Passive income, rebuilt for the digital euro era.
Estonian fixed-income issuer for qualified European companies and individuals. We bridge capital to on-chain yield infrastructure. By invitation only.
Three options for European capital. Three different return profiles.
// DeFi liquid range observed across Aave / Compound / Nexo USDC 12-month trailing. Past performance is not indicative of future results.
// Specific commercial terms (coupon, lock-up, fees, minimum) are disclosed only to qualified investors who have requested access.
Discover the potential of your treasury.
Enter your capital, set a horizon, and choose your mix between liquid (Nexo) and Kompass. Numbers update instantly.
Your projected outcome
On-chain yield is structurally higher.
Lenders meet borrowers directly.
Aave, Compound, and Morpho clear capital and demand without a bank between them. The spread accrues to the lender.
Rates set by demand, not committee.
On-chain rates are algorithmic — driven by utilization curves in real time. No central bank lag, no administrative pass-through.
No float. No T+2.
Capital deploys, accrues, and redeems on the same blockchain in seconds. Less friction, no operational drag.
Tokenization is not a bet. It is already happening.
An official Nexo partnership for European treasury.
Two complementary tiers, one onboarding.
Liquid yield on Nexo for daily flexibility. Locked yield on Kompass for higher long-duration return. Allocate as you see fit.
Built by operators. Counseled by lawyers.
Finance leader with CFO / VP Finance experience across the US and Europe, including leadership roles at General Electric, Elor Holding, and PE-backed healthcare companies. Deep expertise in structuring, treasury design, risk controls, and investor-grade reporting — with specialized knowledge in stablecoin market infrastructure and disciplined allocation frameworks across fragmented yield opportunities.
Founder or co-founder of several companies specializing in construction and real estate, Freddy also acts as an associated business buyer in other sectors. His operations span three geographies: the Pacific, the United States, and Europe. As a serial entrepreneur, he supports both new company creation from scratch and the acquisition and development of existing businesses. Founder-president of a francophone association based in Mallorca, he leads CEP within it, a business network acting as a relay for La Peña in Spain and FFI in France.
Answers to the questions you'll ask first.
Higher yield is not free. Here's what it costs.
Smart contract risk
DeFi protocols depend on code correctness. Even audited, multi-year codebases can contain bugs that lead to partial or total loss.
Custodial counterparty
Funds transit through custodians (Nexo, Monerium, Kraken). Insolvency, fraud, or operational failure would impact timing and amount of recovery.
Stablecoin / depeg
Stablecoins depend on issuer reserves. Loss of confidence, impairment, or redemption freeze can break the peg — as USDC briefly did in March 2023.
Built by operators. Counseled by lawyers.
Kompass Finance OÜ is an Estonian private limited company connecting qualified European investors to fixed-income returns generated by on-chain yield infrastructure — primarily large DeFi lending protocols and the tokenized real-world asset ecosystem.
Our investment instrument is a Global Promissory Note — a fixed-income debt obligation, offered as a private placement under EU Prospectus Regulation exemptions. It is not a public offering, not a listed security, and not covered by deposit insurance.
Counsel: FRP Abogados, Madrid. Voluntary AML manual, designated MLRO. Banking through Nexo (official partnership) and Monerium (MiCA-licensed EMI).
The facts
Optimize your treasury.
Qualified companies and individuals only. Contact us directly to receive the calculator, term sheet, and deck.
Private placement. Qualified investors only. Not investment, legal, or tax advice. Capital at risk.