Adaptive DCA products, for humans and AI agents
Recurring buys,
with retention that compounds.
We license SmartDCA (an adaptive accumulation engine) to fintechs, exchanges and crypto platforms. Your users keep adding capital. Your recurring-buy retention stops decaying.
What we make
A recurring buy that knows when to lean in.
Standard recurring buys execute on a calendar. They don't care about price. Customers churn out when the chart goes red, exactly when buying matters.
SmartDCA is a recurring buy that adapts to market conditions. When the asset is below trend, the engine accumulates more. When it's above, it slows down. Same product surface for the user. Different behavior in the engine.
BTC / USD
$101,200
Illustrative. DCA is recurring. SmartDCA keeps the same cadence but accumulates more whenever a buy lands below trend.
Case study · Bitcoin · 4-year backtest
54% more Bitcoin, on the same plan.
We backtested SmartDCA against four years of real Bitcoin price data, 2022 through 2026. The crash to $16K, the run past $100K, the correction back down. One full cycle of euphoria, panic and recovery. Same $100-a-week habit, same asset. The engine just leaned in whenever price fell below trend.
To find the most efficient setting we swept 1,152 parameter combinations. The winner: a 200-day exponential moving average, a −15% dip threshold, a 2.5× boost. It triggered on roughly 1 in 4 buys. The rest of the time it bought exactly like standard DCA.
The engine runs the same sweep on any asset over any window, finds the configuration that accumulated the most, and hands it to the user to run as-is or fine-tune. That setting is just what Bitcoin's last four years rewarded.
54.1% more BTC
From 2022 to 2026, SmartDCA cut the average entry price by 13.7%.
Standard DCA
$37,139.95
0.5454 BTC
$21,800 invested
+70.4%
Smart DCA
$57,237.10
0.8406 BTC
$29,000 invested
+97.4%
Total invested
$29,000.00
Average buy price
$34,499.04
Total return
+$28,237.10
Optimal SmartDCA parameters
Best of 1,152 combinations swept; triggered on roughly 1 in 4 buys. Illustrative backtest. Optimal parameters were found in hindsight, and past performance is not a guarantee of future results.
Proof
An investor's dream tool.
Live on Solana mainnet since February, with nothing spent on user acquisition. Every number below is organic: people found SmartDCA, stayed, kept adding capital, and now run about four strategies each. That kind of stickiness, before any growth spend, is exactly what institutions look for.
30-day vault retention
Still investing a month after first buy. Zero paid acquisition.
choose SmartDCA over standard DCA
Given both, they pick the adaptive engine, then leave it running
From live Solana mainnet: 13,377 on-chain swaps over 18.3 weeks (2026-02-14 to 2026-06-22), every trade routed through Jupiter, never custodial.
What we keep hearing
“I want to use SmartDCA on stocks. Why isn't this in my Fidelity account?”
Steve, my neighbor
How it works
Underneath your product, not on top of it.
User opens a Strategy
Same user-facing surface as a recurring buy. Pick an asset, a cadence, an amount. Funded from the partner's existing rails.
The engine reads the market
On every cadence the engine evaluates current price against trend. Below trend, it accumulates more. Above trend, it slows down.
Trades route through partner liquidity
On Solana today, executions route through Jupiter. The integration is non-custodial; user funds sit in a Program Derived Address you control.
Partner keeps the relationship
We're an engine, not a brand. Your users see your product. Your support owns the customer. Rev share keeps us aligned.
Who we work with
Built for partners who already have the customer.
Crypto neobanks
DCA is your core product surface. SmartDCA is the engine that lifts retention without changing your UX.
e.g. crypto-native consumer apps with recurring buy as a primary feature
Fintechs adding crypto
You don't want to ship commodity recurring buys. SmartDCA is a turnkey way to launch a differentiated savings product.
e.g. EU/UK fintechs and neobanks expanding into BTC/ETH/SOL allocation
Exchanges + platforms
You already have rails. Add an adaptive accumulation product that compounds engagement without building it in-house.
e.g. centralized exchanges, broker-dealers, large multi-asset platforms
Pricing
Four tiers.
Every tier shares revenue. We get paid when your product makes money. Upfront fees cover integration time on tiers with hands-on engineering.
T1 · Self-Serve
Crypto-native team that integrates without us
Public SDK, docs only. No engineering hand-holding.
Read the docs →T1 · Supported
Technical Solana team that wants light onboarding
Slack channel, integration review, launch support.
Talk to us →T2 · Full Platform
Mid-size crypto team that wants turnkey
We build the integration. You ship in ~4 weeks.
Talk to us →T3 · Full Service
Fintech, TradFi, Brokerages
Engine + integration + ongoing engineering + activation.
Talk to us →The numbers above are the band, not a quote.
Want to see if FyPal fits your stack?
30 minutes with one of our founders. We'll look at your situation and figure out whether SmartDCA fits your audience and platform. If it doesn't, we'll tell you. We only get paid when a deal closes, so we're not booking calls to hit a quota.