Question 1

How has Jay Pennies to Jay Dollars done for depositors so far?

Accepted Answer

Blacklight's verdict is 'Caution'. Risk score 15/100, max drawdown 12%, Sharpe 0.85. On its record so far it does NOT clear our bar &mdash; see the risk and operator figures. This describes the record so far; it is not a forecast or a recommendation.

Question 2

What is Jay Pennies to Jay Dollars's return and TVL?

Accepted Answer

As of 2026-11-04: 6% 30-day APR, $178k total value locked.

Question 3

How risky is Jay Pennies to Jay Dollars?

Accepted Answer

Risk score 15/100. Worst historical drawdown 12%. Sharpe (return per unit of swing) 0.85.

Question 4

Who runs Jay Pennies to Jay Dollars?

Accepted Answer

Operator 0x20a510e57a5d17fd0a07d4d7435db2854ea5ced0, keeping 90.8% of the vault in their own money and taking 10% commission on profits.

Vault address	0x3b4f22366857da94f9346f88eac84718c8a8d48d
Operator	0x20a510e57a5d17fd0a07d4d7435db2854ea5ced0

Verdict	Caution
30-day APR	6%
TVL	$178k
Risk score	15/100
Max drawdown	12%
Sharpe	0.85
Operator own money	90.8%
Commission	10%
Depositors	37