Questions
The things people ask first
Will BNB and ETH do this again?
Nobody knows. The prices on this page are real history, not a forecast. Plenty of coins people bought in 2017 are worth nothing today. A lock protects you from selling something good in a panic. It cannot make a bad asset good.
Can I get my money out early?
No. The 70% retirement bucket cannot be withdrawn, sold or transferred until it matures. The 30% emergency bucket can be sold to another person for USDT or USDC through an escrow: you accept their offer, get a 7-day cooling-off period to change your mind, and the sale settles. It closes 7 days before maturity.
What if I lose access to my wallet?
Then the ladder is lost. The protocol holds no keys and keeps no beneficiary register, because a contract open to the whole world cannot fairly settle every inheritance law. If you want recovery or inheritance, own your ladder from a multisig or smart account and set that up yourself.
Where does the yield come from?
BNB Chain’s own staking. The vault delegates deposits to established validators (Ankr, Figment, NodeReal and The48Club at launch), and depositors can change that list by DAO vote. Rewards stay inside and raise the value of every share; 30% of them go to the DAO treasury.
Has it been audited?
No, not yet. The contracts are open source, tested against a copy of BNB Chain mainnet and verified on Sourcify, but no independent auditor has reviewed them. Deposit caps written into the contracts limit how much is at risk while it is young. Deposit only what you could afford to lose.
Who controls it?
Nobody on the team. The contracts have no owner and cannot be upgraded. The only roles, spending protocol fees and choosing validators, belong to a DAO where every depositor’s shares are their votes. No vote can touch a deposit, change a maturity date or stop a withdrawal.
Is my return guaranteed?
No. You get your share of the pool. If BNB falls, your ladder falls with it. Staking rewards vary, and the contracts are new and unaudited: a bug could cause losses that every depositor shares.
What happens when a rung matures?
Nothing, until you claim it. Unclaimed rungs keep earning. Claim all or part whenever you like: the BNB is paid straight away if the vault holds enough unstaked, otherwise it is unstaked from BNB Chain first, which takes about 7 days.
Why only BNB?
BNB has native staking on the chain the protocol lives on, so no bridge or wrapped token sits between you and your savings. Ethereum could follow one day as a separate deployment. Bitcoin earns no native yield, and wrapped versions add custody risk a ten-year lock should not carry.
Can I use it where I live?
The contracts are open to anyone with a wallet, but whether you may use them depends on the rules where you live.