Empowering Sri Lankan Banks Institutions and Investment Companies: The Eden Advantage

Eden Investments
May 16
4 min read

Introduction

Sri Lanka’s financial sector, anchored by institutions like Bank of Ceylon, Commercial Bank, and Hatton National Bank, is navigating a complex landscape marked by economic volatility. Customers face diminishing returns from traditional fixed deposits, compounded by LKR depreciation and inflation, which erode wealth and limit global investment opportunities.
Eden Investments, a pioneering financial startup bridging traditional finance and decentralized finance (DeFi), offers a transformative solution. With our pilot program launching in July 2025, banks and investment companies can partner with Eden to deliver superior returns, enhance customer loyalty, and position themselves as innovative leaders in Sri Lanka’s evolving market.

The Challenges Facing Sri Lankan Investors

Sri Lanka’s economic environment presents significant hurdles for investors, creating an urgent need for alternative investment options:

Severe Currency Depreciation:
- The LKR has experienced dramatic depreciation, peaking at 81.16% in 2022, with a 1.92% drop already in 2025 (Jan-Apr). For example, Rs. 1,000,000 fell from $3,413 to $3,348 in USD value, eroding savings for those with international needs
Inflation Outpacing Returns:
- Inflation has been volatile, reaching 70% in 2022 (CCPI, Y-o-Y) and averaging 10-15% in recent years, far exceeding the 7% APY on LKR 3-month fixed deposits. Even with recent deflation (-4% CCPI, Jan 2025), this volatility leads to negative real returns
Low Fixed Deposit Yields:
- LKR 3-month fixed deposits offer 7% APY, while USD fixed deposits yield only 3.5% APY, growing Rs. 1,000,000 (~$3,333) to just $3,387 in 3 months—insufficient for meaningful wealth growth
Lack of Flexibility and Global Access:
- Traditional investments often require long lock-ins, limiting liquidity in volatile markets. They also offer minimal global exposure, leaving investors vulnerable to Sri Lanka’s economic fluctuations.

These challenges highlight the need for innovative solutions that provide higher yields, currency stability, and flexibility—precisely what Eden Investments delivers.

Eden Investments: A Game-Changing Solution

Eden Investments is revolutionizing fixed-income investing by offering a platform that converts LKR into USDT, invests in high-yield DeFi protocols, and delivers a net 9% APY in USD after a 3% service fee. The fee covers secure conversions, insured yields, dedicated support, and the development of a future non-custodial platform where users control their funds. Unlike local fixed deposits, Eden’s solution protects against LKR depreciation (e.g., 81.16% in 2022) and inflation volatility, offering real returns and global spending power. The pilot, launching in July 2025, will onboard 100 users with Rs. 1,000,000 each, testing this model with a custodial approach before transitioning to non-custodial operations.

Why Partner with Eden?

Partnering with Eden Investments enables Sri Lankan banks and investment companies to enhance their offerings, attract new customers, and strengthen their market position. Here are the key advantages:

Superior Returns for Customers
- Eden’s 9% net APY in USD significantly outperforms local 7% LKR and 3.5% USD 3-month fixed deposits. For example, Rs. 1,000,000 at 7% LKR grows to Rs. 1,017,500 in 3 months, but after 5% depreciation (Rs. 315/USD), it’s worth ~$3,230—less than the starting $3,333. Eden’s 9% APY grows it to $3,633 in 6 months, delivering real growth. This high-yield option can attract and retain clients seeking better returns.
Diversified Investment Portfolio
- By integrating Eden’s DeFi-based fixed-income product, banks can diversify their offerings beyond traditional fixed deposits, equities, and unit trusts. This appeals to crypto-curious clients and those seeking global investment opportunities, expanding your customer base.
Attracting New Customer Segments
- Eden targets remittance recipients ($7B annual inflows), HNWIs, and small businesses, who value currency stability and high yields. Partnering with Eden allows banks to tap into these segments, drawing clients who might otherwise bypass traditional institutions.
Enhancing Customer Loyalty
- Offering innovative, high-yield options strengthens relationships with existing customers, positioning your institution as a leader in financial innovation. Eden’s ensures accessibility for non-crypto-savvy clients, fostering trust and loyalty.
Mitigating Currency and Inflation Risks
- Eden’s USD-based returns protect against LKR depreciation and inflation volatility (e.g., 70% peak in 2022). By offering this solution, banks can help customers safeguard their wealth, addressing a critical pain point in Sri Lanka’s economy.
Compliance and Security
- Eden is committed to regulatory compliance, planning to secure a Virtual Asset Service Provider (VASP) license post-pilot. Our use of insured DeFi platforms ensures customer funds are secure, aligning with the Central Bank of Sri Lanka’s oversight of financial institutions.
Educational Resources
- Eden provides comprehensive educational content—articles, videos, and webinars—explaining DeFi and stablecoin investments. Banks can leverage these resources to educate customers, positioning themselves as trusted advisors in the evolving financial landscape.

Conclusion

Sri Lankan banks and investment companies face a pivotal moment to innovate and meet customer demands for higher yields and currency stability. Partnering with Eden Investments allows you to offer a cutting-edge DeFi solution that delivers 9% net APY in USD, protects against LKR depreciation, and enhances customer trust. With our pilot program launching in July 2025, now is the ideal time to join us in redefining financial services in Sri Lanka.

Call to Action

Ready to empower your customers with stable, high-yield investments? Contact us at info@edeninvestments.xyz to explore partnership opportunities and lead the future of finance.