User Workflow

From a user’s point of view, DiversiFi has a simple flow: choose or build a portfolio, deposit USDC, receive a dToken, and let the engine do the work.

1. Choose a Strategy or build a portfolio

On diversifi.trade, a user can either:

• pick a DiversiFi Strategy (e.g. Boomer, Big Four, Yield, narrative baskets), or

• configure a custom portfolio by choosing tokens, target weights, and basic rules.

Each choice corresponds to a dedicated vault + dToken under the hood.

2. Deposit USDC

The user deposits USDC into the selected vault via the app.

• The protocol swaps USDC into the target allocation for that Strategy or portfolio.

• In return, the user receives a fungible dToken representing their proportional share of the vault.

The user always holds dTokens in their wallet, not the underlying assets directly.

3. Hold, track, and use the dToken

Once the deposit is done:

• The dToken tracks the value of the underlying portfolio (NAV).

• The user can see performance in the app and, where supported, use the dToken in other DeFi integrations (e.g. as collateral once integrations go live).

4. Automatic management in the background

The vault’s allocation is continuously monitored against its target weights.

• When drift exceeds the configured threshold, the auto-rebalancing engine updates the portfolio back toward target weights.

• This is what allows Strategies and portfolios to systematically react to volatility instead of staying static.

All of this happens without user intervention; the user simply holds dTokens.

5. Exit or adjust

At any time, the user can:

• Withdraw – burn their dTokens in the app and receive USDC back (net of any applicable fees).

• Adjust – move between Strategies, or create a new portfolio and allocate fresh USDC there.

Implementation details such as exact swap routing, oracle usage, and rebalancing cadence are covered in the vault system and protocol overview pages. This page is purely about the user journey through the app.