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137 line-height: 1.7; margin-bottom: 8px; 138 } 139 .flow-trust { 140 font-size: 0.82rem; color: var(--color-primary); 141 line-height: 1.6; font-weight: 500; 142 } 143 .flow-trust a { 144 text-decoration: underline; text-underline-offset: 2px; 145 } 146 147 /* ââ Explainer (2-col: text left, highlight right) ââ */ 148 .explainer { 149 display: grid; 150 grid-template-columns: 1fr 1fr; 151 gap: 64px; align-items: center; 152 margin-top: 48px; 153 } 154 .explainer--reverse { direction: rtl; } 155 .explainer--reverse > * { direction: ltr; } 156 .explainer__text { } 157 .explainer__text p { 158 font-size: 0.95rem; color: var(--color-text-muted); 159 line-height: 1.8; margin-bottom: 14px; 160 } 161 .explainer__text strong { color: var(--color-text); } 162 .explainer__visual { 163 background: #fff; 164 border: var(--glass-border); 165 border-radius: var(--radius-lg); 166 padding: 32px; 167 box-shadow: 0 4px 24px rgba(91, 115, 237, 0.06); 168 } 169 .comparison-row { 170 display: flex; justify-content: space-between; 171 align-items: center; padding: 14px 0; 172 border-bottom: 1px solid rgba(91, 115, 237, 0.08); 173 font-size: 0.9rem; 174 } 175 .comparison-row:last-child { border-bottom: none; } 176 .comparison-row span:first-child { color: var(--color-text-muted); } 177 .comparison-row .bank { color: var(--color-text-muted); opacity: 0.5; text-decoration: line-through; } 178 .comparison-row .nammu-val { color: var(--color-primary); font-weight: 700; } 179 180 /* ââ Trust numbers grid ââ */ 181 .trust-grid { 182 display: grid; 183 grid-template-columns: repeat(4, 1fr); 184 gap: 16px; margin-top: 48px; 185 } 186 .trust-card { 187 background: var(--glass-bg); 188 border: var(--glass-border); 189 border-radius: var(--radius-md); 190 padding: 24px 20px; 191 text-align: center; 192 } 193 .trust-card__number { 194 font-size: clamp(1.8rem, 3vw, 2.4rem); 195 font-weight: 800; color: var(--color-primary); 196 line-height: 1; 197 } 198 .trust-card__label { 199 font-size: 0.78rem; color: var(--color-text-muted); 200 margin-top: 8px; line-height: 1.4; 201 } 202 203 204 .trust-card a { 205 font-size: 0.72rem; color: var(--color-primary); 206 text-decoration: underline; text-underline-offset: 2px; 207 display: block; margin-top: 6px; 208 } 209 210 /* ââ Vault cards ââ */ 211 .vault-grid { 212 display: grid; grid-template-columns: 1fr 1fr; 213 gap: 16px; margin-top: 32px; 214 } 215 .vault-card { 216 background: var(--glass-bg); 217 border: var(--glass-border); 218 border-radius: var(--radius-lg); 219 padding: 28px; 220 transition: box-shadow 0.3s, transform 0.3s; 221 } 222 .vault-card:hover { 223 box-shadow: 0 8px 24px rgba(91, 115, 237, 0.08); 224 transform: translateY(-2px); 225 } 226 .vault-card--soon { opacity: 0.55; } 227 .vault-tag { 228 display: inline-block; 229 font-size: 0.68rem; font-weight: 700; 230 text-transform: uppercase; letter-spacing: 0.06em; 231 padding: 4px 10px; border-radius: 100px; 232 margin-bottom: 12px; 233 } 234 .vault-tag--active { background: rgba(16,185,129,0.1); color: #10b981; } 235 .vault-tag--soon { background: rgba(38,20,28,0.04); color: var(--color-text-muted); } 236 .vault-card h4 { font-size: 1.05rem; font-weight: 700; margin-bottom: 6px; } 237 .vault-card p { font-size: 0.85rem; color: var(--color-text-muted); line-height: 1.6; margin-bottom: 12px; } 238 .vault-stats { display: flex; gap: 20px; } 239 .vault-stat { font-size: 0.72rem; color: var(--color-text-muted); } 240 .vault-stat strong { display: block; font-size: 0.95rem; font-weight: 700; color: var(--color-text); } 241 .vault-rate { 242 font-size: 1.4rem; font-weight: 800; 243 color: #10b981; margin-bottom: 14px; 244 } 245 246 /* ââ Partner rows ââ */ 247 .partners { margin-top: 32px; } 248 .partner-card { 249 display: flex; align-items: center; gap: 16px; 250 padding: 18px 20px; margin-bottom: 10px; 251 background: var(--glass-bg); 252 border: var(--glass-border); 253 border-radius: var(--radius-md); 254 } 255 .partner-score { 256 background: #10b981; color: #fff; 257 font-size: 0.68rem; font-weight: 800; 258 padding: 5px 10px; border-radius: 100px; 259 white-space: nowrap; flex-shrink: 0; 260 } 261 .partner-score--alt { background: var(--color-primary); } 262 .partner-card h4 { font-size: 0.92rem; font-weight: 700; margin-bottom: 2px; } 263 .partner-card p { font-size: 0.8rem; color: var(--color-text-muted); margin: 0; line-height: 1.4; } 264 265 /* ââ FAQ ââ */ 266 .faq-list { margin-top: 32px; } 267 .faq-item { 268 border-bottom: 1px solid rgba(91, 115, 237, 0.08); 269 } 270 .faq-item summary { 271 padding: 20px 0; 272 font-weight: 600; font-size: 0.95rem; 273 cursor: pointer; list-style: none; 274 display: flex; justify-content: space-between; align-items: center; 275 } 276 .faq-item summary::-webkit-details-marker { display: none; } 277 .faq-item summary::after { 278 content: '+'; font-size: 1.4rem; font-weight: 300; 279 color: var(--color-primary); transition: transform 0.2s; 280 flex-shrink: 0; margin-left: 16px; 281 } 282 .faq-item[open] summary::after { content: 'â'; } 283 .faq-answer { 284 padding: 0 0 20px; 285 font-size: 0.9rem; color: var(--color-text-muted); line-height: 1.8; 286 } 287 288 /* ââ Technical details ââ */ 289 .tech-section { 290 margin-top: 48px; 291 border: var(--glass-border); 292 border-radius: var(--radius-lg); 293 overflow: hidden; 294 } 295 .tech-section summary { 296 padding: 20px 24px; 297 font-weight: 700; font-size: 0.95rem; 298 cursor: pointer; list-style: none; 299 display: flex; justify-content: space-between; align-items: center; 300 background: var(--glass-bg); 301 } 302 .tech-section summary::-webkit-details-marker { display: none; } 303 .tech-section summary::after { 304 content: 'â¾'; color: var(--color-text-muted); 305 transition: transform 0.2s; 306 } 307 .tech-section[open] summary::after { transform: rotate(180deg); } 308 .tech-body { 309 padding: 24px; 310 border-top: 1px solid rgba(91, 115, 237, 0.08); 311 } 312 .tech-body h4 { font-size: 0.92rem; font-weight: 700; margin: 20px 0 6px; } 313 .tech-body h4:first-child { margin-top: 0; } 314 .tech-body p { font-size: 0.85rem; color: var(--color-text-muted); line-height: 1.7; } 315 .tech-body a { 316 color: var(--color-primary); 317 text-decoration: underline; text-underline-offset: 2px; 318 } 319 .tech-links { margin-top: 20px; padding-top: 16px; border-top: 1px solid rgba(91, 115, 237, 0.08); } 320 .tech-links a { display: block; font-size: 0.85rem; padding: 6px 0; } 321 322 /* ââ Disclosure ââ */ 323 .disclosure { 324 padding: 20px 24px; margin-top: 48px; 325 background: rgba(91, 115, 237, 0.03); 326 border: 1px solid rgba(91, 115, 237, 0.08); 327 border-radius: var(--radius-md); 328 font-size: 0.76rem; color: var(--color-text-muted); line-height: 1.7; 329 } 330 331 /* ââ Final CTA ââ */ 332 .hiw-cta { 333 text-align: center; padding: 80px 0; 334 } 335 .hiw-cta h2 { font-size: 1.6rem; font-weight: 800; margin-bottom: 8px; } 336 .hiw-cta p { color: var(--color-text-muted); margin-bottom: 24px; font-size: 0.95rem; } 337 .hiw-cta .btn { font-size: 1rem; padding: 14px 32px; } 338 .hiw-cta-sub { margin-top: 16px; font-size: 0.85rem; color: var(--color-text-muted); } 339 .hiw-cta-sub a { color: var(--color-primary); text-decoration: underline; text-underline-offset: 2px; } 340 341 /* ââ Responsive ââ */ 342 @media (max-width: 768px) { 343 .explainer { grid-template-columns: 1fr; gap: 32px; } 344 .explainer--reverse { direction: ltr; } 345 .trust-grid { grid-template-columns: repeat(2, 1fr); } 346 .vault-grid { grid-template-columns: 1fr; } 347 .flow-step { grid-template-columns: 48px 1fr; gap: 16px; } 348 .flow-icon { width: 48px; height: 48px; font-size: 20px; border-radius: 12px; } 349 } 350 </style> 351</head> 352 353<body> 354 <!-- ââ Navbar ââ --> 355 <nav class="navbar"> 356 <div class="container nav-container"> 357 <div class="logo"> 358 <a href="/" style="display:flex;align-items:center;gap:8px;"> 359 <img src="assets/brand/logo-on-electric-horizon-row1.png?v=20260329perf1" alt="Nammu Logo" class="logo-img" decoding="async">
360 <span class="logo-text">Nammu</span> 361 </a> 362 </div> 363 <div class="nav-right"> 364 <a href="/#waitlist" class="btn btn-primary">Join Waitlist</a> 365 </div> 366 </div> 367 </nav> 368 369 <!-- ââââââââââââââââââââââââââââââââââââââââââ 370 1. Hero 371 ââââââââââââââââââââââââââââââââââââââââââ --> 372 <section class="hiw-hero"> 373 <div class="hiw-narrow"> 374 <h1>Your money doesn't sit in a vault.<br>It works.</h1> 375 <p>Banks lend your money out and keep most of the returns. Nammu does it differently.</p> 376 </div> 377 </section> 378 379 <!-- ââââââââââââââââââââââââââââââââââââââââââ 380 2. How It Works â Steps 381 ââââââââââââââââââââââââââââââââââââââââââ --> 382 <section class="hiw-section hiw-section--alt"> 383 <div class="hiw-narrow"> 384 <div class="hiw-label">How It Works</div> 385 <h2 class="hiw-h2">From your bank to the rainforest, in six steps.</h2> 386 387 <div class="flow-steps"> 388 <div class="flow-step"> 389 <div class="flow-icon">ðµ</div> 390 <div> 391 <h3>You add funds from your bank</h3> 392 <p>Link your bank account and transfer any amount starting at $10. Your money appears in your Nammu account within minutes. No monthly fees.</p> 393 <div class="flow-trust">Your funds are held as digital dollars, a regulated stablecoin whose reserves include cash and US Treasury bonds, verified monthly by Deloitte.</div> 394 </div> 395 </div> 396 <div class="flow-step"> 397 <div class="flow-icon">ð</div> 398 <div> 399 <h3>Your funds earn rewards through lending</h3> 400 <p>Your money enters a secure lending market. Same principle as banks, except you keep more of the rewards. Borrowers put up more than they borrow as security. If they can't repay, their security is automatically sold to protect your funds.</p> 401 <div class="flow-trust">This lending market manages over $3.7B in funds and has been independently reviewed 25 times. <a href="https://docs.morpho.org/get-started/resources/audits/" target="_blank" rel="noopener">Full audit list</a></div> 402 </div> 403 </div> 404 <div class="flow-step"> 405 <div class="flow-icon">ð</div> 406 <div> 407 <h3>Your balance earns rewards daily</h3> 408 <p>Rewards accrue daily based on borrower demand. No action needed from you. Rates are typically higher than banks because there's no headquarters, branch network, or executive bonus pool taking a cut.</p> 409 <div class="flow-trust">Reward rates are variable and depend on market conditions. We show you the current rate in real-time. No teaser rates, no bait-and-switch.</div> 410 </div> 411 </div> 412 <div class="flow-step"> 413 <div class="flow-icon">ð¿</div> 414 <div> 415 <h3>Keep what you want. Give what you choose.</h3> 416 <p>Use the slider to decide how much of your rewards you keep and how much goes to rainforest conservation. Want to keep everything? That's fine. Want to send it all to the Amazon? Also fine.</p> 417 <div class="flow-trust">You can change your split anytime.</div> 418 </div> 419 </div> 420 <div class="flow-step"> 421 <div class="flow-icon">ð</div> 422 <div> 423 <h3>Every donation is traceable</h3> 424 <p>When your rewards are donated, the transaction is recorded on a public ledger that anyone can verify. You'll see exactly when your money was sent, how much, and to which conservation partner.</p> 425 <div class="flow-trust">Our partners hold 100/100 on Charity Navigator. Up to 92% of every dollar goes directly to conservation programs.</
425div> 426 </div> 427 </div> 428 <div class="flow-step"> 429 <div class="flow-icon">ð¦</div> 430 <div> 431 <h3>Your money. Your timeline.</h3> 432 <p>Request a withdrawal to your bank account whenever you want. No lockups, no penalties, no waiting periods.</p> 433 <div class="flow-trust">We process withdrawals within minutes on our end. Bank arrival typically takes 1-2 business days. Subject to lending market liquidity.</div> 434 </div> 435 </div> 436 </div> 437 </div> 438 </section> 439 440 <!-- ââââââââââââââââââââââââââââââââââââââââââ 441 3. Where do rewards come from 442 ââââââââââââââââââââââââââââââââââââââââââ --> 443 <section class="hiw-section hiw-section--warm"> 444 <div class="hiw-wide"> 445 <div class="hiw-label">The Honest Answer</div> 446 <h2 class="hiw-h2">"Okay, but where does the money actually come from?"</h2> 447 448 <div class="explainer"> 449 <div class="explainer__text"> 450 <p>Your bank pays you under 0.4% on what you keep there (<a href="https://www.fdic.gov/resources/bankers/national-rates/" target="_blank" rel="noopener" style="color: var(--color-primary); text-decoration: underline; text-underline-offset: 2px;">FDIC, March 2026</a>). Meanwhile, they lend your money out to homebuyers, businesses, and credit card holders, earning 5-7% on those loans.</p> 451 <p>The difference between what they earn and what they pay you? That's their profit.</p> 452 <p>Nammu works on the same principle, just without the bank in the middle. Your funds go into a secure lending market where borrowers pay for access to capital. Because there's no bank taking the spread, more of the rewards go back to you.</p> 453 <p><strong>That's it. No exotic strategies. Just lending, with better economics.</strong></p> 454 </div> 455 <div class="explainer__visual"> 456 <div style="font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--color-text-muted); margin-bottom: 16px;">On a $5,000 balance · 1 year</div> 457 <div class="comparison-row"> 458 <span>Your bank pays you</span> 459 <span class="bank">~$20</span> 460 </div> 461 <div class="comparison-row"> 462 <span>Your bank earns from lending it</span> 463 <span style="font-weight:600;">~$300</span> 464 </div> 465 <div class="comparison-row"> 466 <span>The bank keeps</span> 467 <span style="font-weight:600;">~$280</span> 468 </div> 469 <div style="height:1px;background:rgba(91,115,237,0.1);margin:8px 0;"></div> 470 <div class="comparison-row"> 471 <span><strong>Nammu pays you</strong></span> 472 <span class="nammu-val">Up to $400</span> 473 </div> 474 </div> 475 </div> 476 </div> 477 </section> 478 479 <!-- ââââââââââââââââââââââââââââââââââââââââââ 480 4. Trust numbers 481 ââââââââââââââââââââââââââââââââââââââââââ --> 482 <section class="hiw-section"> 483 <div class="hiw-wide"> 484 <div style="text-align: center;"> 485 <div class="hiw-label">Security & Trust</div> 486 <h2 class="hiw-h2">What protects your money</h2> 487 <p class="hiw-body" style="margin: 0 auto;">There is real risk involved. Here's what stands between your money and a bad day.</p> 488 </div> 489 490 <div class="trust-grid" style="grid-template-columns: repeat(3, 1fr);"> 491 <div class="trust-card"> 492 <div class="trust-card__number">$3.7B+</div> 493 <div class="trust-card__label">Total funds managed<br>in the lending market</div> 494 <a href="https://defillama.com/protocol/morpho" target="_blank" rel="noopener">Live data</a> 495 </div> 496 <div class="trust-card"> 497 <div class="trust-card__number">25</div> 498 <div class="trust-card__label">Independent security<br>reviews completed</div> 499 <a href="https://docs.morpho.org/get-started/resources/audits/" target="_blank" rel="noopener">Audit list</a> 500 </div> 501 <div class="trust-card"> 502 <div class="trust-card__number">Monthly</div> 503 <div class="trust-card__label">Reserve verification<br>by Deloitte & Touche</div> 504 <a href="https://www.circle.com/transparency" target="_blank" rel="noopener">View reports</a> 505 </div> 506 </div> 507 508 <p style="text-align: center; font-size: 0.85rem; color: var(--color-text-muted); margin-top: 24px;">The digital dollars backing your funds are also trusted by <strong style="color: var(--color-text);">Visa</strong>, <strong style="color: var(--color-text);">Stripe</strong>, and <strong style="color: var(--color-text);">PayPal</strong>.</p> 509 510 <div style="max-width: 740px; margin: 48px auto 0;"> 511 <h3 style="font-size: 1.1rem; font-weight: 700; margin-bottom: 12px;">What Nammu is NOT</h3> 512 <ul style="font-size: 0.92rem; color: var(--color-text-muted); line-height: 2.2; padding-left: 20px;"> 513 <li>Nammu is <strong style="color: var(--color-text);">not a bank</strong>. We're a technology platform.</li> 514 <li>Your funds are <strong style="color: var(--color-text);">not FDIC insured</strong> or government-guaranteed.</li> 515 <li>Reward rates are <strong style="color: var(--color-text);">variable</strong> and not guaranteed.</li> 516 <li>Like any financial product, there is <strong style="color: var(--color-text);">risk involved</strong>, including potential loss of principal.</li> 517 </ul> 518 <p style="font-size: 0.95rem; margin-top: 16px; font-weight: 600;">We believe transparency about risk is more protective than false assurances of safety.</p> 519 </div> 520 </div> 521 </section> 522 523 <!-- ââââââââââââââââââââââââââââââââââââââââââ 524 5. Lending Vaults (multi-vault ready) 525 ââââââââââââââââââââââââââââââââââââââââââ --> 526 <section class="hiw-section hiw-section--alt"> 527 <div class="hiw-narrow"> 528 <div class="hiw-label">
528Infrastructure</div> 529 <h2 class="hiw-h2">Where your funds are deployed</h2> 530 <p class="hiw-body">Nammu allocates your funds across independently audited lending markets, selected for their security track record and liquidity depth.</p> 531 532 <div class="vault-grid"> 533 <div class="vault-card"> 534 <span class="vault-tag vault-tag--active">Active</span> 535 <div class="vault-rate">Up to 8%</div> 536 <h4>Secure Lending Market I</h4> 537 <p>Over-secured lending market where borrowers must put up more than they borrow. Strict collateral thresholds with automatic liquidation.</p> 538 <div class="vault-stats"> 539 <div class="vault-stat"><strong>$3.7B+</strong> Funds managed</div> 540 <div class="vault-stat"><strong>25</strong> Audits</div> 541 <div class="vault-stat"><strong>2022</strong> Launched</div> 542 </div> 543 </div> 544 <div class="vault-card vault-card--soon"> 545 <span class="vault-tag vault-tag--soon">Coming Soon</span> 546 <div class="vault-rate" style="color: var(--color-text-muted);">TBA</div> 547 <h4>Secure Lending Market II</h4> 548 <p>A second independently audited lending market providing diversified reward sources and additional liquidity options.</p> 549 <div class="vault-stats"> 550 <div class="vault-stat"><strong>â</strong> Details soon</div> 551 </div> 552 </div> 553 </div> 554 555 <p style="font-size: 0.82rem; color: var(--color-text-muted); margin-top: 24px; line-height: 1.6;">As we add new lending markets, your funds may be allocated across multiple vaults to optimize rewards and reduce concentration risk. You'll always see exactly where your funds are deployed.</p> 556 </div> 557 </section> 558 559 <!-- ââââââââââââââââââââââââââââââââââââââââââ 560 6. Conservation Partners 561 ââââââââââââââââââââââââââââââââââââââââââ --> 562 <section class="hiw-section"> 563 <div class="hiw-narrow"> 564 <div class="hiw-label">Impact</div> 565 <h2 class="hiw-h2">Real forests. Real receipts.</h2> 566 <p class="hiw-body">Every donation is recorded on a public ledger with a unique transaction ID you can verify yourself.</p> 567 <p class="hiw-body" style="margin-top: 8px;">Our primary partner spends <strong>92.22%</strong> of funds directly on conservation programs. <a href="https://www.charitynavigator.org/ein/133500609" target="_blank" rel="noopener" style="color: var(--color-primary); text-decoration: underline; text-underline-offset: 2px;">Source</a></p> 568 569 <div class="partners"> 570 <div class="partner-card"> 571 <span class="partner-score">100/100</span> 572 <div> 573 <h4>Rainforest Trust</h4> 574 <p>60M+ acres protected across 67 countries · 92% of funds to programs</p> 575 </div> 576 </div> 577 <div class="partner-card"> 578 <span class="partner-score">100/100</span> 579 <div> 580 <h4>Rainforest Foundation US</h4> 581 <p>43M acres of Indigenous land secured · Satellite & drone monitoring</p> 582 </div> 583 </div> 584 <div class="partner-card"> 585 <span class="partner-score partner-score--alt">Advocacy</span> 586 <div> 587 <h4>Amazon Watch</h4> 588 <p>6M hectares defended · 26 extraction projects stopped · Indigenous rights</p> 589 </div> 590 </div> 591 </div> 592 </div> 593 </section> 594 595 <!-- ââââââââââââââââââââââââââââââââââââââââââ 596 7. FAQ 597 ââââââââââââââââââââââââââââââââââââââââââ --> 598 <section class="hiw-section hiw-section--alt"> 599 <div class="hiw-narrow"> 600 <div class="hiw-label">FAQ</div> 601 <h2 class="hiw-h2">Questions we'd ask if we were you</h2> 602 603 <div class="faq-list"> 604 <details class="faq-item"> 605 <summary>How is this different from a high-yield savings account?</summary> 606 <div class="faq-answer">A traditional HYSA is offered by an FDIC-insured bank. Nammu is not a bank and your funds are not FDIC insured. Nammu's lending market typically offers higher reward rates because there's no bank intermediary taking a cut. The trade-off: higher potential rewards, but without government-backed insurance.</div> 607 </details> 608 <details class="faq-item"> 609 <summary>What's the minimum to get started?</summary> 610 <div class="faq-answer">$10.</div> 611 </details> 612 <details class="faq-item"> 613 <summary>How quickly can I withdraw?</summary> 614 <div class="faq-answer">Withdrawals are processed on our end within minutes. How quickly the funds appear in your bank account depends on your bank, typically 1-2 business days. No penalties, no lockups.</div> 615 </details> 616 <details class="faq-item"> 617 <summary>Do I have to donate to conservation?</summary> 618 <div class="faq-answer">No. You can set your donation split to 0% and keep all your rewards. The conservation feature is entirely optional.</div> 619 </details> 620 <details class="faq-item"> 621 <summary>Why are the rates higher than my bank?</summary> 622 <div class="faq-answer">Banks earn significant returns lending your money out but pass very little back to you (the FDIC national average is under 0.4%). Nammu's lending market eliminates the middleman, so more of the rewards flow back to you.</div> 623 </details> 624 <details class="faq-item"> 625 <summary>What happens if a borrower can't repay?</summary> 626 <div class="faq-answer">Borrowers must put up more than they borrow as security. If the value drops below a safe threshold, it's automatically sold to repay the loan. This process is handled by automated rules that execute instantly. No human delay or judgment calls.</div> 627 </details> 628 <details class="faq-item"> 629 <summary>Can I lose money?</summary> 630 <div class="faq-answer">Yes. While the lending market has strong protections (over-secured loans, automated liquidation, 25 security audits), no financial product is risk-free. There have been past security incidents in the broader ecosystem â including a 2024 oracle misconfiguration and a 2025 frontend vulnerability, both resolved with no permanent loss of user funds. Potential risks include vulnerabilities in the lending infrastru
630cture, temporary instability of the digital dollars, and general market conditions. Never add money you can't afford to lose.</div> 631 </details> 632 <details class="faq-item"> 633 <summary>How do I verify my conservation donations?</summary> 634 <div class="faq-answer">Every donation generates a unique transaction ID recorded on a public ledger. You can look it up anytime to confirm the amount, recipient, and timestamp. We'll show you how in the app.</div> 635 </details> 636 <details class="faq-item"> 637 <summary>Is Nammu a bank?</summary> 638 <div class="faq-answer">No. Nammu is a technology platform, not a bank. Your funds are not FDIC insured or government-guaranteed. We provide access to a secure lending market and conservation donation tools.</div> 639 </details> 640 <details class="faq-item"> 641 <summary>How does Nammu make money?</summary> 642 <div class="faq-answer">Nammu takes a small percentage of the rewards generated by the lending market. Our fee is transparent and visible in your account at all times.</div> 643 </details> 644 </div> 645 </div> 646 </section> 647 648 <!-- ââââââââââââââââââââââââââââââââââââââââââ 649 8. Technical Details + Disclosure 650 ââââââââââââââââââââââââââââââââââââââââââ --> 651 <section class="hiw-section"> 652 <div class="hiw-narrow"> 653 <details class="tech-section"> 654 <summary>Under the hood: technical details</summary> 655 <div class="tech-body"> 656 <h4>Digital dollars</h4> 657 <p>Your funds are held as USDC, a regulated digital dollar issued by Circle. USDC is backed 1:1 by cash and short-term US Treasury bills, with reserves attested monthly by Deloitte. USDC has over $60 billion in circulation and is trusted by Visa, Stripe, and PayPal. Because USDC moves over digital payment networks, transactions settle in seconds instead of days, which is what allows us to cut out the overhead and pass more rewards back to you.</p> 658 659 <h4>Lending market</h4> 660 <p>Funds earn rewards through Morpho Protocol, an over-collateralized lending market operating on the Base network (built by Coinbase). Morpho has undergone 25 security audits by firms including Spearbit, Trail of Bits, and Cantina. The protocol manages over $3.7 billion in total funds.</p> 661 662 <h4>Conservation donations</h4> 663 <p>Donations are routed through Endaoment, a 501(c)(3) nonprofit that processes charitable giving via smart contracts on the Base network. Every donation is recorded on-chain with a verifiable transaction hash. Endaoment's maximum fee is 1.5%.</p> 664 665 <div class="tech-links"> 666 <a href="https://www.circle.com/transparency" target="_blank" rel="noopener">USDC Reserve Attestation (Deloitte)</a> 667 <a href="https://docs.morpho.org/get-started/resources/audits/" target="_blank" rel="noopener">Morpho Protocol Audits</a> 668 <a href="https://app.endaoment.org" target="_blank" rel="noopener">Endaoment Smart Contracts</a> 669 <a href="https://www.charitynavigator.org/ein/133500609" target="_blank" rel="noopener">Conservation Partner Financials</a> 670 </div> 671 </div> 672 </details> 673 674 <div class="disclosure"> 675 <strong>Important disclosure:</strong> Nammu is a technology platform, not a bank. Your funds are not bank deposits and are not insured by the FDIC or any government agency. Rewards are variable, not guaranteed, and you may lose some or all of your funds. USDC is a digital stablecoin, not US dollars held in a bank. Past reward rates are not indicative of future rates. Nammu is not a registered investment adviser or broker-dealer. 676 </div> 677 </div> 678 </section> 679 680 <!-- ââââââââââââââââââââââââââââââââââââââââââ 681 9. CTA 682 ââââââââââââââââââââââââââââââââââââââââââ --> 683 <section class="hiw-cta"> 684 <div class="hiw-narrow"> 685 <h2>Still have questions?</h2> 686 <p>We'd rather answer a hundred questions than have one person feel unsure.<br>Reach out at <a href="/cdn-cgi/l/email-protection#ec85828a83ac828d818199c28a85828d828f89" style="color: var(--color-primary); font-weight: 600;"><span class="__cf_email__" data-cfemail="7b12151d143b151a16160e551d12151a15181e">[email protected]</span></a>. A human will reply.</p> 687 <a href="/#waitlist" class="btn btn-primary">Join the Waitlist</a> 688 <div class="hiw-cta-sub"> 689 <a href="/">Back to homepage</a> 690 </div> 691 </div> 692 </section> 693 694 <!-- ââ Footer ââ --> 695 <footer> 696 <div class="container footer-content"> 697 <div class="footer-logo">Nammu</div> 698 <div class="footer-links"> 699 <a href="privacy.html">Privacy</a> 700 <a href="terms.html">Terms</a> 701 <a href="how-it-works.html" style="color: var(--color-primary);">How It Works</a> 702 <a href="/cdn-cgi/l/email-protection#c3aaada5ac83ada2aeaeb6eda5aaada2ada0a6">Contact</a> 703 </div> 704 <div class="footer-copy">© 2026 Nammu. All rights reserved.</div> 705 </div> 706 </footer> 707 <!-- UTM capture â stores params in sessionStorage so they survive navigation to /#waitlist -->
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