Two leaderboards — part 3: 'for whom?' — investor profiles and the Fit score

The native leaderboard has no concept of who you are. It sorts one way for everyone — a retiree and a degenerate gambler see the same ranking. But the core truth of this whole blog is that there's no universal "best vault," only the right fit for your goals and risk. Our board is built around that question.

One list vs. three lenses

The native board offers one sort at a time. Ours has a "View as" switch: Income, Balanced, Aggressive. Each profile is two things working together:

• An honest gate — a hard filter that throws out vaults that don't belong. Income demands a drawdown under ~25%, a positive return, at least ~120 days of history, and modest leverage. Balanced wants real history and a positive Calmar. Aggressive is looser on drawdown but still wants a minimum track record. Fail the gate and you're out of that profile, no matter how big the headline number.
• A Fit score, 0–100 — for the vaults that pass, a weighted blend of the metrics that profile actually values. Income weights low drawdown and consistency; Balanced weights risk-adjusted return; Aggressive weights raw return and tolerates the drawdown that comes with it.

What that does to the ranking

Everything. A vault topping the raw board on a 300% APR can fail the Income gate entirely — too much drawdown, too young — and simply vanish from that view. Meanwhile a steady earner that's invisible on the raw board, buried under flashier names, rises to the top for Income. Same field, re-sorted for the person actually looking. The income illusion review is this idea applied by hand; the board does it for the whole field, every day.

One honest caveat about Fit

Fit is relative to the day's field, not an eternal grade. A vault that "ranks high for Income today" is being measured against today's competitors; tomorrow's field can move it. So read it as a position — "near the top for Balanced right now" — not as a fixed 90/100 stamped for all time. Honest curation means saying what a number is, and isn't.

The contrast

The native board makes you hold all of this in your head — gate the field by your own risk tolerance, weight the metrics you care about, re-sort. Ours makes it explicit and recomputable. The venue answers "which vaults exist?"; the profile view answers the only question that matters to you: "which of them are right for me?"

← Part 2: the honesty flags  |  Part 4: benchmarks & the graveyard →

Nothing here is financial advice.