DeFi offers permissionless, global access to finance, but with it comes significant risks that can wipe out user funds. Unlike traditional finance, where deposits are insured, DeFi users are often left completely exposed. That’s why we built Lulo Protect — to give people a way to earn yield in DeFi without constantly worrying about losing everything.

The Problem: DeFi’s Fundamental Risk

When you deposit into a DeFi protocol, you trust that the underlying smart contracts work as intended and that no unexpected exploits will drain funds. History tells us otherwise. We’ve seen countless instances of well-established protocols getting hacked or suffering critical failures, leading to billions in lost funds.

The reality is that DeFi lacks built-in protection. If a protocol you’ve deposited into fails, there’s often no recourse. Insurance solutions exist, but they usually require manual claims processes or restrictive policies that limit coverage. None of these options provide the kind of seamless, automated protection that makes users feel truly safe.

Our Solution: Built-in Protection

Lulo Protect eliminates these pain points by integrating protection directly into how deposits work. Instead of forcing users to buy separate insurance or file claims, we’ve designed a system where protection is built into the way deposits are structured.

With Lulo Protect, users have two deposit options:

• Protected Deposits: Designed for those who want peace of mind, these deposits are covered against failures in any of the dApps Lulo has integrated.

• Boosted Deposits: For those seeking higher yields, these deposits earn additional interest in return for providing coverage for Protected Deposits.

If something goes wrong with a protocol, funds from Boosted Deposits automatically step in to cover losses in Protected Deposits. This process is fully automated, transparent, and requires no manual intervention. Unlike traditional insurance, there are no claims to file and no uncertainty about whether coverage applies.

Balanced and Sustainable

Lulo Protect is peer-to-peer, anyone can earn from providing protection. Boosted Depositors don’t just take on risk — they monetize their role, earning a portion of the interest generated by Protected Depositors. This approach eliminates the need for centralized insurers, making the system more efficient, transparent, and cost-effective.

Lulo Protect ensures that protection scales safely with demand — more Boosted Deposits allow for more Protected Deposits. The system is designed so that coverage is always maintained, ensuring deposits are never lacking the necessary protection. This ****model enables the system to expand beyond the limitations of any single balance sheet.

The result? A scalable, cost-efficient, and resilient saving platform where users directly power protection and rewards.

Why This Matters

DeFi shouldn’t be a space where users constantly worry about losing their savings overnight. Security shouldn’t be an afterthought or an optional add-on — it should be a core part of how DeFi works. With Lulo Protect, we’re taking a step toward a future where earning in DeFi is safer, more sustainable, and by way more accessible to anyone.

This is just the beginning. We believe DeFi can evolve into a financial system that combines open access with real protections, and we’re excited to push that vision forward.

If you’re tired of choosing between earning yield and keeping your funds safe, Lulo Protect is built for you.

Use Lulo. Save Different.