Make DeFi simple, useful, and accessible for everyone, starting with Indonesia.
To unlock financial growth opportunities in emerging markets by combining local stablecoins, strong security, and seamless user experience.
The Indonesian Rupiah (IDR) and its tokenized version (IDRX) face major hurdles in DeFi:
- Limited protocols that support IDRX
- Low or zero APY for IDRX-denominated strategies
- Declining IDR-to-USD value reduces real yield
- Manual asset conversion and allocation is risky & complex
These problems make it hard for IDRX holders to earn meaningful returns or participate in global DeFi opportunities. Tumbuh solves these challenges through an automated yield vault:
- Accepts IDRX deposits directly
- Converts ~70% into stablecoins (USDC/USDT/DAI)
- Allocates to protocols with the best APY
- Auto-rebalances to maintain optimal yield
- Users earn yield via ERC-4626 shares
This creates a seamless and passive experience for users while unlocking broader yield opportunities through stablecoin strategies. 
