Why Tumbuh?

The Problem

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.

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Our Solution

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.