Q3 2025 was a period of pronounced growth and strategic expansion. Total assets under management surpassed $177 million, driven by net inflows from both retail and institutional clients. The company advanced its long-term strategy by expanding its licensing framework, scaling operations in priority emerging markets, and increasing investments in marketing and user acquisition.
1 Key Highlights
2 Market Overview
Regulatory Environment
GENIUS Act provided clarity
Monetary Policy
Easing conditions & lower rates
Market Liquidity
Robust ETF inflows
Q3 2025 presented a constructive macro and market backdrop for digital assets. The enactment of the GENIUS Act provided meaningful regulatory clarity, while easing monetary conditions enhanced the attractiveness of yield-generating crypto products. Spot Bitcoin and Ethereum ETFs continued to draw substantial inflows, sustaining positive momentum.
3 Financial & Operational Metrics
| Metric | Q3 2025 Result | Annualized/APR | Change (QoQ) |
|---|---|---|---|
| Total AUM | $177,427,660 | — | +24% |
| Liquidity & Reserves | $7,617,988 | — | — |
| Total Capital Allocated | $169,809,672 | — | +18% |
| Active Users | 87,295 | — | +45% |
| Average Interest to Clients | — | 15.6% APR | — |
| Client Interest Payouts | $6.919M | — | +30% |
| Interest Income | $10.84M | — | +22% |
| Liquidity Guarantor Payments | $0.33M | 0.74% AUM ann. | +10% |
| Operating Expenses | $1.4M | — | +40% |
| Operating Result (before one-offs) | $2.19M | — | +2% |
- Legal, licensing & compliance: −$0.54M
- Marketing acceleration & hiring: −$1.21M
- Impairments & professional fees: −$0.56M
- Net Operating Income (reported): −$0.12M
Note: The reported quarterly deficit reflects a deliberate, time-limited strategic reinvestment to accelerate growth. These front-loaded expenditures are typical for scaling financial platforms and are expected to moderate as operations improve.
4 Investment Portfolio Overview
Portfolio Composition
| Investment Segment | Share | Amount | Avg. Return | Q3 Return |
|---|---|---|---|---|
| Overcollateralized Crypto Lending | 29.4% | $49.9M | 28.2% | $3.52M |
| Microcredit Programs | 24.3% | $41.2M | 34.1% | $3.52M |
| Stablecoin Yield Strategy | 11.9% | $20.2M | 16.0% | $0.81M |
| Real Estate-backed Investments | 10.1% | $17.2M | 15.6% | $0.67M |
| Market-Neutral Trading | 8.6% | $14.5M | 23.1% | $0.84M |
| DeFi Liquidity Pools | 7.9% | $13.5M | 24.3% | $0.82M |
| Exchange Liquidity Pools | 7.8% | $13.3M | 20.1% | $0.67M |
Three-Tier Allocation Strategy
Tier I – Core Income Segments (53.7% of TCA)
Constituents: Overcollateralized crypto lending and microcredit programs
Objective: Generate stable, recurring income while preserving principal capital
Profile: Foundational segment driving consistent, predictable yield streams with conservative loan-to-value limits (typically <50%)
Tier II – Strategic & Stabilizer Allocations (30.6% of TCA)
Constituents: Stablecoin yield, tokenized real estate, and market-neutral trading
Objective: Diversify return sources and mitigate portfolio volatility
Role: Provide market-neutral exposure and maintain yield stability through uncorrelated performance drivers
Tier III – Complementary Growth Strategies (15.7% of TCA)
Constituents: Vetted DeFi and exchange liquidity pools
Objective: Capture asymmetric upside within a controlled risk perimeter
Purpose: Offer measured exposure to innovation-driven growth while maintaining overall yield-oriented character
Crypto Asset Allocation
| Asset Class | Share of Portfolio |
|---|---|
| Bitcoin (BTC) | 29.4% |
| Ethereum (ETH) | 15.6% |
| USDT Stablecoin | 15.3% |
| XRP | 14.7% |
| USDC Stablecoin | 8.5% |
| Other Crypto & Stablecoins | 16.5% |
Stablecoins (USDT and USDC) collectively represent 23.8% of the portfolio, providing high-quality liquidity and robust collateral for lending operations.
5 User & Trust Growth
- User acquisition: Over 27,000 new verified users, a 45% QoQ increase in verified base
- Regional traction: Focused initiatives in Latin America and Southeast Asia produced notable uplifts
- Platform trust: Surpassed 200 verified Trustpilot reviews, reinforcing confidence in reliability
6 CoinDepo Token Success
Exchange Listings: COINDEPO token listed on BingX and Weex (September 2025), followed by MEXC (October 2025)
- Initial listing price: $0.10
- Price performance: Traded slightly below listing price amid market downturn, but demonstrated early stability
- Token Advantage Program: Launched October 2025, providing interest bonuses and loyalty incentives
Early stability, expanding exchange coverage, and new utility features position COINDEPO token to reinforce user engagement and platform loyalty.
7 Risk Management & Security
- Security audits: Completed Hacken security audit and Dual Defense bug-bounty program
- CertiK audit: In final phase with no material vulnerabilities anticipated
- Corporate structure: Primary entity relocated from Saint Vincent to Panama for enhanced regulatory alignment
- Licensing progress: Actively pursuing licenses across EU and Asian jurisdictions; finalizing El Salvador Bitcoin service license
- Insurance coverage: Custody-related insurance maintained to protect user assets
- Operational resilience: Zero material downtime, performance degradation, or slashing events in Q3
8 Platform Development & Market Penetration
Media Recognition: Featured in Forbes, USA Today, IBTimes, and TheBlock
Industry Recognition: 99Bitcoins recognized CoinDepo as a top crypto staking platform with APR up to 24%
- TOKEN2049 participation: Attended one of the world's most prominent blockchain conferences
- Industry events: Active participation in key international blockchain events to build partnerships
- Brand visibility: Expanding media presence enhancing brand awareness and market position
9 Looking Ahead – Q4 2025 / Q1 2026
Upcoming Initiatives
- Token promotion campaign: October-November 2025 campaign offering up to +5% extra interest, reduced loan rates, and enhanced rewards
- Merchant services: Credit/debit card integration for direct crypto purchases on CoinDepo website
- Instant swaps: New instant swap functionality between supported digital assets
- Expanded asset support: Broader list of supported cryptocurrencies
- Regulatory milestones: Continuing EU operating license and DASP license applications
10 Overall Conclusion
Q3 2025 marked a milestone quarter for CoinDepo, achieving substantial scale while executing a targeted reinvestment initiative aimed at accelerating growth, enhancing regulatory preparedness, and expanding product utility.
Key Achievements
- Scale achievement: AUM increased to $177.4M (+24% QoQ) with 87,295 active users (+45% QoQ)
- Solid fundamentals: Quarterly interest income of $10.84M and client payouts of $6.9M
- Strategic investments: Reported NOI of −$0.12M reflects deliberate, front-loaded growth investments rather than structural operating weakness
- Risk management: Liquidity reserves at 4.3% of AUM with stress coverage capacity of approximately 3× peak daily withdrawals
- Security validation: Ongoing third-party audits (CertiK in final review), new token listings, and launch of COINDEPO Token Advantage Program
- Market expansion: High-profile media coverage and industry endorsements enhancing brand credibility, active participation at major conferences
Platform Development Progress
Platform development and market penetration progressed materially in Q3, with:
- High-profile media coverage and industry endorsements enhancing brand credibility
- Active participation at major conferences supporting business development and partnerships
- Meaningful product traction via token listings and COINDEPO Token Advantage Program implementation
Near-Term Priorities
- Accelerate token adoption through promotional campaigns
- Launch merchant on-ramp for card purchases
- Introduce instant swaps and expanded asset support
- Complete key regulatory and security milestones to broaden regulated market access
Strategic Confidence
CoinDepo is scaling rapidly while investing in compliance, security, and product capability. The temporary impact on reported NOI reflects strategic choices to accelerate market entry and user acquisition. With strong liquidity buffers, independent security reviews, expanding market presence, and near-term product and regulatory catalysts, management expects these investments to drive operating leverage, margin recovery, and sustained long-term value for users, borrowers, and investors.
We are confident in CoinDepo's strategic direction and its ability to translate these investments into sustained growth and improved margins. By expanding product capabilities, enhancing regulatory and security safeguards, and widening market access, we will deepen client trust, accelerate client acquisition and retention, and generate long-lasting benefits for clients, partners, and stakeholders.
Thank You
For more information, visit coindepo.com
Questions or feedback? We value transparency and open dialogue — contact us at [email protected]