# Optima Financial — Full Product Description

> EU-compliant tokenized portfolio platform offering ETF-style crypto investment products with professional risk management.

This is the extended machine-readable description of Optima Financial. For a concise overview, see llms.txt.

---

## Product Overview

Optima Financial provides Optima Portfolio Tokens (OPTs) — tokenized investment products that give investors diversified, actively managed exposure to digital assets. Each OPT represents a share in a professionally managed portfolio with:

- FMA Liechtenstein-approved prospectus, passported across the EU
- ISIN and symbol for each portfolio
- Real asset exposure (not synthetic)
- Regulated, insured custody
- 24/7 automated risk management

The platform has been live since October 2025. All performance data is real, continuously updated, and publicly accessible without login.

## How It Works

1. **Select**: Choose a portfolio matching your goals — single-asset strategies, diversified crypto themes, or sector-specific exposure
2. **Buy**: Purchase OPTs through the Optima app. Tokens are held with regulated custody
3. **Manage**: Automated 24/7 portfolio management — position sizing, risk controls, and rebalancing handled based on market conditions
4. **Track**: Monitor performance through a live dashboard with full analytics — positions, returns, and risk metrics

### Self-Custody

OPTs are standard blockchain tokens. Investors can:
- Hold in their own wallet
- Trade on decentralized exchanges (DEXs)
- Use as collateral in DeFi protocols
- Transfer permissionlessly
- Switch between self-custody and Optima managed custody at any time

## Fee Structure

| Fee Type | Amount | Notes |
|----------|--------|-------|
| Daily AUM fee | Up to 0.0274% | Approximately 10% annualized, embedded in token price |
| Performance fee | None | |
| Entry fee | None | |
| Exit fee | None | |
| Hidden costs | None | |

## Risk Disclosure

- Crypto markets are volatile and all investments carry risk
- Risk management systems actively manage drawdowns and reduce exposure during downturns
- Risk management cannot eliminate risk entirely
- Past performance does not guarantee future results
- Investors can lose money

## Regulatory Framework

- Prospectus approved by FMA Liechtenstein (Financial Market Authority)
- Passported across the European Union
- Each portfolio has an ISIN (International Securities Identification Number) and symbol
- Assets held with regulated, insured custodians
- Institutional-grade security practices

---

## Public API Reference

All public endpoints return JSON in the following envelope:

```json
{
  "success": true,
  "data": { ... },
  "error": null,
  "statusCode": 200,
  "timestamp": "2026-03-23T12:00:00.000Z"
}
```

### GET /api/v1/strategies

List all available portfolios with current prices. No authentication required.

**Response data:**
```json
{
  "strategies": [
    {
      "strategy_pair_id": "uuid",
      "name": "Portfolio display name",
      "description": "Portfolio description",
      "token_symbol": "OPBTC",
      "token_name": "Optima BTC Portfolio Token",
      "nav": 1234567.89,
      "token_price_usd": 1.23,
      "is_cash_gateway": false,
      "is_active": true
    }
  ]
}
```

**Fields:**
- `strategy_pair_id`: Unique identifier for the portfolio
- `name`: Human-readable portfolio name
- `description`: Portfolio description and strategy overview
- `token_symbol`: Trading symbol (e.g., OPBTC, OPETH)
- `token_name`: Full token name
- `nav`: Net Asset Value in USD
- `token_price_usd`: Current token price in USD
- `is_cash_gateway`: If true, this is the stablecoin entry/exit gateway (OPUSD), not an investment portfolio
- `is_active`: Whether the portfolio is currently active

### GET /api/v1/strategies/{id}

Get detailed information about a specific portfolio including composition. No authentication required.

**Path parameters:**
- `id`: The `strategy_pair_id` from the strategies list

**Response data:**
```json
{
  "strategy_pair": {
    "id": "uuid",
    "token_symbol": "OPBTC",
    "token_name": "Optima BTC Portfolio Token",
    "is_cash_gateway": false,
    "is_active": true
  },
  "strategy": {
    "id": "uuid",
    "name": "Portfolio name",
    "description": "Strategy description",
    "strategy_type": "ACTIVE",
    "current_nav": 1234567.89,
    "is_active": true
  },
  "composition": [
    {
      "sub_strategy_id": "uuid",
      "name": "Sub-strategy name",
      "target_weight": 0.5,
      "current_weight": 0.48,
      "current_nav": 617283.94,
      "position_mode": "LONG",
      "is_active": true
    }
  ],
  "token_price_usd": 1.23
}
```

### GET /api/v1/strategies/{id}/price-history

Get historical price data for charting. No authentication required.

**Path parameters:**
- `id`: The `strategy_pair_id`

**Query parameters:**
- `since` (optional): ISO-8601 date string. Returns data from this date onward.

**Response data:**
```json
{
  "strategy_pair_id": "uuid",
  "snapshots": [
    {
      "snapshot_at": "2026-03-23T00:00:00.000Z",
      "token_price": 1.23,
      "nav": 1234567.89
    }
  ]
}
```

---

## Authenticated API Reference

All authenticated endpoints require a Clerk JWT in the Authorization header:
```
Authorization: Bearer <clerk_jwt_token>
```

### GET /api/v1/user/profile

Returns user profile, balances across all portfolios, and deposit addresses.

### GET /api/v1/user/balances

Returns token balances for all portfolios the user holds.

### GET /api/v1/user/transactions

Returns transaction history (deposits, withdrawals, trades).

**Query parameters:**
- `type` (optional): Filter by DEPOSIT, WITHDRAWAL, or TRADE
- `status` (optional): Filter by status
- `limit` (optional): Number of results (default varies)
- `offset` (optional): Pagination offset

### POST /api/v1/trading/quote

Request a price quote for buying or selling portfolio tokens.

**Request body:**
```json
{
  "source_strategy_pair_id": "uuid (portfolio to sell from)",
  "target_strategy_pair_id": "uuid (portfolio to buy into)",
  "source_amount": "100.00 (amount of source tokens)"
}
```

### POST /api/v1/trading/order

Execute a trade based on a quote.

### GET /api/v1/user/deposit-address/{chainId}

Get a deposit address for a specific blockchain.

### POST /api/v1/user/withdraw

Initiate a withdrawal.

**Request body:**
```json
{
  "strategy_pair_id": "uuid",
  "token_amount": "100.00",
  "destination_address": "0x..."
}
```

---

## Technical Architecture

- **Frontend**: React 19 single-page application (Vite, TypeScript, Tailwind CSS)
- **Backend**: Microservices architecture on Node.js/Fastify
- **Database**: PostgreSQL (via Supabase)
- **Authentication**: Clerk
- **Real-time**: WebSocket for live price and balance updates
- **Deployment**: Vercel (frontend), DigitalOcean App Platform (backend)
- **Custody**: BitGo (institutional-grade, insured)
- **Blockchain**: Arbitrum (primary), with multi-chain support

## Company

- **Name**: Optima Financial
- **Website**: https://optima.financial
- **Type**: Regulated financial technology company
- **Jurisdiction**: EU (FMA Liechtenstein approved)