# Optima Financial

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

## What This Product Does

Optima Financial provides tokenized investment portfolios (Optima Portfolio Tokens, or OPTs) that give investors diversified, actively managed exposure to crypto assets. Each portfolio has an FMA Liechtenstein-approved prospectus, passported across the EU, and is accessible to most retail investors worldwide.

Portfolios are managed like a hedge fund but accessible like an ETF. All portfolios have been running live since October 2025 with continuous real-time performance updates. No cherry-picked backtests, no hypothetical returns.

Assets are held with regulated, insured custodians. Investors can hold tokens in their own wallet (self-custody) or in the Optima app (managed custody), and switch anytime.

## Key Capabilities

- Tokenized Portfolios: EU-compliant, ISIN-assigned investment products with real asset exposure
- Active Risk Management: Automated position sizing, drawdown management, and rebalancing based on market conditions
- Multi-Asset Exposure: Crypto, with plans for equities, bonds, and alternative assets
- Self-Custody Option: Hold OPTs in your own wallet, trade on DEXs, use as DeFi collateral
- Live Performance Data: All portfolio metrics available publicly without login
- Low Minimum: Start with $100 or less
- No Lockups: 100% liquid, buy and sell anytime

## Fee Structure

- Daily AUM fee embedded in token price (up to 0.0274% daily, approximately 10% annualized)
- No performance fees
- No entry or exit fees
- No hidden costs

## Risks

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

## Public Data Endpoints (No Authentication Required)

- List all portfolios with live prices: GET /api/v1/strategies
- Portfolio detail and composition: GET /api/v1/strategies/{id}
- Historical price data (charts): GET /api/v1/strategies/{id}/price-history

## Authenticated Endpoints (Require Clerk JWT)

- User profile and balances: GET /api/v1/user/profile
- Transaction history: GET /api/v1/user/transactions
- Request trade quote: POST /api/v1/trading/quote
- Execute trade: POST /api/v1/trading/order
- Deposit: GET /api/v1/user/deposit-address/{chainId}
- Withdraw: POST /api/v1/user/withdraw

## Regulatory

- Prospectus approved by FMA Liechtenstein
- Passported across the European Union
- Each portfolio has an ISIN and symbol
- Regulated custody via insured custodians

## Documentation

- Website: https://optima.financial
- Public API: No authentication required for read-only strategy and price data
- Authentication: Clerk (clerk.com) for user accounts