Groves — curated baskets

Curated baskets of real tokenized stocks, bought straight into your own wallet. $0 to enter and hold; the only fee is 10% of profit when you exit.

A Grove is a curated basket of real tokenized stocks that Vera buys straight into your own wallet — a strategy you own, not a fund you buy. Every composition, weight, exclusion, and rule is published in full, and the basket settles as ordinary tokens in your wallet: nothing wrapped, nothing pooled, nothing custodial.

The shelf

Grove	Ticker	What it holds
Titan Grove · live	$TITAN	The mega-cap seven plus a Nasdaq-100 anchor
Tayyib Grove	$TAYYIB	12 shariah-screened large caps (AAOIFI methodology, exclusions published)
Silicon Grove	$SILIC	11 names across the AI chip supply chain
Rails Grove	$RAILS	6 crypto-infrastructure equities

The full composition of each — every weight, every reason a name is in, every name kept out and why — is on monvera.best/groves, with raw JSON free at /api/groves.

Fees: one, at exit, on profit only

Entering a Grove is free. Holding is free. Rebalancing is free. The only fee is 10% of realized profit when you exit, measured against your own cost basis — leave with less than you put in and the fee is zero. There is no management fee quietly eating the position in the background.

How buying works

You

Buy $50 of the Titan Grove

Vera

Here’s the plan — the Titan Grove’s names at their published weights, $50 total. Nothing moves until you confirm.

Every buy holds the whole basket. Each Grove’s minimum is set at the amount where even its smallest published weight is still worth buying, so a deposit at the minimum and a deposit fifty times larger own the same names at the same weights. Titan Grove starts at $20; a Grove with more names and smaller weights starts higher, and the shelf shows each one. The whole buy settles as one gasless transaction: you get the entire basket or nothing, and each stock is yours afterwards.

This is what lets one management decision serve everyone at once: because every holder’s basket is the same shape, Vera can act on the Grove as a whole and each position moves in proportion to its own size.

Where the basket lives — your two accounts

You have two on-chain accounts, and both are shown side by side in the Wallet with their addresses:

Your cash wallet signs everything and holds your cash, ordinary trades, and staked $MONVERA.
Your Grove account is a gasless executor owned by your cash wallet — Grove baskets settle there, and exit proceeds land there. Only you can move it; Monvera has no key.

Cash sitting in the Grove account is never stranded: it funds your next Grove buy automatically (the app spends it before touching your cash wallet), and a one-tap Move to cash turns it back into spendable USDG whenever you like. The Portfolio’s account tabs show exactly which account holds what.

How exiting works

Press Exit on the Grove and choose how much — a quarter, half, three quarters, or everything. The exit sells at live quotes in one gasless transaction, whole or not at all, and the fee applies only to profit above the share of cost basis you withdraw. Selling everything closes the position: every holding is sold to zero.

Because the basket is ordinary tokens in your own account, you can also sell individual names outside the Grove at any time. If you do, a full exit through the Grove may no longer be coverable — the app then offers Clear position: it zeroes the Grove’s accounting with no swap and no fee, and whatever you still hold stays yours to sell like any other stock.

Auto-manage

A Grove is an actively managed basket. When you buy, the management permission rides inside the buy’s own signature, so your position is managed from the first block until you exit or switch it off. Untick “Managed by Vera” on the buy screen to buy unmanaged, or flip it on or off any time from the Grove’s page. One decision is made per Grove per window, so everyone in a Grove is managed together, each in proportion to their own holdings.

What Vera actually decides

Every six hours, around the clock, Vera sets that window’s target weights for the basket. She is not waiting for it to drift: she reads each holding’s recent momentum, its volatility, how it moved today, and any significant company news, and decides how much of each name the basket should hold right now. If the position no longer matches those targets by about a point or more, it is realigned that window.

The band is the promise. She may scale any published weight between 0.7x and 1.3x — Titan’s 14% NVDA can run from roughly 10% to 18% — and nothing else. She cannot add a name, cannot drop one, cannot exceed the band, and cannot move the basket into cash. Those limits are not guidance she is asked to follow; they are applied in code to her answer before any trade is planned, so a wrong or manipulated judgment can only ever rearrange the same names inside the same band. If her judgment is unavailable for any reason, the published weights stand and the basket is simply kept at them.

She also decides when. A realignment the weights justify is still skipped when the names involved are moving hard, because trading into that usually churns the position straight back. Those windows are recorded with her reason rather than hidden.

What limits the trading

Three things, and none of them is a setting you have to manage:

The contract. Every leg’s price is checked against Chainlink on-chain, only whitelisted venues can be called, the shares never leave your own wallet, and a trade against a stale price feed is refused outright. Equity feeds gap over a weekend, so weekend windows often record the decision and wait — that throttle comes from the oracle’s actual state, never from a market-hours clock.
A turnover budget. Active management that traded every window would cost more in spread than it adds. Each holder’s basket may turn over about a quarter of itself per month; past that, management falls back to keeping the published weights until the budget refreshes.
Execution, not size. Every managed basket is rebalanced on the same decision, whatever it is worth: a $30 position and a $30,000 one get the same targets and both are realigned. Monvera pays the gas for every rebalance, so a small basket is never charged more for being small — what you pay is the venue’s spread on what actually moves, which is the same fraction at any size. The one thing that is refused is a slice too small to trade cleanly (under about a dollar), because a swap that thin can miss the contract’s own price check and fail.

Stopping is instant, with no cooldown, even while the contract is paused.

Every rebalance — and every change to a Grove’s recipe — is its own public transaction. The Rebalances panel on the Grove’s page lists every window Vera checked your basket in, what she decided, and why, whether or not it traded. A window that correctly changed nothing appears there too, because “we looked and left it alone” is a decision worth showing.

Honest numbers

The shelf’s investor counts and managed totals read straight from the Grove contract — they start at zero and are never faked. Each Grove shows a one-year backtest against the S&P 500 for the same window; backtests are history, not promises.

One thing the backtest is not: it models the Grove’s published weights held through the year. It does not model Vera’s active management, because that has no history yet — she began setting weights herself in August 2026. Her decisions will move the basket away from those weights within the band, so the backtest describes the strategy she manages around, not the returns she has produced. When there is a real track record of active management, it will be published as its own number rather than folded into this one.