> For the complete documentation index, see [llms.txt](https://onex-3.gitbook.io/onex-document/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://onex-3.gitbook.io/onex-document/staking-yields.md).

# Staking yields

## 9.1 Philosophy of Returns

ONEx generates yield exclusively from real economic activity — profit sharing from trade, business growth, and productive assets. All returns represent genuine economic value creation, not speculative inflation.

**ONEx does not offer:**

* Unsustainable "ponzinomics" yield
* Yield funded by new investor capital
* Returns that require token price appreciation to be real

## 9.2 Staking Pools

| Lock Period  | Base APY | Notes               |
| ------------ | -------- | ------------------- |
| Flexible     | 8%       | Unstake any time    |
| 30-Day Lock  | 15%      | Early exit penalty  |
| 90-Day Lock  | 22%      | Moderate commitment |
| 180-Day Lock | 30%      | Long-term holder    |
| 365-Day Lock | 40%      | Diamond hands tier  |

**With Loyalty Multiplier (Diamond tier + 365-day lock):** 40% × 3.0× = **120% APY**

All staking rewards vest linearly over 7 days after claim. Selling before fully vested forfeits unvested rewards — returned to staking pool.

## 9.3 zkML Credit & Lending

ONEx enables undercollateralized borrowing based on on-chain reputation:

| Credit Score        | Max Loan-to-Value       | Interest Rate    |
| ------------------- | ----------------------- | ---------------- |
| 750–850 (Excellent) | 150% of collateral      | \~8% annualized  |
| 680–749 (Good)      | 120%                    | \~12% annualized |
| 620–679 (Fair)      | 100%                    | \~18% annualized |
| <620 (Building)     | Overcollateralized only | \~24% annualized |

Credit scores are generated on-device using the zkML engine and verified on-chain. The lender receives a ZK proof of creditworthiness — never the underlying data.

## 9.4 Risk Mitigation Stack

| Risk                   | Mitigation                                                      |
| ---------------------- | --------------------------------------------------------------- |
| Smart contract exploit | Dual independent audits + formal verification + $1M+ bug bounty |
| Oracle manipulation    | TWAP (30-min minimum) prevents single-block manipulation        |
| Liquidity crisis       | JIT liquidity + multiple LP sources + dynamic size limits       |
| Borrower default       | Overcollateralization + automatic liquidation + insurance fund  |
| Flash loan attacks     | TWAP oracle immunity + circuit breakers                         |
| Regulatory action      | Geo-adaptive compliance engine + licensed partner model         |