The current AHV pension system faces significant challenges, threatening stable retirements for younger generations. As retirement ages rise and reforms struggle, the future of pensions is uncertain. Wool offers a solution with a 3rd pillar pension plan using blockchain technology as an alternative to traditional funds. It leverages decentralized lending protocols like Aave and Compound, allowing liquidity to be lent through stablecoins in exchange for interest. But what good is a retirement fund if the future world is no longer livable? Therefore Wool invests a portion of the yield into societal well-being and environmental preservation, ensuring a livable future. For instance, an 8% yield might allocate 4% to customers, 3% to the planet, and 1% to operational costs.