Ern delivers a holistic platform catering to the crypto-curious by combining the security, reliability, and support of traditional finance with access to DeFi protocols and crypto trading opportunities. When using Ern, users will enjoy the best of both worlds, high yields on their stablecoins, competitive rates for Quant trading strategies, and an academy platform that teaches them all the basics of crypto and blockchain. Ern fulfills all crypto needs, from wanting to earn passive income, to access to well-curated launches, lending of stablecoins, and various trading instruments. The native platform token will give users access to discounts and make them eligible to receive a dividend of the company's quarterly returns in fiat. This makes Ern the first crypto platform to reward its users for their loyalty in fiat currency. Ern will operate under the highest regulatory requirements and strict supervision from regulators worldwide to ensure peace of mind for investors when making their first steps into the new world of cryptocurrencies and DeFi.