Juby
The self-custodial retirement hub that automates your long-term savings using the Stellar network
📍 Team Location: CABA
About the Product
Juby is a mobile-first, self-custodial retirement hub built on Stellar that abstracts all Web3 complexity to deliver a "Piggy Bank" experience. We solve the problem in three steps:
Invisible Onboarding (Zero-Friction): Powered by Crossmint, users log in via standard Email/Social login. We instantly spin up a secure Stellar smart wallet in the background. No seed phrases, no gas fees, no crypto jargon.
Automated Yield Engine: Once users deposit funds (leveraging Stellar's Anchor network), our smart contracts automatically route the capital into Defindex. This allows the USDC to generate safe, passive compound interest (e.g., via Blend) without the user having to manage protocols or rebalance portfolios.
Behavioral UX: We replace trading charts with financial psychology. Juby features a Future Simulator, Savings Streaks, and "Loss Aversion" friction upon withdrawal (e.g., "You are letting your future self down") to build strong, long-term saving habits.
Problem & Solutions
Problem
In Latin America, state retirement systems are broken and inflation constantly destroys local wealth. However, after conducting 170+ user interviews, we discovered that the main reason people don't invest long-term isn't a lack of money—it is "Paralysis by Complexity." Current financial solutions fail at two extremes: traditional banks are untrusted and offer negative real rates, while Web3 solutions (Exchanges and Wallets) are built for active trading or are simply too complex (seed phrases, gas fees, bridging). There is currently no frictionless, "set-and-forget," self-custodial savings tool designed specifically for long-term retirement.
Solution
Juby is a mobile-first, self-custodial retirement hub built on Stellar that abstracts all Web3 complexity to deliver a "Piggy Bank" experience. We solve the problem in three steps:
Invisible Onboarding (Zero-Friction): Powered by Crossmint, users log in via standard Email/Social login. We instantly spin up a secure Stellar smart wallet in the background. No seed phrases, no gas fees, no crypto jargon.
Automated Yield Engine: Once users deposit funds (leveraging Stellar's Anchor network), our smart contracts automatically route the capital into Defindex. This allows the USDC to generate safe, passive compound interest (e.g., via Blend) without the user having to manage protocols or rebalance portfolios.
Behavioral UX: We replace trading charts with financial psychology. Juby features a Future Simulator, Savings Streaks, and "Loss Aversion" friction upon withdrawal (e.g., "You are letting your future self down") to build strong, long-term saving habits.
Customer Segments
Our Core ICP (Ideal Customer Profile) is "The Paralyzed Professional" (LatAm workers, aged 25-45, with disposable income). Based on our research, this audience splits into two specific segments:
Segment 1: "The Blocked": They know they need to save in digital dollars but are completely terrified of Web3 UX. The fear of losing their money by "clicking the wrong network" or losing a seed phrase keeps their money sitting idle in physical cash or basic bank accounts.
Segment 2: "The Overwhelmed": They are already trying to save but suffer from severe fragmentation. They use 3 to 5 different apps (local brokers, crypto exchanges, DeFi wallets, and Excel spreadsheets) just to manage a basic yield strategy. They are exhausted by the mental load.