you want. There are no restrictions!

We currently support several crypto exchanges:

• Binance

• Kraken

• Gate.io

• Bitfinex

• Coinbasepro

• Coinbase

• KuCoin

• OKX

• Bybit

• Binance.us

• Crypto.com

• BitMex

You can start investing with risk protection in no time once you connect one of the exchange accounts with API keys.

Please refer to the following articles on how to link API keys:

• How to link Binance API keys

• How to link Binance.US API keys

• How to link Coinbase Pro API keys

• How to link Kraken API keys

• How to link Gemini API keys

• How to link Huobi API keys

If you have any inquiries, please don't hesitate to contact our support team via live chat or email at hi@libertify.com.

Every day, our solution computes the possibilities of your assets increasing or decreasing, and by what amount. If the predicted reward exceeds the cost of the trade, you will receive a notification and be presented with a set of insights as to why you were advised to take such a position. You can deice whether to accept or reject.

You are sent notifications in both manual and autopilot modes. Based on the past twenty-four months, you can anticipate to receive investment advice alerts every 2 to 3 days on average. In any event, you will receive no more than 1 recommendation every day.

You have the ability to set up or modify your Advice Settings anytime instructing us to where and what time you would like to receive the advice.

Libertify supports the world's largest exchanges. If your exchange is not listed or can not be found, please contact us with the name of your exchange and we shall provide you with a status of that specific integration.

We currently support several crypto exchanges:

• Binance

• Coinbase

• OKX

• Gate.io

• Bitfinex

• Kraken

We will be adding several other crypto exchanges soon:

• Coinbasepro

• KuCoin

• Bybit

• Binance.us

• Crypto.com

• BitMex

You can start investing with risk protection in no time once you connect one of the exchange accounts with API keys.

Please refer to the following articles on how to link API keys:

• How to link Binance API keys

• How to link Kraken API keys

• How to link Bitfinex API keys

• How to link Gate.io API Keys

• How to link Coinbase API Keys

If you have any inquiries, please don't hesitate to contact our support team via live chat or email at hi@libertify.com.

‘Diamond hands’ is a term coined by traders who were active Reddit users.
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What exactly does diamond hands mean?

Commonly depicted in this emoji form (see below), ‘diamond hands’ refers to someone who has a high-risk tolerance and can stomach high volatility of assets that they own.

Diamond hands don’t surrender under pressure and keep the assets no matter what, essentially.
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Is there more to diamond hands?

Well, other than the literal explanation of why it’s called diamond hands is because they continue holding on to the assets until they become valuable, like a diamond.

Bear markets are characterized as a period of time where supply is higher than demand. In other words, people sell more than they buy. Traders and investors who are pessimistic and believe the prices will continue to plummet are known as "bears."

Bull market is a market situation when the demand is greater than supply. In other words, people buy more than they sell. Traders and investors who are optimistic about the market and confident the prices will trend upwards are referred to as "bulls."

The difference between the bull market (on the left) and bear market (on the right):

Buy the dip is means purchasing an asset at a much lower price. The belief stands that the new price represents a bargain as the" dip" is only a short- term blip and the asset value will rise again.

Like many other trading strategies, buying the dips does not guarantee profits. An asset can drop for many reasons, including changes to its underlying value. Just because the price is cheaper than before doesn't necessarily mean the asset represents good value. The problem is that the average investor has very little ability to distinguish between a temporary drop in price and a warning signal that prices are about to go much lower.

While there may be unrecognized intrinsic value, buying additional shares simply to lower an average cost of ownership may not be a good reason to increase the percentage of the investor's portfolio exposed to the price action of that one stock.

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The goal of this article is to provide an in-depth understanding of Libertify crypto seatbelt feature.

With the crypto seatbelt, we aim to “reduce the risks associated with crypto investment and securely accompany the investor to build wealth safely.”

We rely on three pillars:

1- A risk scoring engine

The primary goal is to obtain a better knowledge of who the investors are by constantly tailoring the experience to their specific traits. To do this, we create a sophisticated AI with the best interests of the investors in mind.

Customers are subjected to a risk assessment during the onboarding process. That is when their Libertify journey begins. It is their conscious self, or, more accurately, a distorted representation of who they feel they are at that moment.

We believe that realities may alter dependent on market environment as well as other unrelated external variables. Our objective is to adjust our advice depending on the investor’s surrounding environment, which is always changing and is often unique. As a result, we create a custom neural network based on the characteristics of each individual investor, and we keep feeding it with data points produced from their Libertify activities.

We look at the following type of events:

· Investor’s portfolio content

· Investor’s past trades

· Portfolio composition

· Tokens characteristics

· Market context (macro and micro)

· Market sentiments

· Investor’s interactions with Libertify advice

· Lookalike / clustering methods

An investor’s risk score is likely to fluctuate on a regular basis as a consequence of their behavior on Libertify. An investor-specific neural network generates this score change. The Libertify financial algorithm uses this score to figure out how much of each of the investor's assets to put on the market each day.

2- Financial market algorithm

We modeled our recommendation algorithm using three timeless evidence and methodologies that have worked across all asset classes and for more than two thousand years of trading assets.

· Trend following

· Momentum

· Mean reversing — Contrarian strategy

We believe that markets are far from efficient and that prices represent the current reality. Randomness exists because there are a lot of moving parts and a lot of people taking part.

In theory, you could use math to figure out how much all of the parts add up to, but since the number of pieces is infinite, you can't be sure what the price will be in the future.

From this idea, we prefer the probabilistic method for figuring out how likely it is that the next event will happen within a day, which is a good timeframe for small investors.

The market is unpredictable and driven by at least two macro forces:

(1) Rational expectations and (2) Reflexivity (theorized by George Soros), which is not only based on fact (fundamentals), but also on the perception of reality.

This financial market dynamic worsens when leverage and cheap credit come into play. This is because leverage and cheap credit make price action bigger, creating a new reality that changes and affects how market participants see things.

The passage of time produces Boom-Bust cycles that are prevalent in cryptocurrency markets. Trend following is an effective method for harnessing the Boom cycle, which takes time to develop. Trend following is not a kind of forecasting, passive index investing, buy-and-hold, or fundamental research. It uses heuristics, or explicit rules, to benefit from a behavioral perspective. Following trends is straightforward, uncomplicated, and evidence based.

Boom-Bust cycles are established on longer timeframes, although analogous swings on a shorter timescale may be examined as a mean reversing pattern.

Mean reversal capitalizes on large price movements assuming they would return to their original state. It is mostly a statistical market occurrence.

Libertify uses a financial algorithm to look at each asset and then turns the resulting signals into investor-specific recommendations that take risk into account. With the trend-following strategy, our method is based on probabilities. It is stochastic when it comes to measuring the strength of price action, and it is opportunistic when it comes to taking advantage of bounces and letting the market breathe with its mean-reversing technique.

3- An A.I. as the nudging engine

The main part is the "nudging engine," which gets investors to act by getting rid of cognitive biases that lead to inaction and bad economic decisions. Investors are subject to inertia. They'd rather keep doing what they're already doing; unless they're pushed hard to change, they stick with the default choice. Inertia also has to do with our beliefs. We tend to be resistant to changing the way we think. Due to inertia or status quo bias, investors delay making a move (to preserve their portfolio or catch a recovery) even if they know they should.

Today, investors have access to a lot of real-time market data and can get analysis from journalists, experts, and people with a lot of influence. Therefore, a lack of data does not prevent decision-making.

Noise is the primary element stopping investors from making the proper decision. How can an investor who isn't a professional decide what to do when there are so many different, well-supported opinions that may come from different points of view? Or a different risk profile?

Only a mechanical solution, such as an artificial intelligence, can eliminate noise and provide objective and probabilistic advice in a disciplined way, without any desire to manipulate the data.

People's subjective opinions and the noise around them are the two main reasons why their decisions don't do as well as simple, consistent rules that are statistically likely and objectively probable.

Libertify develops its own Natural Language Processing (NLP) model that leverages linguistics and computer science to make human language intelligible to machines. With natural language processing (NLP), Libertify processes pertinent information in a matter of seconds by machine learning and artificial intelligence to automatically examine enormous unstructured data sets.

Hence, writing recommendations can be automated, translating data into precise and actionable language. This makes generating complicated financial advice quicker while maintaining accuracy and consistency.

We are currently compiling a collection of expressions that precisely convey the interpretation of quantitative and technical information derived from various financial indicators.

The solution does not involve adopting a language unique to Libertify, which interprets financial signals. Indeed, our solution considers investors' psychology and risk profile.

The artificial intelligence uses a vocabulary of emotions and a variety of adjectives to add to the richness of the phrases and make the nudges even more specific to the customer's profile.

Using a reinforcement learning method, a loopback mechanism improves the AI by figuring out how often an investor follows a recommendation.

Libertify develops and implements a reinforcement learning system for rewarding positive behaviors (accepting advice) and penalizing undesirable ones (failing to follow the advice when ignoring or dismissing suggestions). This strategy provides positive values to desirable behaviors to encourage investors and negative values to undesirable ones. This instructs the investor to seek the greatest possible long-term return to find the ideal answer.

Conclusion

This article popularizes Libertify’s framework for reducing the cognitive biases that all investors are vulnerable to. Along with a lack of discipline, these biases are one of the main reasons why most investors don't do well with volatile financial assets like stocks and the cryptocurrency market.

After suffering a substantial financial loss, the investor chooses the Buy-and-Hold investment strategy out of spite. Nevertheless, Buy-and-Hold is a suboptimal investing strategy since it considers market losses the same as market rises, leaving the investor completely exposed.

Libertify is a simple solution for all investors that considers human psychology, market volatility, and the discipline that enables over time to outperform the performance of Buy&Hold while drastically decreasing its volatility and falls that may cause investors to panic.

What Is a Risk-Adjusted Performance?

Risk-adjusted performance measures the profit from investment by accounting for the degree of risk the user has taken. The goal for risk adjusted performance therefore is to adjust your risk to maximize your every return.

How to Measure Risk-Adjusted Performance

To underdand the full and true value of Libertify's Risk adjustment performance it best to read this article first.

Libertify also uses the Sharpe ratio, one of the most common risk measures used in the investing world.

What is the Sharpe Ratio

The Sharpe ratio is a measure of the excess return (or risk-adjusted return) of an investment relative to its risk. A higher Sharpe ratio indicates that an investment has provided higher returns for the amount of risk taken.

Some of the benefits of having a higher Sharpe ratio are:

1. Improved risk-adjusted returns: A higher Sharpe ratio means that an investment has generated higher returns per unit of risk. This makes it a more attractive investment option as it offers a better balance of risk and reward.
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2. Better performance evaluation: The Sharpe ratio is a useful tool for evaluating the performance of an investment relative to a benchmark or to other investments. A higher Sharpe ratio means that an investment has outperformed its peers or the benchmark.
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3. Better decision making: A higher Sharpe ratio can help investors make better investment decisions. By comparing the Sharpe ratios of different investments, investors can identify the ones that offer the best risk-adjusted returns.
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4. Better portfolio diversification: The Sharpe ratio can be used to assess the risk-adjusted returns of a portfolio. A higher Sharpe ratio means that the portfolio has generated higher returns per unit of risk, which can help improve overall portfolio performance.

Overall, a higher Sharpe ratio is generally seen as a positive indicator of investment performance, and is a useful tool for investors seeking to maximize risk-adjusted returns.

Sharpe Ratio is calculated by taking the return of the investment, subtracting the risk-free rate, and dividing this result by the investment's standard deviation.
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How is the sharp ratio calculated?

What Is Standard Deviation?

Standard deviation refers to the volatility of the portfolio.

For example, top 23 crypto coins can generally rise and fall by about 5% per day over 90-day period. This 5% is their volatility, or standard deviation.
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Example of Sharpe Ratio Calculation

Say you invested in cryptocurrency A that has a volatility (standard deviation) of around 20%, risk-free rate of 5%, and average rate of return of 15%.

In this case, your Sharpe ratio will be calculated in the following way:

Sharpe = (0.15 - 0.05)/0.2 = 0.5

Your Sharpe ratio is equal to 0.5 which is considered bad, meaning you are taking too much risk.

Now, you started using Libertify and your volatility was cut in half. Now, volatility is equal to 10%, thus Sharpe ratio will be calculated differently:

Sharpe = (0.15 - 0.05)/0.1 = 1

Your Sharpe ratio is now 1, which is considered good. It means you are taking an appropriate amount of risk.







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What is Buy and Hold?

"Buy and Hold" is a strategy that allows investors to buy and hold assets for an extended period, without a specific exit point planned. This is a passive strategy and most efficient during bull cycles. It also implies not selling when markets go down or become volatile.

Hodl'ing!

To HODL is a term originating from a typo of "hold". It is crypto slang meaning to "Hold On for Dear Life", basically buy-and-holding almost indefinitely no matter what.

Buy and Holding is essentially a belief that if the current price of an asset is below your entry price, it will eventually surpass it over time. Warren Buffet and and real-estate investors are good examples of Buy and Holders. They bought assets and held them to this day. Consequently, they take advantage of extended time and less volatile market cycles.

Buy and Holding is not always the best long strategy for the average investor.

Hodl'ing in highly volatile markets such as crypto requires strict discipline. In reality, strict discipline is difficult to maintain. Feelings of worry, anxiety, and capitulation (surrender) appear amongst the drawdowns and bear markets impacting financially sound decisions.

In addition to the emotional stress the buy and hold may place you in, you may need to withdraw your funds at any time. You may suddenly need the capital to live off, for a new car, a down-payment on a house, or for a kid's education. But withdrawing at this point may mean your returns are either at a minus or far less than they could have been.

Almost every crypto holder has been through all the phases of an emotional rollercoaster when HODLing: from thrill and euphoria to anxiety, capitulation, anger and depression.

Libertify has invented the Smart Buy & Hold

Libertify focuses on providing risk-adjustment investment strategies allowing you keep the long term horizon of the buy and hold but without experiencing the often severe volatility and drawdowns of the market.

The Smart Buy and Hold intelligently calculates trades according to your risk tolerance and "actively" advises you on the position you should take. Trades can be placed on your behalf, so you can continue being a passive investor, enjoying your best life, protected and worry free.
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