TLD Whitepaper
  • Part I: What is The LifeDAO?
    • Introduction
    • Mission
    • Background
      • Islamic finance and insurance
      • Why is conventional insurance not shariah-compliant?
      • Takaful, an Islamic alternative to conventional insurance
        • Takaful vs. Conventional Insurance
        • Takaful in light of the Shariah
    • The LifeDAO: Inspired by Takaful, native to the blockchain
      • Two Funds, Two Entities
      • Risk, Solvency and the Benefit Multiplier
      • Shariah compliance of TLD
    • The Takadao Protocol
      • Takadao’s Technology Stack
      • Takadao Reprotection Pool
  • PART II: The LifeDAO Membership
    • Member Journey
    • The LifeDAO Membership
      • Membership Benefits
      • Membership Privileges
      • Benefit 1: Benefit Payout
      • Benefit 2: Surplus Distribution
      • Benefit 3: Governance Rights
      • Privilege 1: Verifier Incentive Program (VIP)
      • Privilege 2: Contributor Committee
      • Privilege 3: TAKA Token Airdrops
      • Allocation of Membership Contributions
      • Benefits Payout Management
      • Governance and the Contributor Committee
      • Contributor Functions
        • Screen Proposals
        • Endorse and Advocate for Proposals
        • Implement Proposals through Multisig
      • The LifeDAO Investment Pools
        • Investment Conditions
        • Deposit and Withdrawal Mechanisms
        • Governance
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  1. PART II: The LifeDAO Membership
  2. The LifeDAO Membership
  3. The LifeDAO Investment Pools

Investment Conditions

PreviousThe LifeDAO Investment PoolsNextDeposit and Withdrawal Mechanisms

Last updated 2 months ago

Funds will be invested in vehicles that comply with the following conditions:

  • Shariah-compliant as agreed upon by Takadao’s internal shariah board and at least one external shariah advisory company such as Marhaba Defi, Crypto Halal, Shariah Review Bureau or Amanie Advisors or other reputable organization adhering to .

  • If invested in on-chain digital assets, the tokens must underpin a real project. No meme coins.

  • If invested in DeFi protocols, the protocols must be publicly trackable and not on any blacklist or sanctions list.

  • If placed with a third party asset manager, the asset manager should be licensed and have a track record of investing for at least the two prior years.

  • The liquidity of the investment vehicle should match the requirements of the fund’s cashflow.

The monies of the fund are allocated across several pools with different investment conditions, as described below. Monies are allocated according to cashflow needs.

For example, amounts that are expected to be spent in the next 90 days (0-3 months) will not be invested and will be held in cash. Future cashflow needs, amounts that will be spent within 3-6 months will be invested in the “Now” pool.

Pool

Consists of

Conditions of Investment

Now

3-6 month cashflow needs

Risk: Low, with no expected fluctuation in capital

Lock-up period: 24 hours

Liquidity: Within 24 hours

Examples: On-chain DeFi protocols

Soon

6+ months cashflow needs

Risk: Moderate, with minimal fluctuation in capital (+/- 10%) within investment period

Lock-up period: Max 3 months

Liquidity: 1 week max

Examples: RWAs, tokenized ETFs, short-term managed funds

Later

12+ months cashflow needs

Risk: High, with significant fluctuation in capital (+/- 20%) within investment period

Lock-up period: Max 12 months

Liquidity: 3 weeks max

Examples: Blue Chip crypto, alt coins, long-term managed funds

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