Product	Best For	Withdrawals	Yields	Group Size
Individual Savings	Personal savings	Anytime	Standard	Just you
Community Pool	Group savings	Anytime	Higher	2-100 people
Rotating Pool	Community ROSCAs	After cycle	None*	3-50 people
Prize Pool	Fun + savings	Anytime	Via prizes	Unlimited

*Rotating pools earn yields collectively, distributed as lump sums

Can I use multiple products at once?

Yes! You can:

Save in Individual Savings
Join a Community Pool with friends
Participate in a ROSCA with family
Enter the Prize Pool for fun

Each product is independent. Mix and match as you like.

What is a Community Pool?

A Community Pool is shared savings where members pool funds together to earn higher yields through collective deposits.

How it works:

Create a pool or join existing one
Members deposit Bitcoin (MUSD)
Pool earns yields together
Each member keeps their share
Withdraw anytime (your portion only)

Benefits:

Higher yields than individual savings
Save with friends/family/community
Transparent on blockchain
Still maintain custody

Learn more

What is a Rotating Pool (ROSCA)?

A Rotating Pool is a digital version of traditional "tandas", "pasanakus", or ROSCAs (Rotating Savings and Credit Associations).

How it works:

5-10 people commit to equal monthly deposits
Each cycle, one member receives the full pot
Rotates until everyone receives their turn
Enforced by smart contracts

Example:

10 members × $100/month = $1,000 pot
Month 1: Alice receives $1,000
Month 2: Bob receives $1,000
... continues for 10 months

Learn more

What is the Prize Pool?

A Prize Pool is a no-loss lottery. Deposit Bitcoin, earn yields, and win prizes - without risking your principal.

How it works:

Deposit MUSD into prize pool
Pool generates yields collectively
Weekly/monthly prize drawings
Winners receive accumulated yields
Withdraw principal anytime

Benefits:

Can't lose your deposit
Chance to win big prizes
Fun way to save
Withdraw anytime

Learn more

Can I create my own Community Pool?

Yes! Anyone can create a pool:

Go to Community Pools
Click "Create Pool"
Set pool name and parameters
Invite members (optional)
Start saving together

You control:

Pool name and description
Minimum deposit amount
Member approval settings
Public or private

How do I join an existing pool?

Public Pools:

Browse available pools
Click "View Details"
Click "Join Pool"
Make your first deposit

Private Pools:

Get invite link from pool creator
Click the link
Request to join
Wait for approval
Make your deposit

Yields & Earnings

How do yields work?

Yields come from deploying pooled Bitcoin into various DeFi strategies:

Mezo staking rewards
Bitcoin lending protocols
Liquidity provision
MEZ token incentives (future)

Your deposit earns yields automatically. Earnings are distributed weekly.

What are the typical yields?

Current yields (testnet):

Individual Savings: ~5-8% APY
Community Pools: ~8-12% APY
Rotating Pools: Varies (lump sum)
Prize Pools: Prizes from collective yields

⚠️ Yields are variable and depend on market conditions.

How are yields calculated?

Formula:

Your Yield = (Your Deposit / Total Pool) × Pool Earnings

Example:

You deposit: 1,000 MUSD
Total pool: 100,000 MUSD (you're 1%)
Pool earns: 500 MUSD this week
Your share: 500 × 1% = 5 MUSD

When are yields distributed?

Distribution Schedule:

Product	Frequency	Method
Individual Savings	Weekly	Auto-compound
Community Pool	Weekly	Auto-compound
Rotating Pool	End of cycle	Lump sum
Prize Pool	Weekly drawing	Prize to winners

Can I compound my yields?

Yes, automatically!

Yields are added to your principal and earn yields too.

Example:

Week 1: Deposit 1,000 MUSD, earn 10 MUSD
Week 2: Now earning on 1,010 MUSD
Week 3: Now earning on 1,020.10 MUSD
Compounding effect grows over time

Are yields guaranteed?

No. Yields are variable and depend on:

DeFi protocol performance
Market conditions
Total pool deposits
Network activity

Past performance doesn't guarantee future results. Yields can go up or down.

What's the difference between APY and APR?

APR (Annual Percentage Rate)

Simple interest (no compounding)
Example: 10% APR = 10% per year

APY (Annual Percentage Yield)

Compound interest (reinvesting earnings)
Example: 10% APY = ~10.52% effective rate

KhipuVault displays APY because we auto-compound yields.

Can yields be negative?

In theory yes, but unlikely:

Smart contracts could lose funds (rare)
DeFi protocols could fail
We use conservative strategies to minimize risk

If yields are negative, we pause operations until resolved.

Fees & Costs

What fees does KhipuVault charge?

Platform Fees:

Deposits: Free
Withdrawals: Free
Yield earnings: 10% performance fee

Blockchain Fees:

Gas for transactions: ~$0.10-$1.00 (paid to network)

What is the 10% performance fee?

We take 10% of your yield earnings (not your principal).

Example:

You earn 100 MUSD in yields
Fee: 10 MUSD (10%)
You keep: 90 MUSD
Your principal: Never touched

This fee funds:

Development and maintenance
Security audits
Customer support
Platform improvements

Are there any hidden fees?

No hidden fees. You only pay:

Gas fees (blockchain network, not us)
10% performance fee (only on yields earned)

That's it. No:

❌ Deposit fees
❌ Withdrawal fees
❌ Monthly/annual fees
❌ Inactivity fees
❌ Early withdrawal penalties (except ROSCA)

How much are gas fees?

Typical Costs (Mezo Testnet):

Action	Gas Cost
Deposit	~$0.10
Withdraw	~$0.15
Claim yields	~$0.08
Join pool	~$0.12

Actual costs vary based on network congestion.

Mainnet will be higher - plan for $1-5 per transaction.

Can I avoid gas fees?

No, gas fees are paid to the blockchain network (not KhipuVault). They're necessary to process transactions.

Ways to minimize:

Batch transactions (deposit once, not many times)
Time transactions (off-peak hours cheaper)
Wait for low gas prices

Are there fees to join a Community Pool?

No fees to join. You pay:

Gas fee to join pool (~$0.12)
Gas fee for first deposit (~$0.10)
10% performance fee on earnings (later)

Do Rotating Pools have early withdrawal fees?

Yes. Rotating Pools require commitment:

Early withdrawal penalty: Lose your turn in rotation
Blacklist risk: May be excluded from future pools
Social pressure: Letting down your community

Only join if you can commit to the full cycle.

Security & Safety

Is my Bitcoin safe?

KhipuVault uses multiple security layers:

✅ Non-custodial - You always control your keys ✅ Audited contracts - Multiple security reviews ✅ Battle-tested code - OpenZeppelin standards ✅ Multi-sig admin - No single point of failure (planned) ✅ Pausable contracts - Emergency stop if needed

Read our security documentation

Can I lose my Bitcoin?

Possible but unlikely:

Smart contract risks:

Undiscovered bugs (mitigated by audits)
Economic exploits (tested extensively)

User risks:

Lost private keys (backup your seed phrase!)
Phishing scams (verify URLs)
Compromised device (use hardware wallet)

Market risks:

Mezo blockchain issues (external dependency)
DeFi protocol failures (diversified strategies)

How are smart contracts secured?

We follow industry best practices:

✅ Reentrancy guards on all functions
✅ Access controls with role-based permissions
✅ Pausable in emergencies (withdrawals always work)
✅ Event logging for complete audit trail
✅ Overflow protection (Solidity 0.8+)
✅ Input validation on all parameters

Technical security details

Has KhipuVault been audited?

Yes:

✅ Slither - Automated static analysis (Jan 2025)
✅ Aderyn - Rust-based analyzer (Jan 2025)
🔄 Manual audit - Professional audit (in progress)

All findings addressed. Reports published publicly.

View audit reports

What if KhipuVault gets hacked?

Our response plan:

Pause contracts immediately (< 1 hour)
Alert community via Discord/Twitter
Assess damage and affected users
Deploy fix or migrate to new contracts
Publish post-mortem with full transparency

User protection:

Withdrawals remain enabled even when paused
You can always access your principal
We maintain emergency procedures

Emergency procedures

Do you have a bug bounty program?

Yes! We offer up to $10,000 for critical vulnerabilities.

Reward Tiers:

Critical: $5,000 - $10,000
High: $2,000 - $5,000
Medium: $500 - $2,000
Low: $100 - $500

Learn more about bug bounties

How do I protect myself from scams?

Always verify:

✅ Official URL: https://khipuvault.com ✅ Contract addresses: Check documentation ✅ Social media: Blue checkmarks on Twitter

Never: ❌ Share your seed phrase with anyone ❌ Click links in unsolicited DMs ❌ Enter keys on unknown websites ❌ Trust "customer support" DMs

Security best practices

Wallet & Network

What wallets are supported?

Officially Supported:

✅ MetaMask (browser extension & mobile)
✅ Ledger (hardware wallet)
✅ Trezor (hardware wallet)

Community Tested:

⚠️ Rainbow Wallet (works but not officially supported)
⚠️ Frame (works but not officially supported)
⚠️ Rabby (works but not officially supported)

Not Supported:

❌ Centralized exchange wallets (Coinbase, Binance, etc.)
❌ Bitcoin-only wallets (Sparrow, Electrum, etc.)

How do I add Mezo network to MetaMask?

Automatic (recommended):

Go to Add Mezo Network
Click "Add to MetaMask"
Approve in MetaMask
Done!

Manual:

Open MetaMask
Click network dropdown
Click "Add Network"
Enter Mezo testnet details:
- Network Name: Mezo Testnet
- RPC URL: https://rpc.test.mezo.org
- Chain ID: 31611
- Currency: BTC
- Explorer: https://explorer.test.mezo.org

What is MUSD?

MUSD is a test token that represents Bitcoin on Mezo testnet.

🧪 For testing only (no real value)
🆓 Free from faucet
🔄 1:1 with testnet BTC
🚀 Mainnet will use real BTC

Get MUSD: faucet.test.mezo.org

Can I use my Bitcoin wallet?

No, Bitcoin-only wallets (Sparrow, Electrum) won't work.

You need an EVM-compatible wallet (MetaMask, Ledger) because Mezo uses smart contracts.

Think of it as: Bitcoin security + Ethereum flexibility

Why can't I see my MUSD balance?

Add MUSD token to MetaMask:

Open MetaMask
Switch to Mezo Testnet
Scroll down and click "Import tokens"
Enter MUSD contract address: 0x118917a40FAF1CD7a13dB0Ef56C86De7973Ac503
Click "Add Custom Token"
Confirm

Now you'll see your MUSD balance.

Deposits & Withdrawals

How do I make a deposit?

Steps:

Go to your chosen product (e.g., Individual Savings)
Click "Deposit"
Enter amount
Click "Approve MUSD" (first time only)
Confirm in MetaMask
Click "Deposit"
Confirm in MetaMask
Done! See your deposit in dashboard

Takes ~30 seconds after confirmation.

What is the minimum deposit?

Minimums:

Product	Minimum Deposit
Individual Savings	10 MUSD
Community Pool	Set by pool creator (typically 10-100 MUSD)
Rotating Pool	Equal for all members
Prize Pool	1 MUSD

Is there a maximum deposit?

Current limits (testnet):

Individual Savings: 100,000 MUSD per user
Community Pool: 1,000,000 MUSD total pool
Rotating Pool: Set by pool creator
Prize Pool: Unlimited

Mainnet will have different limits for safety.

How long do deposits take?

Instant! (after blockchain confirmation)

Approve transaction: 5-15 seconds
Deposit transaction: 5-15 seconds
Appears in dashboard: Immediately

Total time: ~30 seconds

Can I withdraw anytime?

Yes (with one exception):

✅ Individual Savings: Anytime, instantly ✅ Community Pool: Anytime, your portion only ✅ Prize Pool: Anytime, full amount ❌ Rotating Pool: Only after your cycle completes

No lock-up periods. Your Bitcoin, your choice.

How do I withdraw?

Steps:

Go to your pool dashboard
Click "Withdraw"
Enter amount (or click "Max")
Click "Withdraw"
Confirm in MetaMask
Funds arrive in 5-15 seconds

Are there withdrawal limits?

No limits:

Withdraw 1 MUSD or 100,000 MUSD
Withdraw once or 100 times
Withdraw 10% or 100%

You control your funds completely.

How long do withdrawals take?

Instant (after blockchain confirmation):

Transaction confirmation: 5-15 seconds
Funds in wallet: Immediately
No waiting periods

Exception: Rotating Pools must wait for their turn.

What happens if I try to withdraw from a Rotating Pool early?

Consequences:

Forfeit your turn in the rotation
Pay penalty fee (configurable by pool)
Possibly blacklisted from future pools
Let down community (social pressure)

Only withdraw early in genuine emergencies.

Technical Issues

Why is my transaction failing?

Common causes:

Insufficient gas
- Solution: Increase gas limit by 20%
Insufficient MUSD balance
- Solution: Check balance, reduce amount
Not approved MUSD spending
- Solution: Click "Approve" before "Deposit"
Slippage too low (doesn't apply to KhipuVault)
Contract paused
- Solution: Check status page

Full troubleshooting guide

My transaction is pending forever. What do I do?

Solutions:

Option 1: Speed Up

Click pending transaction in MetaMask
Click "Speed Up"
Increase gas price by 10-20%
Confirm

Option 2: Cancel

Click pending transaction
Click "Cancel"
Submit cancellation (must pay gas)

Option 3: Wait

Transactions usually confirm within 5 minutes
If network is congested, may take longer

Why can't I connect my wallet?

Troubleshooting:

Refresh the page
Check MetaMask is unlocked
Switch to Mezo Testnet
Update MetaMask to latest version
Try different browser (Chrome recommended)
Disable other wallet extensions (conflicts)
Clear cache and cookies

Still stuck? Ask in Discord #support

The website is slow or not loading

Quick fixes:

Refresh the page (Cmd+R or Ctrl+R)
Clear browser cache
Try different browser
Check your internet connection
Try mobile data (to rule out WiFi issues)
Check status page: status.khipuvault.com

If down for everyone, we're working on it!

I got an "Out of Gas" error

Cause: Transaction ran out of gas before completing.

Solution:

Click "Edit" on gas settings in MetaMask
Increase "Gas Limit" by 20-30%
Keep "Gas Price" the same (unless you want faster)
Retry transaction

Prevention: Use "Fast" gas setting for complex transactions.

My balance is showing incorrectly

Troubleshooting:

Refresh the page (data might be cached)
Check on block explorer (source of truth)
- Go to explorer.test.mezo.org
- Search your wallet address
- Verify actual balance
Clear browser cache
Disconnect and reconnect wallet

If explorer shows correct but UI doesn't: Wait 5 mins or contact support.

Account & Privacy

Do I need to create an account?

No account needed!

✅ Just connect your wallet
✅ No email, password, or personal info
✅ No KYC or identity verification
✅ Completely anonymous

Your wallet address is your "account".

What data does KhipuVault collect?

We collect:

✅ Wallet address (public on blockchain)
✅ Transaction history (public on blockchain)
✅ Session data (temporary, for login)

We don't collect:

❌ Name, email, phone
❌ IP addresses (beyond temporary logs)
❌ Browsing history
❌ Personal information

Is my data private?

Blockchain data is PUBLIC:

All transactions visible to everyone
Wallet addresses are pseudonymous (not anonymous)
Can be linked to identity if you're not careful

Website data:

We don't track beyond necessary analytics
No third-party trackers
No selling data to advertisers

Can I use KhipuVault from any country?

Currently yes (testnet):

No geographic restrictions
No KYC requirements
Available worldwide

Mainnet may differ:

Legal compliance required
Possible country restrictions
Will announce policy before launch

How do I delete my account?

No account to delete!

Simply:

Withdraw all funds
Disconnect wallet
Stop using the platform

Your on-chain history remains (blockchain is permanent), but you're no longer actively using KhipuVault.

Mezo Blockchain

What is Mezo?

Mezo is a Bitcoin layer 2 blockchain that:

🔒 Inherits Bitcoin's security
⚡ Enables smart contracts
💰 Uses Bitcoin as native currency
🌉 Bridges to Bitcoin mainnet

Think: Bitcoin security + Ethereum features

Learn more at mezo.org

Why use Mezo instead of Ethereum?

Bitcoin Alignment:

✅ Uses BTC, not ETH
✅ Bitcoin-native security
✅ Serves Bitcoin community

Better for Savings:

✅ Bitcoin is hardest money
✅ Lower volatility than altcoins
✅ Long-term store of value

How does Mezo secure Bitcoin?

Mezo uses Bitcoin as its trust layer:

Checkpoints posted to Bitcoin blockchain
Economic security backed by Bitcoin hashrate
Finality when Bitcoin confirms checkpoints

Your Mezo transactions inherit Bitcoin's security.

What is the difference between Mezo testnet and mainnet?

Feature	Testnet	Mainnet
Currency	Test MUSD (no value)	Real BTC
Purpose	Testing & learning	Real savings
Risk	Zero (test tokens)	Real money at risk
Network	Sometimes unstable	Production ready
Faucet	Free tokens	No free money