> For the complete documentation index, see [llms.txt](https://valos.gitbook.io/valos/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://valos.gitbook.io/valos/problem.md).

# Problem

In today's financial landscape, traditional banks and crypto exchanges often leave investors with a fraction of the profits their assets could generate. Many intermediaries stand between users and yield generation, resulting in users receiving only 10-30% of the potential returns. Exchanges offering yield products lack the expertise to deliver competitive yields and often subsidize payouts from their marketing budgets. This approach fails to serve retail users effectively.

Exchanges prioritize their core business of trading, where they generate most of their profits, leaving little incentive to develop compelling earn products. Consequently, there is a significant gap in the market for infrastructure that allows non-trading users to park their assets and earn competitive yields.

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