External Integrations Strategy¶

Audience: business Executive Summary: Saga's integration-first approach leverages best-in-class external providers вместо reinventing wheels: custody providers для asset security, DeFi vaults для yield optimization, audit firms для smart contract safety. Multi-provider redundancy ensures resilience, API-first architecture обеспечивает flexibility.

Integration Philosophy¶

"Build vs Buy" Decision Framework¶

Core Principle: Saga не конкурирует с infrastructure providers — платформа агрегирует и упрощает.

Build (Internal Development):

✅ User Interface & Experience: Banking window frontend (web apps)
✅ Smart Contracts: UUPS upgradeable staking protocols (core IP)
✅ Operator Dashboard: Capital management и strategy allocation tools
✅ Integration Layer: Unified API для взаимодействия с external providers

Buy/Integrate (External Providers):

✅ Custody Services: Professional key management (Fordefi - all-in-one solution)
✅ DeFi Protocols: Yield optimization через Pendle Finance, Curve Finance + boost protocols (Convex, StakeDAO)
✅ Security Audits: Smart contract reviews (Trail of Bits, OpenZeppelin)
✅ Infrastructure: Cloud hosting (AWS, GCP), monitoring (Datadog), CDN (Cloudflare)

Integration Priorities (Phase-Based)¶

Phase 1 (Q4 2025): Foundation - 🔥 P0: Fordefi custody integration (all-in-one solution) - 🔥 P0: Smart contract audit (первичная security baseline) - 🔥 P0: Pendle Finance integration (первый DeFi протокол для 3+ risk-free rates) - 🟡 P1: Infrastructure setup (VPS, database, monitoring)

Phase 2 (Q1-Q2 2026): Yield Diversification - 🔥 P0: Curve Finance integration (вторая основная платформа) - 🔥 P0: Convex Finance boost protocol (для Curve strategies) - 🟡 P1: StakeDAO integration (альтернативный boost protocol) - 🟢 P2: Enhanced monitoring и alerting systems

Phase 3 (Q3-Q4 2026): Scale & Optimization - 🟡 P1: Automated yield optimization across protocols - 🟡 P1: Insurance provider (Nexus Mutual, risk mitigation) - 🟢 P2: Analytics providers (Dune, Nansen - institutional insights)

🏦 Custody Provider Integration: Fordefi¶

Strategic Choice: All-in-One Custody Solution¶

🎯 Fordefi - Единое решение для custody:

Why Fordefi:

✅ Cost Efficiency: Всё в контуре Fordefi - не платим отдельно за custody
✅ Institutional-Grade Security: MPC (Multi-Party Computation) wallet technology
✅ DeFi-Native: Специализация на DeFi protocols (Pendle, Curve, Convex поддерживаются нативно)
✅ Developer-Friendly: Comprehensive API, SDK support, активная документация
✅ Regulatory Compliance: SOC 2, ISO 27001, enterprise-ready

Market Alternatives (Not Used):

Fireblocks ($100B+ AUM): Industry leader, но 0.15-0.5% AUM fees слишком дорого
Copper ($10B+ AUM): Institutional focus, но не оправдано для нашего scale
Decision: Fordefi обеспечивает необходимую функциональность без premium pricing

Selection Rationale:

✅ Security Track Record: Zero known breaches, insurance coverage
✅ API Quality: REST APIs, WebSockets для real-time updates, comprehensive SDKs
✅ Asset Support: USDC, Ethereum, multi-chain expansion ready
✅ Integration Effort: <2 months для complete integration (vs 3+ months у конкурентов)
✅ DeFi Integration: Нативная поддержка Pendle, Curve, Convex - критично для нас

Integration Architecture¶

High-Level Flow:

User Deposit Request (MetaMask)
         ↓
Saga Smart Contract (on-chain)
         ↓
Event Listener (backend)
         ↓
Fordefi API (MPC wallet управление)
         ↓
DeFi Protocol (Pendle/Curve allocation)
         ↓
Confirmation (on-chain transaction ID)
         ↓
User Notification (email + dashboard)

Key Integration Points:

MPC Wallet Creation (Fordefi)
Saga requests new MPC wallet через Fordefi API
Fordefi generates distributed key shares (MPC technology)
Saga stores mapping: user_id → fordefi_wallet_id
Deposit Flow
User transfers USDC → Saga smart contract
Backend detects deposit event
Triggers Fordefi API: allocate(protocol: 'pendle', amount: X, strategy: 'risk_free_rate')
Fordefi executes transaction, funds deployed к Pendle
Withdrawal Flow
User requests withdrawal через Saga dashboard
Backend validates balance, creates withdrawal request
Fordefi API: withdraw(from: protocol, to: user_wallet, amount: X)
MPC signing process (distributed approval)
On-chain transaction, user receives USDC
Balance Reconciliation
Daily automated reconciliation: Saga DB balance vs Fordefi wallets vs DeFi protocol balances
Alerts if discrepancies detected (>0.1% difference)
Manual review process для resolution

Fordefi Security Model¶

MPC Technology Benefits:

✅ No Single Point of Failure: Private keys never exist в complete form
✅ Distributed Signing: Multiple parties required для transaction approval
✅ Threshold Signatures: N-of-M approval scheme (e.g., 2-of-3 for withdrawals)
✅ Hardware Security: Key shares stored в HSMs (Hardware Security Modules)

Operational Security:

Real-Time Monitoring: Fordefi dashboard для tracking all transactions
Policy Engine: Automated rules (e.g., max transaction amount, whitelisted addresses)
Audit Trail: Complete history of all operations для compliance
Emergency Procedures: Instant transaction freezing если detected anomalies

Cost Structure:

✅ No Separate Custody Fees: Included in overall Fordefi service
✅ No Per-Transaction Fees: Flat monthly/annual pricing
✅ Scalable: Cost doesn't increase linearly с TVL growth
🎯 Estimated: ~$2-5K/month (vs $30-50K/month для Fireblocks at $10M TVL)

🌾 DeFi Vault Integrations¶

Target DeFi Protocols¶

🎯 Core Strategy: Risk-Free Rate через Treasury-Backed Yields

Protocol	TVL	Yield Type	Target APY	Security Audits	Target Phase
Pendle Finance	$3B+	Yield trading, fixed rates	3-8% (risk-free)	10+ audits	Phase 1 (Primary)
Curve Finance	$5B+	Stablecoin pools	2-5% (base yield)	15+ audits	Phase 2 (Core)
Convex Finance	$4B+	Curve boost protocol	+2-5% (boosted yield)	8+ audits	Phase 2 (Boost)
StakeDAO	$100M+	Alternative Curve boost	+1-3% (alternative boost)	5+ audits	Phase 2 (Alternative)

DeFi Specialist Rationale:

"Pendle и Curve - база DeFi. Curve стратегии строятся через boost протоколы Convex или StakeDAO. Этого более чем достаточно, чтобы сделать базовые стратегии для клиентов, которые будут генерировать 3 и более безрисковых ставок."

Selection Criteria (DeFi Specialist Approved):

✅ Treasury-Backed: Yields основаны на real-world assets, не на volatile crypto
✅ 3+ Risk-Free Rates: Combination Pendle + Curve + boost protocols
✅ Battle-Tested: Years of operation без major exploits
✅ Deep Liquidity: >$100M TVL per protocol, institutional-grade
✅ Fordefi Integration: Нативная поддержка всех 4 protocols в Fordefi

Integration Strategy¶

Phase 1 (Q4 2025): Pendle Finance Foundation

Target: Pendle PT-USDC (Principal Tokens) - Rationale: Risk-free rate через treasury-backed yields, DeFi specialist рекомендация - Expected Yield: 3-8% APY (базовая безрисковая ставка) - Integration Effort: 4-6 weeks (Fordefi нативная поддержка + smart contract integration)

Pendle Strategy:

User USDC → Fordefi Wallet
         ↓
Pendle Protocol (deposit)
         ↓
PT-USDC (Principal Tokens) - fixed rate до maturity
+
YT-USDC (Yield Tokens) - floating yield
         ↓
Combined: 3-8% risk-free APY

Technical Implementation:

// Saga Smart Contract → Pendle Integration через Fordefi
interface IPendleRouter {
    function mintPrincipalToken(address asset, uint256 amount, uint256 maturity)
        external returns (uint256 ptAmount, uint256 ytAmount);
    function redeemPrincipalToken(uint256 ptAmount)
        external returns (uint256 assetAmount);
}

contract SagaStakingProtocol {
    IPendleRouter public pendleRouter;

    function depositToPendle(uint256 usdcAmount) internal {
        // Fordefi handles signing
        (uint256 pt, uint256 yt) = pendleRouter.mintPrincipalToken(
            USDC, usdcAmount, nextMaturity
        );
        // Track PT/YT for user allocation
    }
}

Phase 2 (Q1-Q2 2026): Curve + Boost Protocols

Goal: Stack yields через Curve stablecoin pools + Convex/StakeDAO boost

Multi-Protocol Strategy (for 5-10% APY tier, $10M TVL):

50% Pendle PT-USDC (3-8% APY, risk-free base) → $5M
30% Curve 3pool + Convex boost (4-9% APY, boosted yield) → $3M
15% Curve 3pool + StakeDAO boost (3-7% APY, alternative boost) → $1.5M
5% Liquidity buffer (Curve base pool, instant withdrawals) → $500K

Blended Expected Yield: 5-8% (allows 5% declared APY + 0-3% management fee margin)

Curve + Convex Architecture:

USDC → Curve 3pool (USDC/USDT/DAI)
    ↓
LP tokens → Convex Finance (stake для boost)
    ↓
Boosted yield (2-5% extra) + CRV + CVX rewards
    ↓
Total: 4-9% APY (base + boost + rewards)

Yield Optimization Automation¶

Daily Rebalancing Strategy (Pendle/Curve Focus):

Monitor Protocol Performance: Query APY data от Pendle, Curve, Convex (via Subgraph)
Calculate Optimal Allocation: Maximize blended yield while achieving 3+ risk-free rates target
Execute Rebalancing (if deviation >5% from optimal):
Withdraw from underperforming protocols (Fordefi API)
Deposit to outperforming protocols
Gas cost consideration: only rebalance if NPV positive (L2s помогают)

Risk-Adjusted Protocol Scoring:

Protocol Score = (Current APY × 0.4) + (Risk-Free Rate × 0.3) + (TVL Security × 0.2) + (Fordefi Integration × 0.1)

Security Factor:
- >$100M TVL: 1.0
- $50-100M TVL: 0.9
- $10-50M TVL: 0.8
- <$10M TVL: 0.5 (avoid)

Emergency Withdrawal Procedures:

Trigger Conditions: Vault TVL drops >50% in 24h, major exploit announced, irregular price movements
Action: Immediate withdrawal to Saga smart contract, hold funds in USDC (0% yield) until resolved
User Communication: Email + dashboard notification, transparency about safety measures

Security & Audit Integrations¶

Smart Contract Audit Partners¶

Primary Auditor: Trail of Bits - Reputation: Industry-leading, audited Uniswap, Compound, MakerDAO - Services: Smart contract audits, security reviews, formal verification - Cost: $50-100K per comprehensive audit (2-3 weeks engagement) - Schedule: Quarterly audits (initial, then after major upgrades)

Secondary Auditor: OpenZeppelin - Reputation: Creators of OpenZeppelin Contracts library - Services: Audits, Defender monitoring, security tooling - Cost: $40-80K per audit - Schedule: Pre-mainnet audit, annual re-audits

Bug Bounty Platform: Immunefi - Coverage: $100K-500K rewards for critical vulnerabilities - Target Hackers: White-hat security researchers - Program Structure: - Critical (funds at risk): $100-500K - High (contract logic flaws): $10-50K - Medium (potential issues): $1-5K

Security Monitoring & Incident Response¶

Tools & Services:

Tool	Purpose	Provider	Cost
OpenZeppelin Defender	Smart contract monitoring, alerts	OpenZeppelin	$1K/month
Tenderly	Transaction simulation, debugging	Tenderly	$500/month
Forta Network	Real-time threat detection	Forta	$0 (decentralized)
Chainalysis	AML/KYC, transaction screening	Chainalysis	$5K/month (institutional)

Incident Response Plan:

Detection: Automated alerts from monitoring tools (unusual transactions, anomalies)
Triage: Security team evaluates severity (5-minute SLA for critical issues)
Containment: Emergency pause smart contracts if funds at risk
Investigation: Forensic analysis, identify exploit vector
Remediation: Deploy fix via UUPS upgrade, restore service
Communication: Transparent post-mortem, user compensation if applicable

Analytics & Data Integrations¶

Blockchain Data Providers¶

The Graph Protocol (Subgraphs) - Purpose: Index on-chain data, query historical transactions, balances - Use Cases: User balance history, transaction analytics, yield calculations - Cost: Self-hosted ($200/month infra) or Hosted Service ($500/month) - Integration: GraphQL API, real-time subscriptions

Dune Analytics - Purpose: SQL-based blockchain analytics, custom dashboards - Use Cases: Platform metrics, TVL tracking, user behavior analysis - Cost: Pro plan $390/month (API access, custom queries) - Integration: API для automated data retrieval, embed dashboards

Nansen (Phase 3: Institutional) - Purpose: On-chain intelligence, whale tracking, institutional insights - Use Cases: Identify high-value users, track competitor movements - Cost: $150/month (Lite) to $2K/month (Alpha) - Integration: API для data enrichment, alerts для whale activity

Business Intelligence Stack¶

Data Warehouse: Google BigQuery - Purpose: Centralized analytics database - Data Sources: Subgraphs, backend DB (PostgreSQL), custody provider APIs - Cost: ~$500/month (depends on query volume)

Visualization: Metabase - Purpose: Self-service BI dashboards для team - Dashboards: TVL growth, user cohorts, revenue metrics, vault performance - Cost: Free (self-hosted) or $85/month (cloud)

Alerting: Datadog - Purpose: Real-time metrics, anomaly detection, SLA monitoring - Alerts: TVL drops, API failures, unusual withdrawals, gas price spikes - Cost: $15/host/month

🤝 Partnership & Integration Roadmap¶

Q4 2025 (Phase 1): Foundation Integrations¶

Completed:

✅ Infrastructure setup (VPS, database, monitoring)
✅ Smart contract deployment (UUPS upgradeable)

In Progress:

🔄 Fordefi custody integration (Weeks 1-6)
Week 1-2: Account setup, MPC wallet configuration, API credentials
Week 3-4: Pendle protocol integration через Fordefi
Week 5-6: Production testing, security review, go-live
🔄 Trail of Bits smart contract audit (Weeks 4-7)
Week 4: Audit kickoff, codebase submission
Week 5-6: Audit execution, preliminary findings
Week 7: Remediation, final report
🔄 Pendle Finance integration (Weeks 2-6)
Week 2-3: Protocol research, PT/YT mechanics
Week 4-5: Smart contract integration, Fordefi testing
Week 6: Production deployment, 3+ risk-free rates live

Blockers:

Fordefi onboarding: Setup and configuration (1-2 weeks)
Audit scheduling: Availability (booked 2-3 months in advance)

Q1-Q2 2026 (Phase 2): Yield Diversification¶

Planned:

Curve Finance integration (base stablecoin pools)
Convex Finance boost protocol (primary boost strategy)
StakeDAO integration (alternative boost protocol)
OpenZeppelin Defender setup (monitoring)
Dune Analytics dashboards (metrics tracking)

Success Criteria:

Pendle + Curve + Convex stack operational (3+ risk-free rates achieved)
Blended yield 5-8% consistently
Zero security incidents
<$100 gas cost per user operation (via L2 optimization)

Q3-Q4 2026 (Phase 3): Scale & Optimization¶

Planned:

Automated yield optimization (cross-protocol rebalancing)
Multi-chain expansion (Arbitrum, Optimism deployment)
Nansen analytics (whale tracking, competitive intelligence)
Immunefi bug bounty program launch ($100K+ rewards)
Insurance provider integration (Nexus Mutual, protocol coverage)

Success Criteria:

4 protocols operational (Pendle, Curve, Convex, StakeDAO)
Automated rebalancing working (daily optimizations)
Multi-chain deployment (Ethereum + 2 L2s)
Comprehensive monitoring и alerting (99.9% uptime)

💼 Integration Governance & Operations¶

Integration Review Process¶

Pre-Integration Checklist:

Business Case: ROI analysis, cost-benefit, strategic fit
Technical Feasibility: API documentation review, POC completed
Security Assessment: Provider security audit review, compliance check
Legal Review: Contract terms, liability limits, data privacy
Operational Readiness: Runbooks created, team trained, monitoring setup

Post-Integration Monitoring:

Weekly: API uptime, error rates, transaction success rates
Monthly: Cost analysis, performance metrics, user feedback
Quarterly: Contract review, SLA compliance, strategic fit reassessment

Vendor Management¶

Key Vendor Metrics:

Uptime: Target 99.9% (Fordefi custody), 99.5% (DeFi protocols - on-chain dependency)
Response Time: <100ms API latency (p95), <1 second (p99)
Support Quality: <4 hour response time for critical issues, <24 hours for non-critical
Cost Efficiency: Flat monthly pricing (не зависит от TVL)

Vendor Risk Mitigation:

Annual vendor health checks (Fordefi financial stability, protocol security audits)
Contract terms: 90-day termination clause, backup custody solution готов
Protocol diversification: 4 DeFi protocols (Pendle, Curve, Convex, StakeDAO) - never >50% в one protocol
Contingency plans: Emergency withdrawal procedures, instant protocol switching через Fordefi

Business Strategy:

Whitepaper - Banking window philosophy и integration rationale
Economic Model - Cost structure, vendor fees, unit economics
Roadmap - Integration timeline и milestones

Technical Documentation:

Custody Provider Integration Guide - API specs, code examples
Integration-Only Architecture - Enterprise API integration approach
Critical Paths - Integration monitoring and flow documentation

✍️ Document Information¶

Author: Saga Partnerships Team Contributors: CTO, Head of Security, Business Development, DeFi Specialist Reviewed By: CEO, Board of Advisors, DeFi Specialist

Questions or Feedback? Contact: partnerships@saga.surf или create issue с тегом business-documentation

📋 Метаданные¶

Версия: 2.4.82

Обновлено: 2025-10-21

Статус: Published