Ethos Defi • September 1, 2025

Ethos is now Ethos Defi


Dear Ethos Community Member,


We are pleased to share important and exciting news about the future of Ethos.


Acquisition of Ethos business


We have reached an agreement with Avrio Worldwide (Avrio) to acquire the existing Ethos business to merge with its crypto platforms, and benefit from their vast global industry and regulatory network, to create a new company called Ethos Defi.


This partnership ensures the Ethos vision will not only continue but will accelerate with Ethos’ proven market leading DeFi technology, which will be owned by the shareholders of Avrio and Zircon Global Technologies - the company that owns the Ethos IP. Investors who participated in Zircon’s SAFE rounds including Republic will receive new shares in Ethos DeFi.


Avrio is a global financial services technology company and the owner of a U.S. registered broker dealer and Alternative Trading System (ATS), including a Quotation Bureau, a Qualified Matching Engine, a Transfer Agent, an RWA-Tokenization platform, and a public market Order, Exchange, Portfolio, and Customer Management System.


The partnership is well timed as new US crypto laws are passed, digital asset firm IPOs are significantly outperforming opening offering prices, real-world asset tokenization is taking off, and the SEC Chair’s comments are favorable to DeFi operators: “the right to have self-custody of one's private property is a core American value.”




Ethos Indexes: Entirely New Product Segment


The new Ethos DeFi combined team is already pioneering an innovative new product - Ethos Indexes. Ethos Indexes are easy-to-use, thematic and balanced crypto asset portfolios that will simplify diversified investing in digital assets for consumers and institutions alike.  This is a long-held product we've wanted to build ever since the early days of Ethos 1.0.


Our combined vision is to make crypto saving and investing as easy as conventional retail savings and ETFs, giving customers secure self-custodial access to crypto, and in the near future, tokenized real-world assets.

Beyond the investment utility in providing customers with easy to access diversified digital assets, the indexes are planned to be a major marketing driver and brand differentiator for Ethos DeFi, launching in the next release of the app.




$ETHOS Token Future



Together, Ethos and Avrio will revitalize the $ETHOS token as the rewards and incentive token powering the Ethos DeFi ecosystem. The token will fuel loyalty programs, governance, liquidity incentives, and “learn-and-earn” campaigns to attract and retain customers through positive incentives.



AI-Driven Growth & Product Innovation


Ethos DeFi will integrate AI to support the acquisition and engagement of customers with a focus on the next generation of DeFi users. AI will power referral and rewards programs, inform the automation of index creation, and deliver personalized market insights through our forthcoming “Big Board” dashboard which will eventually be productized as Ethos Signal.

We are planning to integrate AI into the Ethos DeFi app, helping users better navigate the complex world of crypto.
 

Proven Technology, Ready to Scale


Our Ethos Quantum v5 mobile engine is already in production, providing secure self-custody, gasless trading, and a unified DeFi experience. Planned v6 features include curated yield indexes, crypto-backed lending, AI-powered market intelligence, and automated portfolio rebalancing.


Real World Assets (RWAs) – A Trillion-Dollar Shift


The tokenization of real-world assets — from real estate and private equity to income-generating securities — is one of the most significant opportunities in modern finance that is enabled by DeFi and digital finance. By moving traditionally illiquid assets on-chain, the digital assets industry is poised to unlock new levels of liquidity, transparency, and accessibility for global investors.


Ethos DeFi will be competitively positioned to offer secure and scalable real-world asset investment products in the near future. This positions us at the forefront of a market projected to surpass $10 trillion by 2030, opening the door for innovative yield-bearing assets and cross-market trading opportunities.


Why This Matters for Ethos Community members



This is not an exit — it is the next phase of an expansion of our vision with greater resources, reach, product capabilities, and an aligned partner. SAFE note investors will directly own a stake in Ethos DeFi, a company built to lead in the rapidly growing digital finance and tokenized asset markets.

We believe this partnership positions Zircon to unlock substantial long-term value for all stakeholders, through equity ownership in Ethos DeFi, and the upside potential of the $ETHOS token as it becomes a core element of our customer growth strategy.


More to Come


We look forward to sharing more details with you in the coming weeks as we finalize the transaction and roll out the Ethos DeFi brand.

Thank you for your continued trust and support as we enter this exciting new phase.


Sincerely,

The Ethos Founders


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