# 1. Introduction

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Over **$300 billion** in stablecoins circulate across global markets today, a figure projected to exceed **$2 trillion by 2028**.\
Yet this is just the beginning.

While crypto-native users have had access to on-chain yields for years, the reality is that only a small minority can actually access DeFi directly. The majority still face barriers including platform complexity, custody risk, and the absence of **institutional-grade access paths**.

Even within DeFi, transparency is not universal.\
Many vaults and aggregators operate as **black boxes**, leaving users unable to verify where or how capital is deployed. Several high-profile protocol failures have made this risk clear.

**Neox takes the opposite approach:** full transparency, policy enforcement encoded at the protocol layer, and **agentic oversight** that makes every yield source auditable, explainable, and secure.

Meanwhile, in the traditional world, **trillions of dollars sit in low-interest savings accounts earning less than 2 percent annually**, a silent inefficiency in a world where stablecoin-based instruments can yield **8 to 16 percent**.

The problem is not lack of opportunity.\
It is that existing financial and on-chain systems fail to connect.

**Neox exists to bridge that gap.**\
\
We are building autonomous stablecoin yield infrastructure that enables neobanks, fintechs and global institutions to tap into on-chain and real-world yield markets securely, intelligently and without complexity.

Our mission is simple:

> **To power the yields of tomorrow by connecting global capital to autonomous, transparent, programmable yield systems.**


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