The only DeFi vault you’ll ever need, connecting capital from 50 DeFi protocols with continuous, risk-adjusted optimization.
Joined August 2007
- Tweets 2,237
- Following 151
- Followers 38,080
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1,027 Photos and videos
TL;DR
yoloUSD expands into higher-yield lending markets, stablecoin incentives, and other measured-risk onchain strategies
Deposit into yoloUSD today or zap in via @EnsoBuild or @portals_fi:
app.yo.xyz/vault/ethereum/yo…
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yoUSD needed to reduce risk for wallet users who couldn’t see the vault breakdown. But other users were missing on the high yields of DeFi. We brought them back with a new vault.
yoloUSD is essentially the yoUSD from 6 months ago, and we are creating new features for it that we will announce in the coming month.
YOLO is an explorer's instinct. A desire to venture beyond.
Introducing yoloUSD, a moderate-risk vault targeting 9% APY on USDC.
Pure onchain yield powered by YO's Risk Graph, now live on Ethereum, Base, and Arbitrum.
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Some adventures await beyond the familiar routes, and YO mapped out a new frontier for yoloUSD.
Deposit today and earn 9.83% on USDC and 6% $YO rewards:
app.yo.xyz/vault/ethereum/yo…
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This stack is the blueprint for tomorrow's onchain finance, today:
✅ on/offramp
✅ non-custodial
✅ mobile-friendly
✅ onchain FX swap
✅ crypto card support
✅✅✅ integrating YO
Jun 10
I felt bored and vibe-coded a neobank in a week. The best part? You don’t even realize it runs entirely on crypto rails under the hood.
Main functionalities:
- On/off-ramp fiat to stables via BridgeXYZ
- Send, receive, and request stablecoin payments on Base
- Deploy funds to selected blue-chip DeFi protocols
- Get a free Gnosis Pay crypto debit card
All of this is powered by account abstraction and non-custodial wallets.
Users receive a Privy wallet upon registration and never have to worry about signing transactions or approvals.
Transactions are sponsored and batched via EIP-7702, so no separate token approvals are required either.
In a nutshell: one-click access to stablecoin transactions sent directly to users via email, plus seamless entry into DeFi.
Tech stack:
- BridgeXYZ – on/off-ramp fiat to stables
- Privy – non-custodial wallets
- EIP-7702 – transaction batching and sponsoring
- iOS app built with React Native
- LIFI API – swapping between USDC and EURC
- Resend – email notifications
- DeFi protocols: Aave, Morpho, Compound, and YO
- Gnosis Pay API – virtual crypto debit cards
- NodeJs Backend
Inspired by @alliance's request for startups.
If you want to check it out, let me know so I can add you to TestFlight.
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RLP Recovery Update
YO will handle the RLP recovery claim on behalf of affected yoUSD users.
YO will claim the USDC allocation and distribute it to eligible users within 24 hours. Users who already claimed RLP through the YO dApp are not eligible.
For the RESOLV portion vesting over 24 months, YO will claim and distribute quarterly subject to operational feasibility.
No action needed from users for now.
Jun 9
The recovery portal is open for Stage 2
Eligible categories:
• USR/wstUSR acquired post-incident
1 USR : 0.5 USDC
• LP positions (post-incident portion)
1 USR : 0.5 USDC RESOLV allocation bringing total recovery to 95% at reference RESOLV price
• RLP holders (not leveraged)
1 RLP : 0.71 USDC 2.71 RESOLV per RLP (60% total recovery at reference RESOLV price)
→ app.resolv.xyz/recovery
Recovery portal is open till August 26, 2026.
Eligibility for Stage 2 is determined by the snapshot taken on June 3, 23:59 UTC.
KYC is required for any recovery asset in any stage where the claimable amount exceeds 10,000 USDC. Allocations of $RESOLV exceeding 10,000 tokens will vest over 24 months, with monthly linear unlocks beginning on June 27, 2026, through the vesting app.
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The questions Risk Graph is built to answer:
1. Which pools have direct exposure to [asset]?
2. Which protocols are systemically important to DeFi?
3. Is the yield on [pool] actually reflecting its full map of dependencies?
Get started here: yo.xyz/risk-graph
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Every neobank needs a yield layer. Does yours have one yet?
✅ Yes
❌ No
If you answered no, BUILD WITH YO.
Deliver competitive yield powered by the most rigorous risk framework in the space straight to your @base app.
The neobank revolution is happening on @base:
- @AviciMoney
- @Bitso
- @Cypher_HQ_
- @DeblockApp
- @edenfi_onchain
- @ether_fi
- @Exa_App
- @fido_usa
- @fluidkey
- @getaxal
- @getberryapp
- @getBusha
- @getrebind
- @getrizon
- @Go_Karsa
- @HurupayApp
- @itstuyo
- @KASTxyz
- @kiteappxyz
- @kontigo_app
- @koywe_latam
- @lemonapp_ar
- @liminalcash
- @meow
- @minipay
- @moneda_com
- @ndovu_wealth
- @Nexo
- @nook_platform
- @OfframpXYZ
- @OnboardGlobal
- @On_Veera
- @peso_latam
- @Plasma
- @plutus
- @Privily_fi
- @RipioApp
- @Send
- @slashapp
- @somosmeru
- @stables_money
- @StraitsX
- @superformxyz
- @Tap_Fintech
- @useaccrue
- @useTria
- @Vaultleap
- @wirexapp
- @zothdotio
Every neobank will be built on Base rails
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