JackCo is a no-loss DeFi lottery protocol on Base mainnet. Users deposit USDC, the protocol earns DeFi yield across Aave v3, Morpho Blue, Sky/MakerDAO, and Pendle PT strategies, and every 7 days all accumulated yield is distributed as prizes to randomly selected winners via Chainlink VRF. Your principal is never used for prizes and is withdrawable at any time.

What is a no-loss lottery?

A no-loss lottery (also called prize-linked savings or prize savings account) is a system where only interest/yield — not your principal — is used as prize money. Win or lose, you always get your full deposit back. JackCo is the DeFi/crypto version of this concept, using stablecoin yield as the prize pool.

Is my principal really safe? Can I lose my money?

Your principal is protected by smart contract logic. Smart contracts mathematically enforce that only yield can be used for prizes. The JackCo team cannot access or move user deposits. Standard DeFi smart contract risks apply (bugs in integrated protocols), but all integrated protocols are blue-chip, heavily audited platforms.

How does JackCo earn yield on my USDC?

JackCo automatically allocates USDC across multiple DeFi yield strategies: Aave v3 (lending, 4-6% APY), Morpho Blue (optimized vaults, 5-8% APY), Sky/MakerDAO sUSDS (DSR, 4-5% APY), and Pendle PT (fixed-yield, 6-10% APY). The StrategyManager rebalances for optimal risk-adjusted returns.

When are prize draws held?

Prize draws occur every 7 days, enforced by the DrawBeacon smart contract on Base mainnet. JackCo uses TWAB (Time-Weighted Average Balance), so the longer you keep your deposit, the stronger your win probability.

How are winners selected?

Winners are selected using Chainlink VRF (Verifiable Random Function), providing cryptographically secure, publicly verifiable on-chain randomness. No one — including the JackCo team — can predict or influence the outcome.

What is TWAB and how does it affect my win probability?

TWAB (Time-Weighted Average Balance) means win probability is based on your average deposit balance over time. Depositing $1,000 USDC for the full 7-day period gives you 1,000 TWAB weight. Holding only 3.5 days gives ~500 TWAB. This rewards long-term depositors over short-term timing strategies.

JackCo charges a 12% fee on yield only — never on principal. All gas fees for deposits and withdrawals are sponsored by the protocol via Account Abstraction (ERC-4337), so users pay zero gas on Base.

What is the CLGO token and how does it boost my chances?

CLGO is JackCo's ecosystem token on Base. Holding CLGO multiplies your effective draw weight: 0 CLGO = 1.0× baseline, ≥1,000 CLGO = 1.2×, ≥10,000 CLGO = 1.5×, ≥100,000 CLGO = 2.0× (double win probability).

How do I earn CLGO tokens?

Earn CLGO by referring new depositors to JackCo. When they deposit and maintain ≥$25 USDC for 7 days, you earn CLGO proportional to their activity. The referral tree is infinite-depth with 70% decay per level. Referral rewards are distributed weekly via Merkle drop on Base.

What chains and wallets does JackCo support?

JackCo runs on Base mainnet (Chain ID 8453). CLGO boost and referral rewards also use Base (Chain ID 8453). Supported wallets: MetaMask, Coinbase Wallet, Rainbow, Trust Wallet, and any WalletConnect-compatible app.

Why are deposits gas-free?

JackCo uses Account Abstraction (ERC-4337) with Pimlico as the bundler. The protocol sponsors gas fees through a paymaster contract, so users pay zero gas for deposits and withdrawals on Base mainnet.

How do I claim my prize?

If you win, a claim button appears on the Prizes page at jackco.net/en/prizes. Prizes can be claimed at any time within 90 days of the draw. Unclaimed prizes roll over to the next prize pool.

Can I withdraw at any time?

Yes. You can withdraw your full principal at any time, 24/7, without penalty. If you withdraw mid-week, your TWAB is calculated proportionally for the days deposited. You keep all yield earned up to your withdrawal point.

What is the minimum deposit?

There is no enforced minimum for the lottery. To activate the referral program (earn CLGO rewards for referrals), you need to maintain at least $25 USDC for 7 consecutive days.

Prize size depends on total TVL and blended APY. With $1M TVL at 6% APY: ~$1,154/week. With $10M TVL: ~$11,540/week. With $100M TVL: ~$115,385/week. Prize pools grow proportionally with protocol TVL.

How does JackCo compare to a traditional savings account?

Traditional savings: 0.5–2% APY, no lottery upside. JackCo: 4–10% blended DeFi APY plus weekly prize chances, with 100% principal protection. Trade-off: JackCo carries DeFi smart contract risk while traditional savings has FDIC insurance.

How does JackCo compare to PoolTogether?

Both are no-loss lottery protocols. JackCo adds: (1) Gas-free deposits via Account Abstraction, (2) CLGO boost multiplier up to 2× win probability, (3) Cross-chain referral rewards, (4) Base-native lower fees, (5) Multi-strategy yield (Aave + Morpho + Sky + Pendle).

How does JackCo compare to DeFi staking?

DeFi staking (ETH staking, liquid staking) earns predictable APY paid continuously. JackCo deposits USDC (stablecoin, no ETH price risk), earns stablecoin yield, and pools yield for weekly prize draws. JackCo adds lottery upside that staking lacks.

How does JackCo compare to yield farming?

Traditional yield farming risks impermanent loss and token inflation. JackCo: deposit USDC only, no impermanent loss, no LP positions. Yield comes from established lending protocols (Aave, Morpho), not token emissions. Simpler and lower-risk yield source.

Is JackCo governed by a DAO?

Yes. JackCo uses OpenZeppelin Governor with a 48-hour Timelock for all parameter changes. Strategy allocations, fee rates, and new integrations require on-chain DAO votes. The JackCo team has no unilateral control over protocol parameters.

What yield strategies does JackCo use?

JackCo allocates USDC across: Aave v3 (lending protocol, instant liquidity, 4-6% APY), Morpho Blue (optimized peer-to-peer vaults, 5-8% APY), Sky Protocol sUSDS (MakerDAO savings, 4-5% APY), and Pendle PT (fixed-rate principal tokens, 6-10% APY). Max 40% allocation per strategy.

Is JackCo open source?

Yes. All smart contracts are open source on GitHub and verified on Basescan. The frontend and indexer are also open source. Contract addresses: JackCoVault 0xc742F8B5DE132845F03f541d17eADc21C36F98c3 (Base mainnet).

What is the Insurance Reserve?

The Insurance Reserve (0xEF57FFF9b3B8291963609e3617275603C971628C on Base) holds a portion of protocol fees as a security buffer. It acts as protection against unexpected events. It cannot access user principal deposits.

How does the CLGO referral program work?

Share your unique referral link. When friends deposit and maintain ≥$25 USDC for 7 days, their referral activates. You earn CLGO proportional to their activity. The tree is infinite-depth with 70% exponential decay per level. Bonuses: Pioneer (first 1,000 referrers), Width (5/20/100 referrals), Streak (4+ consecutive weeks).

Does JackCo support mobile?

Yes. The web app is fully responsive. Use MetaMask Mobile or Coinbase Wallet's in-app browser on iOS/Android to access JackCo at jackco.net.

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