G12 Labs Litepaper
Informational document — Does not constitute an offer of financial services.
1. G12 Labs
G12 Labs builds yield strategies on the blockchain and makes them accessible to everyone, from a single application. Our conviction: DeFi offers real opportunities, but they are too complex for most people. We do the technical work. You keep control.
Concretely, we develop and operate vaults — automated, transparent and non-custodial strategies — accessible via app.g12labs.com. Users interact directly with decentralized protocols, without intermediary.
Your funds stay in your wallet at all times. We can never access them.
Everything is verifiable on-chain. Every transaction, every position, every fee.
An EVM wallet and $1 USDC is all you need to get started.
Built on audited infrastructure, governed by multi-signature, monitored 24/7.
2. The Problem We Solve
DeFi creates value. But accessing it requires time, technical skills and constant vigilance. Between dozens of protocols, security risks, and ecosystem fragmentation, most users stay on the sidelines or take risks they don't fully understand.
G12 Labs simplifies this equation. One single application, a team that selects and manages the strategies, and a user who freely chooses what matches their profile. No unnecessary jargon. No hidden complexity. Just clear access to opportunities that were previously reserved for insiders.
- Dozens of protocols to monitor
- Constant security risks
- Steep technical learning curve
- 24/7 attention required
- One app, all strategies
- Expert risk management
- Deposit from $1 USDC
- Withdraw anytime
3. How It Works
G12 Labs operates with vaults. A vault is an automated strategy: you deposit your funds, the vault puts them to work according to pre-defined rules. In exchange, you receive a token that represents your share — its value evolves with the vault's performance.
User Journey
What You Do vs. What We Do
4. Our Strategies
Two vaults are currently live on Ethereum, each designed for a different risk profile. Both share the same principles: full transparency, non-custodial, and security first.
This vault is designed for users who want to generate yield on their stablecoins (USDC) with a conservative risk profile. USDC is allocated in decentralised lending markets where borrowers pay interest against collateral exceeding their loan.
| Indicative yield* | 4–8% per year |
| Deposit asset | USDC (digital dollar) |
| Minimum deposit | $1 |
| Fees | No management or performance fees |
| Withdrawal | Instant, at any time |
| Risk profile | Conservative |
| Token received | uG12 |
*The yield range is indicative and based on rates historically observed on Morpho Blue markets. It does not in any way constitute a promise or guarantee of future yield. Actual yield may be lower, zero, or even negative in exceptional market conditions.
This vault is designed for users who want optimised exposure to Bitcoin with yield generation. The strategy combines several DeFi mechanisms to slightly amplify Bitcoin exposure while generating additional income.
| Indicative yield* | 10–20% per year |
| Deposit asset | USDC |
| Minimum deposit | $1 |
| Management fee | 0.75% per year |
| Performance fee | 10% on profits only |
| Withdrawal | 72h delay |
| Risk profile | Moderate — Bitcoin exposure |
| Token received | bG12 |
*The yield range is indicative and based on historical strategy performance across different market conditions. It does not constitute a promise or guarantee of future yield. This vault has direct Bitcoin price exposure and yield may be negative.
Which Vault for Which Profile?
*Indicative ranges, not guaranteed. See detailed warnings in the Risks section.
Future Developments
This is just the beginning. Our team continuously works on new strategies and new opportunities. Each new vault goes through our internal validation process before going to production. Future additions will be announced on g12labs.com.
5. Fees
Our fees are transparent and entirely visible on-chain.
| Fee | G12 Stable Yield | G12 BTC Yield |
|---|---|---|
| Management | 0% | 0.75% / year |
| Performance | 0% | 10% on net profits |
| Entry | 0% | 0% |
| Exit | 0% | 0.20% |
Fee Examples — BTC Yield Vault
Deposit $10,000 — flat year
- Management fee: $75 / yr (0.75%)
- Performance fee: $0
- Total annual cost: $75
Deposit $10,000, profit $2,000
- Management fee: $75 / yr
- Performance fee: $200 (10% of $2,000)
- Total cost: $275
- Net gain: $1,725 (17.25%)
Deposit $10,000 — loss year
- Management fee: $75 / yr
- Performance fee: $0 (no profit)
- High-water mark applies — must recover before next performance fee
6. Security
We take no shortcuts on security. Each vault is built on protocols audited by the best firms in the sector, governed by multi-signatures, and continuously monitored. Zero risk does not exist in DeFi — but we do everything to minimise it.
Your funds remain in your wallet. We can never access them. Even if G12 Labs disappears, you keep your tokens.
No critical operation can be performed by a single person. Multiple signatures are always required.
We only use protocols verified by the world's best security firms (ChainSecurity, OpenZeppelin, Trail of Bits).
Any major change is announced in advance. You have time to withdraw your funds if you disagree.
Our systems continuously monitor positions and alert the team if a problem is detected.
Everything is publicly verifiable. Every transaction, every position, every fee.
Multi-Layer Architecture
7. Transparency
You can track the status of your investments in real time from multiple sources:
| Where to check | What you will find |
|---|---|
| app.g12labs.com | Your personal dashboard — all your vaults, yields and positions |
| etherscan.io | All transactions on the blockchain |
| Enzyme Finance | Vault configuration, holdings, performance, and fees |
| Safe (Gnosis) | Multi-signature governance actions and history |
What You Can Verify
- Every deposit and withdrawal
- Every rebalancing transaction
- Every protocol interaction
- Fee collections
- Share price evolution
- NAV (Net Asset Value)
- Vault configuration and policies
- Multi-sig governance history
8. Contract Addresses
For those who want to verify themselves:
Symbol: uG12 | Network: Ethereum
Symbol: bG12 | Network: Ethereum
Type: 2-of-3 | Network: Ethereum
9. Risks
Investing in crypto involves risks. We take them very seriously and do everything to minimise them, but zero risk does not exist.
| Risk | Plain explanation |
|---|---|
| Market risk | Crypto prices can vary significantly. The BTC vault is directly impacted. The Stable Yield vault has low exposure. |
| Technical risk | The protocols we use could have a bug, even though they are audited by the best firms. |
| Yield risk | The yields shown are targets, not guarantees. They vary depending on market conditions. |
| Liquidity risk | Temporary inability to withdraw funds (72h delay for BTC vault). In exceptional cases, positions may take longer to unwind. |
| Regulatory risk | Laws around crypto can evolve and impact the services available. |
| USDC depeg risk | USDC could temporarily lose its parity with the US dollar. |
10. Legal & Disclaimers
Regulatory Status
G12 Labs is not a regulated financial institution. G12 Labs holds no licence, approval, or authorisation under applicable financial regulation, including but not limited to: the status of Digital Asset Service Provider (DASP/PSAN) in France, authorisation under the European MiCA regulation (Markets in Crypto-Assets), or any equivalent licence in other jurisdictions.
The uG12 and bG12 tokens are not financial instruments within the meaning of applicable regulations. They represent shares in decentralised protocols operating on the Ethereum blockchain. These tokens are not covered by any deposit guarantee or investor compensation scheme.
Nature of the Service
G12 Labs provides a technical interface enabling interaction with third-party decentralised protocols (Morpho, Enzyme Finance, Aave, Uniswap). G12 Labs never holds custody of user funds (non-custodial service). The user interacts directly with smart contracts via their own wallet.
Risk Warning
Using the protocols described in this document involves significant risks, including but not limited to:
- Total or partial loss of deposited capital
- Risks related to smart contracts (bugs, exploits, vulnerabilities)
- Risks related to digital asset volatility
- Risks related to third-party protocols used (Morpho, Enzyme, Aave, Uniswap)
- Regulatory risks related to the evolution of legislation
- Liquidity risks (temporary inability to withdraw funds)
- USDC depeg risk (loss of parity with the US dollar)
No Financial Advice
This document is provided for purely informational and educational purposes. It does not in any way constitute: investment advice, tax or legal advice, an offer or solicitation to buy or sell digital assets, or a personalised recommendation.
Before any decision:
- Do your own research (DYOR)
- Consult a qualified financial, tax, or legal adviser
- Only invest amounts whose loss would not compromise your financial situation
- Ensure you fully understand the risks described above
Geographic Restrictions
The services described in this document may not be authorised in certain jurisdictions. It is each user's responsibility to verify the compliance of their participation with the laws and regulations applicable in their country of residence. G12 Labs accepts no responsibility for use of the service in violation of local laws.
Limitation of Liability
G12 Labs, its founders, contributors and affiliates cannot be held responsible for any financial loss resulting from the use of the services described in this document. The user assumes full responsibility for their investment decisions.
Contact
| Website | g12labs.com |
| Application | app.g12labs.com |
| info@g12labs.com |
Version 3.0 | March 2026 | Live
© 2026 G12 Labs. All rights reserved.
Always check the most recent version at g12labs.com/docs