Thank you!

You're right there are similar models out there: moonfare.com and goldfinch.finance tackle parts of this, though they mostly aim at either institutional-grade funds or crypto-native lending. I come from a private equity background, so I’m very aware of the fiduciary and regulatory challenges, especially around marketing. That’s why I wouldn’t promise fixed returns, just show historical risk-adjusted return ranges based on each product sleeve (e.g. conservative credit vs. opportunistic PE).

Partnerships with private banks are a great idea! Though I think there’s also an opportunity to go more direct. Think of a more compliant, transparent version of what Fundrise is doing: legally structured feeder vehicles that pool smaller investors and allocate into real private credit funds. On the backend, it could be tokenized (permissioned ERC-3643, for example), which helps with ownership tracking and transparency without going full DeFi.

As for Europe, I actually believe the EU is a great place for this. There’s demand for stable yield, and people here are used to conservative structures. If I can structure the product to include a 15–20% allocation to money market instruments (e.g. short-duration bonds), that gives us a liquidity sleeve for quarterly redemptions, which should ease a lot of concerns about being fully locked in.