Frequently Asked Questions

TCIF (Tanzanite Crypto Index Fund) is a decentralized crypto index fund on BNB Smart Chain. A single BEP-20 token gives investors proportional exposure to a diversified, on-chain basket of 16 leading crypto assets across three tiers: Core, Growth, and Emerging. It is positioned as Digital Tanzanite, Africa’s rarest crypto asset, with a fixed 100 million token supply, a 0.15% annual expense ratio, and a Net Asset Value published on-chain every 15 minutes.

Tanzanite is one of the world’s rarest gemstones, found in only one place on Earth, and it became a globally recognized investment-grade asset within 18 months of its discovery on the strength of three properties: provable scarcity, single-origin pedigree, and transparent grading. TCIF replicates those same three properties on-chain: a fixed 100 million token supply for scarcity, an African-built fund for single-origin pedigree, and a 15-minute on-chain NAV oracle for transparent grading. TCIF is the digital expression of Tanzanite.

TCIF is built for African investors and the global African Diaspora, including the 350 million-plus adults across Africa who lack access to traditional banking but use mobile money. It is also open to any global investor who wants diversified, low-fee, on-chain exposure to crypto through a single token. The product is mobile-first and has a low minimum investment of roughly 10 US dollars.

TCIF is deployed on BNB Smart Chain (BSC) as a BEP-20 token. BNB Chain was chosen for its sub-cent transaction fees and sub-second finality, which remove the gas-cost friction that excludes lower-income retail investors from networks like Ethereum.

TCIF holds 16 crypto assets across three tiers. Core (60%): Bitcoin 20%, Solana 10%, Ethereum 10%, XRP 8%, BNB 8%, NEAR 4%. Growth (36%): Bittensor (TAO) 8%, Hyperliquid (HYPE) 6%, Ondo Finance (ONDO) 5%, Sui (SUI) 5%, Toncoin (TON) 5%, Venice Token (VVV) 4%, Quant (QNT) 3%. Emerging (4%): ASI Alliance (FET) 3%, Welshare Health (WEL) 0.5%, AxonDAO (AXGT) 0.5%.

TCIF uses a 60/36/4 allocation strategy: 60% Core (large-cap, deeply liquid assets), 36% Growth (mid-cap assets with measurable product-market fit), and 4% Emerging (early-stage, high-asymmetry positions sized conservatively). This structure balances institutional-grade stability with asymmetric upside while capping speculative tail risk at 4% of the portfolio.

NAV (Net Asset Value) is the total market value of the fund’s underlying assets divided by the circulating token supply. For TCIF it is calculated as the weighted sum of the 16 underlying asset prices and published on-chain by the NAVOracle smart contract. Because NAV is a deterministic function of the basket, it tracks the weighted portfolio effectively 1:1 by construction. The current baseline NAV is 0.03 US dollars per token, based on a 3 million dollar target portfolio against 100 million tokens.

TCIF’s NAV is recalculated and published on-chain every 15 minutes via an automated keeper service that sources live prices from CoinGecko and major exchanges. This is the transparent grading layer of the fund: any wallet or auditor can verify the fund’s value in real time on BscScan, with no reliance on a private dashboard.

There are two values to distinguish. The fund’s NAV tracks the weighted basket of 16 assets effectively 1:1 by construction, because NAV is calculated directly from the asset prices, with the only structural drag being the 0.15% annual fee. The token’s market price is designed to track NAV closely and is kept aligned through fully transparent real-time on-chain NAV, a buyback-and-burn funded by 5% of profits, and liquidity provisioning. Like any index or closed-end vehicle, the token can trade at a premium or discount to NAV depending on market liquidity and demand.

To buy TCIF, visit app.tcif.finance, connect a BNB Smart Chain wallet (such as Trust Wallet, MetaMask, or Binance Web3 Wallet), register and sign a message to verify wallet ownership, and complete the whitelist step. Once whitelisted, you can purchase TCIF directly in the app using BNB or USDT, with card payment via on-ramp partners being added.

The minimum purchase is 200 TCIF, approximately 10 US dollars at the private sale price. The maximum per wallet during the private sale is 250,000 TCIF. These limits are enforced on-chain by the sale smart contract.

The private sale price is 0.05 US dollars per token and the public sale price is 0.07 US dollars per token. The baseline NAV per token is 0.03 US dollars. Private sale investors enter at a discount to the public sale price.

TCIF accepts BNB and USDT (BSC-USD) directly on BNB Smart Chain. Card payments through a global on-ramp partner are being integrated so investors can buy with Visa or Mastercard. A small amount of BNB is required in your wallet to cover network gas fees for any on-chain transaction.

TCIF charges a 0.15% annual expense ratio, among the lowest in the crypto index category. For comparison, Grayscale’s Digital Large Cap product has historically charged around 2.5% and the Bitwise 10 Crypto Index around 0.85%. The low fee is made possible by smart-contract automation and on-chain operations.

TCIF publishes three scenario-based, 3-year NAV projections modeled bottom-up from per-asset multipliers: a bear case of 0.73x (NAV 0.022 dollars), a base case of 3.47x (NAV 0.104 dollars), and a bull case of 6.34x (NAV 0.190 dollars). On a 10,000 dollar position bought at the private sale price, these model outcomes of roughly 4,389 dollars, 20,820 dollars, and 38,040 dollars respectively. These are illustrative scenarios, not forecasts or guarantees; cryptocurrency investments carry significant risk including potential loss of principal.

TCIF includes a staking system with tiered rewards of 5% to 10% APY for holders who lock tokens for 30, 90, or 180 days. The staking contract is deployed and will be activated as the fund matures. Roughly 56% of the target portfolio sits in assets that support native staking or protocol yield, part of which compounds back into the fund.

TCIF is built for verification rather than trust. All eight core smart contracts are deployed and verified on BscScan, so anyone can read the code. The team token allocation is locked in an immutable, non-upgradeable vesting contract with no admin override, meaning the team cannot dump or rug. Treasury operations require multi-signature approval plus a mandatory 48-hour timelock. NAV is published on-chain every 15 minutes. The principle is simple: do not trust, verify.

No single party can unilaterally move funds. The treasury is controlled by a Gnosis Safe multi-signature wallet, and every critical operation must pass through a 48-hour TimelockController that gives investors a visible window to react before any transaction executes. The 15 million team token allocation is held in an immutable contract that vests quarterly over two years with no admin function to accelerate or divert it.

All TCIF contracts are built with Foundry in Solidity 0.8.20 using OpenZeppelin libraries and UUPS upgradeable proxy patterns, and all are verified on BscScan. Third-party security audits with CertiK and Hacken are in progress, and an Immunefi bug bounty program is planned for the public sale launch.

All contracts are public on BscScan. The TCIF token is at 0xa821BD055F778F8aa98f84C48C81E9B3Ed4FcfE9 and the NAV Oracle is at 0xB3efEc12ad478f63cB81699F1a4d2e669d8D8d3c. The full list of verified contract addresses, including the treasury, timelock, team vesting, and sale contracts, is available in the whitepaper and on the project website.

TCIF is structured as a utility and governance token, not a security. It grants no equity, no dividends, no debt claim, and no ownership of an issuing company. Token holders participate in protocol governance, such as portfolio rebalancing and fee parameters, through an on-chain DAO mechanism. Its value derives mechanically from a basket of publicly traded crypto assets rather than from the managerial efforts of a central promoter. Investors should conduct their own due diligence and consult qualified advisors, as regulatory classification varies by jurisdiction.

TCIF has a fixed total supply of 100 million tokens. The distribution is 50% to investors (private and public sale), 20% to treasury, 15% to team (vested over two years), 10% to marketing and community, and 5% to liquidity. The supply is deflationary over time through a buyback-and-burn mechanism funded by 5% of fund profits.

TCIF tokens are speculative digital assets. Key risks include market risk (crypto prices are volatile and the portfolio is correlated to the broader crypto market), liquidity risk on smaller-cap holdings, smart-contract risk, regulatory risk in a sector with evolving rules, and the risk that the token’s market price trades at a discount to NAV. Cryptocurrency investments carry significant risk including potential loss of principal. This is not financial advice; conduct your own due diligence and consult qualified financial advisors before investing.