Frequently asked questions
What is LIQUMO?
A non-custodial risk intelligence and software interface for on-chain liquidity protocols. The software rates thousands of pools for risk and prepares transactions from your own wallet that you confirm with your signature.
Does LIQUMO hold my funds?
No. Assets move from your wallet to the protocol contract you approve. LIQUMO never has access to private keys.
How does Smart Deposit work?
You choose a strategy and an amount. Smart Deposit searches pools in all networks among protocols that have passed the LIQUMO risk check, compares their yield after costs and splits the amount between them. Funds come from your smart account or your wallet in any network. You review every step and sign it.
How do the strategies differ?
Conservative and Moderate use stablecoin pools only and differ in their limits under the LIQUMO expected loss model: Conservative admits a pool when its expected loss is at most 1% a year and the probability of losing more than 1% of the deposit is at most 15%; Moderate allows up to 2% and 25%. Within its limits, a strategy prefers pools with a higher yield after expected loss. All protocol rates are variable, and on-chain positions carry smart-contract and market risks.
How is the risk rating calculated?
Every pool is scored from 0 to 10 on eleven weighted factors, including incident history, audits, liquidity, yield stability and the underlying asset. A weak key factor or a critical flag such as a depeg raises the score. The data refreshes every five minutes.
Are the yields guaranteed?
No. APY is the current variable rate set by each protocol and changes daily.
What does it cost to use LIQUMO?
The LIQUMO service fee is 0.25% of each deposit and is shown before you sign. Network fees are paid separately.
Which wallets are supported?
External wallets such as MetaMask and Coinbase Wallet, and many more through WalletConnect. You can also sign in with email, Apple or Google: a wallet is created for you, and LIQUMO has no access to its keys.
How do I withdraw?
At any time, from the app or directly in the protocol: the position belongs to your wallet. LIQUMO imposes no lock-up and charges no service fee for withdrawals; a protocol’s available liquidity can still limit how much you withdraw at once.
How do I contact support?
Write to support@liqumo.com. We reply within one business day. We will never ask for your recovery phrase or private keys.