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Simple & Passive: Investing in DeFi should be simple. Pen-X’s DAO-managed funds provide straightforward, zero maintenance exposure to the market. 

Low Cost & Transparent: Pen-X offers greater transparency than traditional funds. All positions are 100% auditable on the blockchain in real-time.

Long Term Stability: Pen-X hedges against volatility by diversifying capital across a groundbreaking range of asset classes and strategies. 

Democratic: With members drawn from an impressive pool of experts, Pen-X collectively manages its funds in a way that no individual could.

Enabling critical Pension Infrastructure on the blockchain 

The Pen-X Protocol uses smart contracts to allow workers and their employers to contribute to Pen-X retirement plans through the Pen-X dApp as well through direct integrations with existing payroll solutions.

A Decentralized Pension Protocol,
for the Web3 Workforce.

Simple exposure to complex finance strategies

Capital is invested into the Pen-X Fund, which operates a volatility target strategy to achieve its mandate of stable, long-term growth across market conditions. Our strategies shifts weightings between diversified baskets of on-chain assets built on Set Protocol.

Interested in offering a Decentralized Pension

to your contributors?

Contact a core team member on Discord or Email and ask about our partner bounty program.

CAPITAL AT RISK. Information is for educational and illustrative purposes only. Pen-X is not engaged in the business of the offer, sale, or trading of securities and does not provide legal, tax, or investment advice. Cryptocurrencies and other digital assets are speculative and involve a substantial degree of risk, including the risk of a complete loss. There can be no assurance that any cryptocurrency, token, coin, or other crypto assets will be viable, liquid, or solvent. No Pen-X communication is intended to imply that any digital assets are low-risk or risk-free. Pen-X works hard to provide accurate information on this website but cannot guarantee that all content is correct, complete, or updated. Investors may not get back the amount originally invested.

Pen-X is controlled by everyone involved: from our fund managers and engineers to the customers who invest their savings into our fund. 

Whether you run a DeFi DAO, launched your own NFT project or manage a gaming guild, we collaborate with anyone who wants to give retirement security to their team.

Truly Decentralized



We are a global community of finance professionals, and blockchain engineers focused on providing secure retirement benefits for the workforce of Web3.

Made with ❤️ across the globe

©2022 PEN-X DAO. All rights reserved.