Solana DeFi
This skill is the Solana-specific DeFi guide — covering the protocols, patterns, risks, and strategies unique to the Solana ecosystem. Solana’s high throughput (~400ms block times) and low transaction costs create a fundamentally different DeFi experience compared to Ethereum: faster execution, cheaper interactions, but also unique risks like failed transactions during congestion, priority fee wars, and a more volatile token launch ecosystem. This skill covers Jupiter, Drift, Kamino, Marinade, Raydium, Orca, and the broader Solana DeFi landscape.
When to Use This Skill
- When executing swaps, limit orders, or DCA on Solana via Jupiter
- When trading perpetual futures on Drift Protocol
- When providing liquidity on Raydium, Orca, or Kamino
- When staking SOL via Marinade or other liquid staking protocols
- When evaluating a Solana token launch or new protocol
- When dealing with Solana-specific transaction issues (priority fees, failed txs)
- When building a Solana DeFi yield portfolio
- When assessing pump.fun or other token launch platforms
What This Skill Does
- Jupiter Aggregator: Swap routing, limit orders, DCA strategies, perpetual trading
- Drift Protocol: Perpetual futures trading, lending/borrowing, insurance fund mechanics
- Kamino Finance: Automated concentrated liquidity management, lending, multiply strategies
- Marinade Finance: Liquid staking (mSOL), native staking delegation, stake pool mechanics
- Raydium / Orca: AMM liquidity provision, concentrated liquidity (CLMM) on Solana
- Transaction Optimization: Priority fees, compute units, jito tips, transaction landing
- Risk Assessment: Solana-specific risks (network congestion, failed txs, MEV)
- Token Launch Evaluation: pump.fun awareness, bonding curves, graduation mechanics
How to Use
Swaps and Trading
Swap 10 SOL to USDC using Jupiter — get me the best route
Set up a Jupiter DCA to buy $100 of SOL every day for 30 days
Place a Jupiter limit order to buy SOL at $150
Perpetual Futures
Open a 3x long SOL on Drift with $5,000 collateral
What's the funding rate on Drift SOL-PERP right now?
Yield Strategies
What's the best yield strategy for SOL right now? Compare staking vs LP
Set up a Kamino vault position for SOL/USDC concentrated liquidity
Staking
Stake 100 SOL on Marinade for mSOL — what's the current yield?
Token Launch Assessment
A new token just graduated from pump.fun — should I ape in?
Data Sources
With MCP/CLI tools connected:
- Jupiter Talk MCP — Jupiter swap routing, price quotes, limit orders, DCA, perp data
- Monorail MCP — Cross-chain DeFi aggregation, Solana yield data, token analytics
- DexScreener — Solana DEX pair data, volume, liquidity, trending tokens
- CoinGecko MCP / CoinGecko Price MCP — Token prices, market cap, Solana ecosystem tokens
- DeFiLlama — Solana protocol TVL, yield rankings, chain comparison
Without tool access: Ask the user to provide:
- The specific protocol and action they want to perform
- Token addresses (if dealing with newer tokens)
- Current prices and amounts
- Their wallet balance and existing positions
- Risk tolerance and time horizon
Proceed with strategy guidance. Recommend verifying on-chain data before execution.
Methodology
Step 1: Jupiter Aggregator — The Solana Trading Hub
Jupiter is the primary DEX aggregator on Solana, routing swaps across all major DEXs for best execution.
Swap Routing
JUPITER SWAP MECHANICS:
Jupiter aggregates liquidity from: Raydium, Orca, Lifinity, Meteora,
Phoenix, OpenBook, and other Solana DEXs.
ROUTE OPTIMIZATION:
- Single-hop: Direct swap (SOL → USDC)
- Multi-hop: Through intermediary tokens (SOL → BONK → USDC if better rate)
- Split routes: Splitting order across multiple DEXs for best aggregate price
SLIPPAGE SETTINGS:
| Asset Type | Recommended Slippage | Notes |
|-------------------|---------------------|---------------------------|
| SOL, USDC, USDT | 0.1-0.3% | Deep liquidity |
| Top tokens (JTO, JUP, BONK) | 0.5-1.0% | Good liquidity |
| Mid-cap tokens | 1.0-3.0% | Moderate liquidity |
| New / meme tokens | 3.0-10.0% | Thin liquidity, MEV risk |
| Just-launched tokens| 10-15% | Extreme caution required |
PRICE IMPACT WARNING:
< 0.5%: Normal → proceed
0.5-2%: Moderate → check if splitting the trade helps
2-5%: High → reduce trade size or wait for more liquidity
> 5%: Extreme → DO NOT trade this size. Split into smaller orders.
Jupiter Limit Orders
LIMIT ORDER STRATEGY:
Jupiter limit orders execute when price reaches your target.
They use Jupiter's keeper network — NOT on-chain order books.
USE CASES:
- Buy dips: Set limit order 5-10% below current price
- Take profit: Set limit order at target price
- DCA into positions: Multiple limit orders at different price levels
EXECUTION CONSIDERATIONS:
- Orders may not fill if liquidity is insufficient at target price
- No guarantee of exact fill price (keeper batching)
- Partial fills are possible
- Expiration: Set expiration to avoid stale orders
EXAMPLE SETUP:
Current SOL price: $180
Limit buy: 10 SOL at $170 (5.6% below market)
Limit buy: 10 SOL at $160 (11.1% below market)
Limit buy: 10 SOL at $150 (16.7% below market)
Expiration: 7 days
Jupiter DCA (Dollar Cost Averaging)
JUPITER DCA MECHANICS:
Automates recurring purchases at specified intervals.
CONFIGURATION:
- Input token: USDC (or any SPL token)
- Output token: SOL (or any SPL token)
- Amount per order: e.g., $100
- Frequency: Every 1 min, 1 hour, 1 day, 1 week
- Duration: Number of orders or end date
STRATEGY RECOMMENDATIONS:
| Market Condition | DCA Frequency | Duration |
|---------------------|-------------- |-----------------|
| High conviction, volatile | Daily | 30-90 days |
| Moderate conviction | Weekly | 3-6 months |
| Accumulation phase | Daily | Until target size|
| Bear market buying | Weekly | Ongoing |
DCA vs LUMP SUM:
Historically, lump sum beats DCA ~67% of the time (markets trend up).
DCA is better when: high volatility, uncertain direction, or
psychologically unable to deploy lump sum.
COST: Jupiter charges a small platform fee (~0.1%) per DCA order.
Always compare to manual execution costs.
Jupiter Perpetual Trading
JUPITER PERPS:
Jupiter offers perpetual futures trading backed by the JLP pool.
KEY PARAMETERS:
- Max leverage: Up to 100x (DO NOT use max — see risk-management)
- Recommended max: 5x for SOL, 3x for other assets
- Collateral: USDC, SOL, or other supported tokens
- Fee: ~0.06% open/close (varies by asset)
- Borrowing rate: Hourly, based on utilization
AVAILABLE MARKETS:
SOL-PERP, BTC-PERP, ETH-PERP (and others as added)
COMPARISON: Jupiter Perps vs Drift Protocol
| Feature | Jupiter Perps | Drift Protocol |
|-------------------|-----------------|-----------------|
| Max leverage | Up to 100x | Up to 20x |
| Liquidity model | JLP pool | vAMM + DLOB |
| Lending/borrowing | No | Yes |
| Insurance fund | JLP pool | Dedicated fund |
| Fee structure | Flat fee | Maker/taker |
| Order types | Market, limit | Market, limit, trigger|
Step 2: Drift Protocol — Solana’s Premier Perps DEX
DRIFT PROTOCOL OVERVIEW:
Drift is a decentralized perpetual futures exchange on Solana with:
- Perpetual futures trading (up to 20x leverage)
- Spot trading
- Lending and borrowing
- Insurance fund staking
- Prediction markets
PERPETUAL FUTURES:
Market structure: Virtual AMM (vAMM) + Decentralized Limit Order Book (DLOB)
This gives better execution than pure AMM for larger orders.
FUNDING RATE MECHANICS:
- Paid every hour (not 8h like CEX)
- Calculated from: mark price vs oracle price
- Capped at ±0.125% per hour (extreme cases)
- Monitor via Drift UI or MCP tools
TRADING STRATEGY ON DRIFT:
1. Set collateral (USDC or SOL)
2. Select market (SOL-PERP, BTC-PERP, etc.)
3. Choose leverage (RECOMMENDED: 2-5x max, per risk-management)
4. Set stop-loss order immediately after entry
5. Monitor funding rate — if adverse, consider closing
DRIFT LENDING/BORROWING:
Supply assets to earn interest from borrowers
Variable rates based on utilization
Can use supplied assets as collateral for perp trading
CURRENT YIELD RANGES (verify live data):
USDC: 3-10% APY (supply), 5-15% APY (borrow)
SOL: 1-5% APY (supply), 3-10% APY (borrow)
INSURANCE FUND:
Stake tokens in the insurance fund to earn protocol fees
Risk: Insurance fund is used to cover protocol losses (socialized losses)
Reward: Share of trading fees + liquidation profits
Step 3: Kamino Finance — Automated Liquidity Management
KAMINO OVERVIEW:
Kamino automates concentrated liquidity management on Solana.
Products: Automated CLMM vaults, Lending, Multiply, Long/Short
AUTOMATED CLMM VAULTS:
Problem: Managing concentrated liquidity manually is complex (see defi-yield)
Solution: Kamino vaults automatically rebalance ranges and compound fees
HOW KAMINO VAULTS WORK:
1. Deposit token pair (e.g., SOL + USDC)
2. Kamino's strategy selects optimal range
3. Auto-rebalances when price exits range
4. Auto-compounds earned fees
5. Withdraw anytime
VAULT SELECTION CRITERIA:
| Factor | What to Check |
|-----------------|----------------------------------------|
| TVL | > $1M preferred for stability |
| Historical APY | Check 7d, 30d, 90d — consistent? |
| Rebalance freq | More rebalances = more IL, but also range|
| Fee tier | Match to pair volatility (see defi-yield)|
| Strategy type | Wide/narrow range, single-sided, etc. |
POPULAR KAMINO VAULTS:
SOL/USDC: High volume, ~10-25% APY (variable)
mSOL/SOL: Low IL (correlated), ~5-10% APY
JitoSOL/SOL: Low IL (correlated), ~4-8% APY
BONK/SOL: Higher risk/reward, ~20-50% APY (volatile)
KAMINO LENDING:
Supply assets → earn interest
Borrow against collateral
Rates determined by utilization curve
Can loop (supply → borrow → supply) for leveraged yield
KAMINO MULTIPLY:
One-click leveraged yield positions
Example: SOL multiply = borrow USDC against SOL, buy more SOL
Effective leverage: 1.5x-3x SOL exposure
WARNING: Liquidation risk if SOL price drops — per risk-management
Step 4: Marinade Finance — SOL Staking
MARINADE FINANCE OVERVIEW:
Marinade is the leading liquid staking protocol on Solana.
TWO STAKING MODES:
1. LIQUID STAKING (mSOL):
- Deposit SOL → receive mSOL
- mSOL appreciates vs SOL (yield accrues in token price)
- mSOL is liquid — use in DeFi while earning staking yield
- Current yield: ~6-8% APY (native staking yield minus fee)
- Unstake: Instant via DEX swap, or delayed (1-2 epochs) via Marinade
2. NATIVE STAKING:
- Marinade delegates to 400+ validators (decentralization)
- Higher yield than liquid staking (no protocol fee)
- NOT liquid — locked for current epoch (~2-3 days)
- Current yield: ~7-8% APY
mSOL STRATEGIES:
Strategy 1: HOLD mSOL (simplest)
Buy mSOL, hold. Earn staking yield passively.
APY: ~6-8%
Risk: Minimal (smart contract risk only)
Strategy 2: mSOL/SOL LP
Provide liquidity in mSOL/SOL pool (Orca, Raydium, Kamino)
APY: ~8-15% (staking + trading fees)
Risk: Minimal IL (prices are highly correlated)
Strategy 3: mSOL AS COLLATERAL
Supply mSOL to Kamino/Drift/Marginfi as collateral
Borrow USDC or SOL against it
Use borrowed funds for additional yield
APY: 10-20% (leveraged, higher risk)
Risk: Liquidation if SOL/mSOL drops significantly
Strategy 4: mSOL DEFI COMPOSABILITY
mSOL → Supply to Kamino lending → Borrow SOL → Stake for mSOL → Loop
Effective APY: 12-25% (depending on loop count)
Risk: Increasing liquidation risk with each loop
VALIDATOR SELECTION (for native staking):
Prefer validators with:
- Commission < 10% (lower = more yield for you)
- 99%+ uptime
- Not in the superminority (top 33% by stake)
- Active in governance
Marinade handles this automatically via its stake pool algorithm
Step 5: Raydium / Orca — AMM Liquidity on Solana
RAYDIUM:
Solana's hybrid AMM + order book DEX
POOL TYPES:
Standard AMM (V4): Constant product (x*y=k), similar to Uniswap V2
Concentrated Liquidity (CLMM): Similar to Uniswap V3
AcceleRaytor: Launchpad for new tokens
WHEN TO USE RAYDIUM:
- New token launches often list on Raydium first
- Higher-risk, higher-APY pools
- When Jupiter routes through Raydium anyway
ORCA:
User-friendly AMM focused on concentrated liquidity (Whirlpools)
WHIRLPOOLS (Concentrated Liquidity):
- Orca's concentrated liquidity implementation
- Similar mechanics to Uniswap V3 (see defi-yield for IL/range details)
- Multiple fee tiers: 0.01%, 0.02%, 0.04%, 0.3%, 1%, 2%
- Orca provides range recommendations based on historical volatility
WHEN TO USE ORCA:
- Concentrated liquidity positions (Whirlpools)
- Stable pairs (USDC/USDT)
- When you want a cleaner UI and analytics
LIQUIDITY PROVISION COMPARISON ON SOLANA:
| Platform | Type | Best For | Auto-Manage? |
|-----------|---------------|------------------------------|-------------|
| Kamino | Automated CLMM| Hands-off concentrated LP | YES |
| Orca | Manual CLMM | Active LP managers | NO |
| Raydium | AMM + CLMM | New token pools, high APY | NO |
| Meteora | DLMM | Dynamic fee pools | Partial |
Step 6: Solana Transaction Patterns
SOLANA TRANSACTION STRUCTURE:
- Transactions contain instructions (like function calls)
- Multiple instructions can be atomic (all succeed or all fail)
- Compute units (CU): Each tx has a CU budget (max 1.4M CU per tx)
- Base fee: 0.000005 SOL per signature (~$0.001)
PRIORITY FEES:
When the network is congested, transactions need priority fees to land.
PRIORITY FEE TIERS:
| Network State | Recommended Priority Fee | Notes |
|------------------|-----------------------|---------------------|
| Normal | 0.00001 SOL | Transactions land quickly |
| Moderate congestion| 0.0001-0.001 SOL | May need a few retries |
| High congestion | 0.001-0.01 SOL | During mints, launches |
| Extreme congestion| 0.01-0.1 SOL | Major events only |
DYNAMIC PRIORITY FEES:
Use getRecentPrioritizationFees RPC call to check current levels
Set priority fee to 75th percentile of recent fees for reliable landing
COMPUTE UNIT OPTIMIZATION:
Default CU limit: 200,000 per instruction
Set exact CU needed: Reduces tx size, improves landing chance
Typical CU usage:
Simple transfer: 150-450 CU
Token swap (Jupiter): 100,000-300,000 CU
Complex DeFi tx: 300,000-800,000 CU
Multiple instructions: Sum of each + overhead
JITO TIPS (MEV Protection):
Jito bundles allow you to tip block builders for transaction inclusion.
This provides:
- Faster inclusion
- MEV protection (your tx bundled atomically)
- Priority over regular transactions
JITO TIP RECOMMENDATION:
Most transactions: 0.0001-0.001 SOL tip
Time-sensitive (arb, liquidation): 0.001-0.01 SOL tip
During congestion: scale with network demand
FAILED TRANSACTIONS:
Solana transactions can fail for several reasons:
1. Insufficient CU budget → Increase compute unit limit
2. Stale blockhash → Retry with fresh blockhash
3. Insufficient priority fee → Increase priority fee
4. Slippage exceeded → Increase slippage tolerance
5. Account contention → Retry (multiple users hitting same account)
RETRY STRATEGY:
Attempt 1: Default settings
Attempt 2: 2x priority fee, refresh blockhash
Attempt 3: 5x priority fee, wider slippage
After 3 failures: Wait 30 seconds, then retry
After 5 failures: Abort and investigate
Step 7: Solana-Specific Risks
RISK MATRIX FOR SOLANA DEFI:
NETWORK RISKS:
| Risk | Likelihood | Impact | Mitigation |
|------------------------|-----------|---------|-------------------------------|
| Network congestion | Medium | Medium | Use priority fees, Jito tips |
| Failed transactions | Medium | Low | Retry with higher fees |
| Network outage | Low | High | Keep funds in self-custody |
| Priority fee spikes | Medium | Medium | Set max fee budget per tx |
| Compute budget exceeded | Medium | Low | Simulate tx before submitting |
DEFI-SPECIFIC RISKS:
| Risk | Likelihood | Impact | Mitigation |
|------------------------|-----------|---------|-------------------------------|
| Smart contract exploit | Low-Med | High | Use audited protocols only |
| Oracle manipulation | Low | High | Use protocols with Pyth/Switchboard|
| Impermanent loss | Medium | Medium | See defi-yield methodology |
| Liquidation (leveraged) | Medium | High | Conservative leverage only |
| Token rug pull | Med-High | High | Avoid unverified tokens |
| MEV/sandwich attacks | Medium | Medium | Use Jito bundles, limit orders|
SOLANA-SPECIFIC GUARDRAILS:
1. Max per-protocol allocation: 20% of Solana portfolio
2. Max total Solana allocation: Per portfolio-management guidelines
3. Always keep 0.1+ SOL for transaction fees in wallet
4. Set max priority fee budget: 0.01 SOL per tx (override only if critical)
5. Never use more than 5x leverage on Solana perps
6. Avoid interacting with tokens < 24 hours old (rug pull risk)
7. Verify token addresses on Jupiter's strict list before trading
Step 8: Token Launch Ecosystem
PUMP.FUN AND TOKEN LAUNCHES:
pump.fun MECHANICS:
- Token creation platform on Solana
- Bonding curve: Price increases as more tokens are bought
- Graduation: When bonding curve fills (~$69K market cap),
liquidity migrates to Raydium
- After graduation: Token trades freely on DEXs
BONDING CURVE STAGES:
| Stage | Market Cap | Risk Level | Action |
|-----------------|------------- |-------------|---------------------|
| Early (<10%) | < $6,900 | EXTREME | Gambling, not trading|
| Mid (10-50%) | $6,900-$34,500| VERY HIGH | High risk speculation|
| Late (50-90%) | $34,500-$62,100| HIGH | Graduation likely |
| Graduated | > $69,000 | HIGH | On Raydium, more liquid|
| Post-graduation | Varies | MEDIUM-HIGH | Standard DEX dynamics|
TOKEN EVALUATION CHECKLIST (post-graduation):
- [ ] Contract is renounced (no mint authority)
- [ ] Liquidity is locked or burned
- [ ] Top 10 wallets hold < 30% of supply
- [ ] Social presence exists (Twitter, Telegram)
- [ ] Volume is organic (not wash trading)
- [ ] Listed on Jupiter strict list or verified on Birdeye/DexScreener
- [ ] Token has been live > 24 hours
RED FLAGS — DO NOT BUY:
- Mint authority not revoked (team can mint infinite tokens)
- Single wallet holds > 20% of supply
- Liquidity not locked (team can pull liquidity)
- Token was just created (< 1 hour old) with suspicious volume
- Social media created same day as token
- Contract is a known scam template (check via tools)
IF YOU CHOOSE TO TRADE NEW TOKENS:
- Maximum allocation: 1-2% of portfolio per token
- Set mental stop at 50% loss (sell immediately)
- Take profit at 2-3x (secure initial investment)
- NEVER use leverage on new tokens
- Treat any money allocated as a complete write-off
- See risk-management for position sizing
- See memecoin-trading for detailed memecoin strategies
Anti-Patterns
DO NOT do these when trading on Solana:
-
Ignoring priority fees during congestion: Transactions will fail repeatedly, and by the time they land, the opportunity may be gone. Always check network conditions and set appropriate priority fees.
-
Max leverage on Solana perps: Just because Drift or Jupiter allows 20x or 100x does not mean you should use it. The 400ms block times mean liquidations happen fast. Max recommended: 5x for major assets, 3x for altcoins.
-
Aping into just-launched tokens with significant capital: New tokens on Solana (especially from pump.fun) are extremely high risk. Maximum 1-2% of portfolio per speculative token. Most will go to zero.
-
Not keeping SOL for gas: If you swap all your SOL, you cannot pay for any transactions. Always keep minimum 0.1 SOL (preferably 0.5+ SOL) as a gas reserve.
-
Using maximum slippage on large orders: Setting 10% slippage on a $10,000 order means you could lose $1,000 to sandwich attacks. Use the minimum slippage needed and split large orders.
-
Interacting with unverified token contracts: Always verify token addresses through Jupiter’s strict list, Birdeye, or DexScreener. Copy-paste addresses — never type them manually.
-
Ignoring Solana-specific MEV: Solana has active MEV bots that sandwich transactions. Use Jito bundles for larger trades, or use Jupiter limit orders to avoid front-running.
-
Looping leverage without understanding liquidation cascades: The mSOL borrow-loop strategy can cascade into liquidation. Understand your liquidation price at every loop level.
Validation Checkpoints
Input Validation
- Protocol identified and verified (official website, contract addresses)
- Wallet has sufficient SOL for gas (minimum 0.1 SOL)
- Token addresses verified against Jupiter strict list or trusted sources
- Current network congestion assessed (priority fee level)
- Slippage tolerance appropriate for the asset’s liquidity
- For leveraged positions: collateral and liquidation price calculated
Output Validation
- Transaction simulated before submission (when possible)
- Priority fee set appropriately for current network state
- Position details documented (entry, stop, target, liquidation if leveraged)
- Risk management validated — sized per Risk Management framework
- Protocol concentration check (< 20% per protocol)
- For yield positions: APY source classified (real vs emissions) per DeFi Yield
- For new tokens: evaluation checklist completed, red flags assessed
- Exit strategy defined (take profit levels, stop-loss levels)
- Sufficient gas reserve maintained post-transaction
Example
User: “I have 50 SOL and want to earn yield on Solana. What’s the best strategy?”
Analysis:
## Solana Yield Strategy: 50 SOL (~$9,000 at $180/SOL)
### Reserve
Keep 0.5 SOL ($90) for gas fees → 49.5 SOL available
### Option Comparison
| Strategy | Est. APY | Risk | Complexity | Active? |
|-----------------------|---------|--------|-----------|---------|
| Marinade mSOL (hold) | 7% | Low | Very Low | No |
| mSOL/SOL LP (Kamino) | 10-15% | Low | Low | No |
| SOL/USDC LP (Kamino) | 15-25% | Medium | Low | No |
| Drift Lending (SOL) | 3-5% | Low | Low | No |
| mSOL leverage loop | 15-25% | High | Medium | No |
| Jupiter Perp LP (JLP) | 20-40% | Medium | Low | No |
### Recommended Allocation (Moderate Risk Profile)
1. FOUNDATION: 25 SOL → Marinade mSOL ($4,500)
- Stake SOL, receive mSOL
- APY: ~7%
- Annual return: ~$315
- Risk: LOW (liquid staking, blue-chip)
2. GROWTH: 15 SOL → Kamino mSOL/SOL Vault ($2,700)
- Deposit mSOL + SOL into Kamino automated vault
- APY: ~12% (staking yield + trading fees)
- Annual return: ~$324
- Risk: LOW-MEDIUM (correlated pair, minimal IL)
3. YIELD BOOST: 9 SOL → Kamino SOL/USDC Vault ($1,620)
- Split to SOL + USDC, deposit into concentrated LP vault
- APY: ~18%
- Annual return: ~$292
- Risk: MEDIUM (IL if SOL moves significantly)
4. GAS RESERVE: 0.5 SOL ($90)
- Keep in wallet for transaction fees
### Portfolio Summary
- Total deployed: 49.5 SOL ($8,910)
- Blended APY: ~10.4% weighted average
- Estimated annual return: ~$931
- Max protocol exposure: Kamino 49% (mSOL/SOL + SOL/USDC) → consider
splitting between Kamino and Orca for diversification
### Risk Check (per risk-management)
- [x] No leverage used
- [x] All protocols audited (Marinade, Kamino)
- [x] Gas reserve maintained (0.5 SOL)
- [x] Yield sources classified: mSOL (real yield), LP fees (real yield)
- [!] Kamino concentration at 49% — consider splitting to keep < 40%
- [x] Exit strategy: Can withdraw from all positions within 1 epoch (~2 days)
### Action Steps
1. Swap 25 SOL → mSOL on Jupiter (or deposit directly on Marinade)
2. Deposit ~12.5 mSOL + 2.5 SOL into Kamino mSOL/SOL vault
3. Swap 4.5 SOL → USDC on Jupiter
4. Deposit 4.5 SOL + ~$810 USDC into Kamino SOL/USDC vault
5. Keep 0.5 SOL in wallet
6. Review positions weekly, rebalance monthly