Bitcoiners have always dreamed of one thing: living off their BTC without ever having to sell it.
Yala was built to make that possible. With our overcollateralized stablecoin $YU, we've already unlocked powerful ways to earn yield from your Bitcoin through DeFi, real-world assets (RWA), institutional-grade products, and automated strategies like Yala Lite Mode and AI Yield Agents.
Now, we’re taking the final step: bridging your on-chain yield to everyday spending.
Introducing the Yala PayFi Universe
At the center of this vision is the Yeti Card: your Bitcoin-yield-powered payment card.
Buy Now, Pay Never: Fund your life with Bitcoin yield. Your principal stays untouched.
Accepted Globally: Use it anywhere Visa or Mastercard is accepted.
Fully Integrated: Compatible with Apple Pay, Google Pay, and mobile wallets.
Borderless Spending: Use your Bitcoin-backed earnings for groceries, travel, business expenses, and more.
This isn’t a credit card. It’s not a loan. It’s yield-powered spending backed by Bitcoin, delivered through $YU and Yala’s yield infrastructure.
How It Works
Mint $YU by overcollateralizing your Bitcoin via Yala’s CDP system.
Deploy your $YU into Yala’s diverse yield engines:
Spend your yield via the Yeti Card or directly through supported PayFi integrations.
No need to cash out. No taxable disposals. Just uninterrupted exposure to BTC while the yield pays your bills.
What Powers the Yala PayFi Universe
$YU, Yala’s Bitcoin-backed stablecoin: Overcollateralized, yield-generating, and fully interoperable across DeFi and RWA systems.
PayFi Infrastructure: Integrated with Alchemy Pay, Circle, and Solayer to enable seamless BTC-backed spending across traditional rails.
Compliant Fiat Channels: Through Yala’s membership in the Circle Alliance, $YU can be swapped 1:1 to USDC with zero fees, unlocking global, compliant payments.
Liquidity & Access: Embedded into Solayer’s liquidity infrastructure, making $YU yield spendable in a growing range of real-world use cases.
Why It Matters
This is more than a card. It’s a financial operating system for people who want to live on Bitcoin.
With Yala, Bitcoin becomes an income-generating base layer, not a static asset. You retain full upside exposure while extracting daily liquidity from your yields.
Buy Now, Pay Never.
What’s Coming
Over the coming weeks, we’ll be opening early access to the Yeti Card and rolling out PayFi integrations for individuals and businesses. You’ll be able to:
Set up personal or business savings accounts funded by BTC yields
Automate expense coverage while maintaining principal exposure
Integrate with SME finance tools to power Bitcoin-native operations
We’re also onboarding new PayFi, RWA, and security partners to ensure the system is robust, compliant, and scalable.
Stay Tuned
The application window for early access will open soon. Until then, never sell your Bitcoin.
Live off your yield. Live the Bitcoin lifestyle. Buy Now. Pay Never.
Join the Yala Community
Yala is a native Bitcoin liquidity protocol that channels BTC into yield opportunities across DeFi and RWAs.
Bitcoin holders unlock capital through self-custodial, liquidation-free borrowing by minting $YU, a BTC-backed liquidity asset. In this process, they pay a stability fee directly to $YU depositors, effectively exchanging BTC-backed exposure for portable, capital-efficient liquidity and access to yield without giving up ownership.
Yala’s SmartVault module manages system risk and ensures efficient yield distribution.
Yala x Raydium: Activate Your $YU Across Solana DeFi
Designed as a unified yield hub, Yala’s DeFi Marketplace is your destination for earning real yield and stacking Berries across top DeFi protocols. Now, with the integration of Raydium, Solana’s prominent AMM and high-speed DEX, Yala unlocks even greater utility for $YU, its BTC-backed liquidity asset.
Users can now deploy $YU into Raydium’s swap pool to earn LP fees, boost capital efficiency, and stack Berries, the key to unlocking exclusive campaign eligibility and deeper rewards.
What Is Raydium?
Raydium is an automated market maker (AMM) and decentralized exchange (DEX) built on Solana. It combines Solana’s lightning-fast speed and ultra-low fees with a hybrid model – fusing traditional AMM liquidity pools with a central limit order book. The result? Deep liquidity, tighter spreads, and CEX-like execution in a fully on-chain environment.
When you provide a token pair to a Raydium liquidity pool, your assets are used to facilitate swaps – and in return, you earn a share of the trading fees. Raydium also supports concentrated liquidity, allowing LPs to deploy capital within specific price ranges to improve efficiency and boost potential returns.
In short: you trade or provide liquidity – Raydium optimizes the execution behind the scenes. All of it runs seamlessly on Solana, with near-instant settlement and ultra-low fees.
Start Earning with $YU on Raydium in 3 Easy Steps
Step 1 – Connect Your Wallet
Click “Go” on Yala’s DeFi Marketplace to navigate to Raydium, then connect your Solana wallet (e.g., Phantom).
Step 2 – Add Liquidity
Enter the amount of $YU and USDC you’d like to deposit.
You must provide both tokens in a 1:1 value ratio.
Step 3 – Confirm & Start Earning
Confirm your position and approve the transaction in your wallet.
Once confirmed, you’ll start earning LP fees and Berries (with up to a 4× multiplier). You can track your rewards by monitoring your LP token value.
Yala DeFi marketplace is your command center for squeezing real yield out of every token you own. From BTC to $YU, your assets don’t sit still – they work, earn, and grow across DeFi’s most powerful protocols.
Yala is a native Bitcoin liquidity protocol that channels BTC into yield opportunities across DeFi and RWAs.
Bitcoin holders unlock capital through self-custodial, liquidation-free borrowing by minting $YU, a BTC-backed liquidity asset. In this process, they pay a stability fee directly to $YU depositors, effectively exchanging BTC-backed exposure for portable, capital-efficient liquidity and access to yield without giving up ownership.
Yala’s SmartVault module manages system risk and ensures efficient yield distribution.
We’re excited to unveil Yala Lite Mode, the easiest and safest way to earn sustainable, smart yield with just one click.
Whether you’re new to DeFi or a seasoned holder, Lite Mode eliminates the complexity: No LP tokens. No active management. No Liquidation risks. Just turn on yield, and let the tech do the rest!
Starting July 7 at 10AM UTC, you can lock in your spot in the first Lite Mode vault, with a fixed 12% APR, managed by YAY-Agent (Yala AI Yield Agent), an AI-powered agent designed to be the ultimate $YU yield farming strategist.
Key Details on Pre-Deposit
First come, first served. Once filled, it’s closed. No extensions.
Yala Lite Mode is your one-click yield solution, powered by our YAY-Agent and designed for anyone who wants to earn without the stress of managing DeFi strategies.
Earn a 12% fixed APR in just three steps:
Connect Wallet
Convert to $YU
Deposit $YU into Earn
Sit back and wait for the strategy to make yields for you!
That’s it. Your assets are auto-deployed into high-performing Prime Invest strategies curated by Yala.
Set it. Forget It. Earn in Lite Mode.
Why Choose Lite Mode?
Simple: No LP mechanics. No complex yield farming. Just one click.
Predictable: FIXED 12% APR over the full execution period (i.e. from July 8 to Aug 7 for the first strategy).
Transparent & Protected: Transparent strategy execution. No risk of losing money.
Curated: Backed by Yala’s AI-powered strategy engine, powered by real-time data.
Hands Off. Yield On. That’s Lite Mode.
Ready to Earn?
Set reminders, plan ahead. The window is short and capacity is limited!
Yala is a native Bitcoin liquidity protocol that channels BTC into yield opportunities across DeFi and RWAs.
Bitcoin holders unlock capital through self-custodial, liquidation-free borrowing by minting $YU, a BTC-backed liquidity asset. In this process, they pay a stability fee directly to $YU depositors, effectively exchanging BTC-backed exposure for portable, capital-efficient liquidity and access to yield without giving up ownership.
Yala’s SmartVault module manages system risk and ensures efficient yield distribution.
Euler Joins the Yala DeFi Marketplace: Supply, Loop & Earn with Boosted Berries
GM Yetis,
We’re excited to announce the integration of Euler, a leading Ethereum-native lending protocol, into the Yala DeFi Marketplace.
With Euler now live, $YU holders can earn yield and boosted Berries rewards by supplying USDC or $YU directly on Ethereum, helping power the PT-YU market while enjoying leveraged returns.
Whether you’re sitting on idle USDC or looking to put your $YU to work, Euler offers a safe and capital-efficient way to earn, in line with Yala’s mission to deliver diverse yield opportunities for Bitcoin users.
Euler is one of Ethereum’s most advanced lending platforms, enabling users to deposit, borrow, and build sophisticated DeFi strategies using non-custodial smart contracts.
With a flexible vault system and composable yield mechanics, Euler is the perfect partner for Yala to scale BTC-backed liquidity on Ethereum. To strengthen the pt-YU liquidity loop, Yala is introducing targeted incentives for users.
At its core, Euler lets users:
Lend with control: Earn interest by supplying assets to open markets while managing your own risk.
Borrow flexibly: Use crypto assets as collateral to access capital with adjustable risk settings.
Build with tools: Create custom lending products or integrate with other DeFi protocols using Euler Vaults.
How It Works in the Yala DeFi Marketplace
Just like our other integrations (Pendle, Kamino, RateX), Euler Vaults are fully accessible from the Yala DeFi Marketplace ,no app switching or wallet juggling required.
Supply USDC: Earn 5x Berries/hour
Supply USDC into Euler’s designated lending pool to support pt-YU borrowers. With the base reward rate of 0.05 Berries per unit, you’ll earn a 5x multiplier while providing essential stablecoin liquidity.
Supply $YU: Earn 3x Berries/hour
Deposit your $YU into Euler’s $YU pool to earn lending yield and 3x Berries/hour.
Loop & Leverage: Maximize PT-YU Yield and Berries
PT-YU already offers attractive implied yields on Pendle. By using Euler, you can take it a step further—leveraging PT-YU to amplify both returns and Berries.
Supply PT-YU as collateral on Euler to borrow $YU, then use that $YU to buy more PT-YU on Pendle. Repeat the loop to build a capital-efficient position with boosted yield exposure and Berries rewards throughout.
Note: Staking PT-YU itself does not earn Berries rewards.
A Stronger Yield Layer for Bitcoin
By minting $YU, users gain a versatile, cross-chain asset that seamlessly connects to protocols like Euler, Pendle, Kamino, and RateX, unlocking access to diverse, capital-efficient strategies on Ethereum, Solana, and beyond.
Start lending today and multiply your role in the future of decentralized yield.
Yala is a native Bitcoin liquidity protocol that channels BTC into yield opportunities across DeFi and RWAs.
Bitcoin holders unlock capital through self-custodial, liquidation-free borrowing by minting $YU, a BTC-backed liquidity asset. In this process, they pay a stability fee directly to $YU depositors, effectively exchanging BTC-backed exposure for portable, capital-efficient liquidity and access to yield without giving up ownership.
Yala’s SmartVault module manages system risk and ensures efficient yield distribution.
June marked an explosive leap for Yala. Our Total Value Locked (TVL) soared to $134.4 million, and Mint Cap 2 filled 50 million $YU in just 10 days, bringing the cumulative cap to $70 million. This liquidity has flowed into top DeFi integrations, including Pendle, Kamino, RateX, Raydium, Penpie and Equilibria, with more ecosystem integrations joining soon.
Yala has rapidly evolved from a promising mainnet launch into a thriving liquidity powerhouse, channeling Bitcoin into sophisticated mutli-chain yield strategies.
In This Update:
Mainnet + Ecosystem Expansion
Protocol Developments
Community Momentum
What’s Next
Mainnet + Ecosystem Expansion
Since our mainnet launch on May 16, Yala has experienced unprecedented growth. By the end of June, our TVL reached $133.4 million according to DeFiLlama. Bitcoin holders are using Yala to unlock yield opportunities previously out of reach.
Most $YU minted doesn’t sit idle, it flows directly into yield-generating strategies through our integrated DeFi partners.
$YU Mint Cap 2 Success & DeFi Flow
On June 13, we opened Mint Cap 2 with a capacity of 50 million $YU. The response was overwhelming – it was fully minted by June 23, demonstrating strong demand for BTC-backed liquidity in the market.
Yield in Action
June saw major expansions to the Yala DeFi Marketplace, our unified hub where the majority of minted $YU flows to earn real yield. These integrations brought leading protocols directly into Yala's ecosystem:
Solana Strategies
Kamino: Post-launch, the YU/USDC pool on Kamino surged from $1 million to $3.59 million TVL in June, reflecting strong demand to our yield strategy. Kamino anchors our Solana-based liquidity provision strategy.
Raydium: Offers high-speed, low-cost liquidity provision from the YU/USDC pool. Users earn LP rewards, trading fees, and boosted Berries multipliers.
RateX: Now live in the Marketplace, RateX brings advanced yield trading strategies to Solana, enabling margin-based yield trading and fixed-rate tokenization, currently offering 11.93% APY for yield optimization.
Ethereum Strategies
Pendle: Our flagship yield splitting strategy on Ethereum allows Bitcoin holders to split $YU into Principal Tokens (PT) and Yield Tokens (YT), enabling users to either lock in fixed returns or speculate on future yield. The results are exceptional: over 105% APY on YU-Pendle LP positions, plus 6x Yala Berries rewards for providing YU LP liquidity and buying YT.
Yala + Pendle = Yield Stacking Unlocked
You can now engage with @pendle_fi's advanced yield strategies using $YU, directly inside the Yala DeFi Marketplace.
And yes... +105% $YU Pendle LP APY is on the table.
Equilibria: Our automated yield enhancement integration automatically directs $YU liquidity into Pendle's staking pools to maximize both base and enhanced rewards without manual management.
Penpie: The optimized staking strategy built by Magpie lets $YU holders access deep vePENDLE positions for higher LP yields without the complexity of manual lock-ups.
This multi-chain approach gives Bitcoin holders access to Solana's high-speed, low-cost yield farming alongside Ethereum's mature, sophisticated yield strategies. All protocols integrate seamlessly through our DeFi Marketplace, creating a unified experience where users can deploy $YU across multiple chains and strategies while earning 4x to 6× Berries rewards and protocol-native incentives.
Protocol Developments
June was a month of intensive development across multiple fronts:
Institutional Infrastructure & Security
Institution Mode Integration: We continued development on Institution Mode, focusing on integrating with cold wallets and third-party custodians. This ensures that large clients can manage assets securely via multi-signature and PSWSH custody solutions, paving the way for institutional adoption and flexible custody setups.
Binance Wallet Integration on Ethereum: Integration with Binance Wallet for Ethereum has been launched, giving institutional users more wallet options and streamlined asset management.
Native BTC Bridging Development: We’ve begun building a native minting protocol on Solana, which includes bridging BTC directly from the Bitcoin chain to Solana. This is a key step in extending native BTC liquidity across chains and reducing friction for users.
Liquidity Expansion: $YU liquidity pools expanded across both Ethereum and Solana ecosystems, with significant depth added on Uniswap V3 and Raydium. This deepens trading liquidity and capital efficiency for $YU across chains.
LST Collateral Support: Development has been completed to support Liquid Staking Tokens (LSTs) as collateral for minting $YU. This will broaden collateral options for both retail and institutional users and may be integrated into Institution Mode in future releases.
User Experience & Ecosystem
Lite Mode Launch: We are launching Lite Mode soon for retail users, enabling them to earn a fixed 12% APY with simplified, risk-free participation. This product lowers the barrier for newcomers seeking predictable returns.
Website Redesign: Development for a redesigned Yala website has been completed, introducing a modern, cleaner interface that reflects the expanding ecosystem and improves user navigation.
User Interface Updates: Several UI enhancements were implemented across the platform, including real-time display of key metrics like TVL and Mint Caps to improve transparency and usability.
NFT Strategy & Development: We finalized the technical work for Yala’s upcoming NFT program, paving the way for an NFT giveaway and deeper community engagement.
RealYield Page: We launched the dedicated RealYield page, setting the stage for new fixed-income products that will soon expand the BTC-backed yield offering for Yala users.
Data & Oracle Integrations
Oracle Partnership with Pyth: We initiated cooperation with Pyth Network to strengthen data infrastructure, ensuring high-quality price feeds and secure oracle services for Yala’s multi-chain operations.
Switchboard Partnership: Real-time pricing for $YU is now live on Solana, powered by Switchboard’s fast, verifiable on-chain oracles.
Yala x Switchboard
Real-time pricing for $YU is now live on Solana, powered by @switchboardxyz's fast, verifiable on-chain oracles.
June was a pivotal month for Yala's community growth and industry recognition. As our protocol matured and TVL soared, we focused on educating users, building thought leadership, and creating sustainable engagement programs that reward active participation in the Yala ecosystem.
Founders Hour Success
On June 9, our co-founders hosted "Founders Hour: Post Mainnet" at 1pm UTC, diving deep into:
Unlocking BTC liquidity across DeFi & RWAs
Multi-chain strategy & Solana integration
KT shared insights on "The BTCFi Reality Check": "BTCFi isn't broken, it's just early. Token performance may lag for some, but infrastructure is maturing. Custody, compliance, and capital are aligning. Yala is building what this sector needs: sustainable, diversified yield powered by BTC."
In case you missed our latest Founders Hour with co-founders @cktlore and @VickyXAI, here's what you need to know.
From mainnet momentum to RWAs, multi chain strategy, BTCFi outlook, and what's next for Yala in 2025.
💥 why the market mispriced Circle (and how she saw it early 👀) 🛒 why Shopify x USDC could be a turning point 📈 what the Plasma ICO conveys 🏦 and why… pic.twitter.com/BeQ2MaPYPz
Four Pillars Research: Deep dive into how Yala unlocks Bitcoin liquidity through $YU after mainnet launch, highlighting our role in bringing Bitcoin into broader DeFi and RWA ecosystems.
We launched the first phase of the Yeti Footprints Program - Yeti Yell. Not a campaign, but a culture. Yeti Footprints are earned through genuine contributions that help Yala and Bitcoin grow smarter, stronger, and more useful. From sharp critiques and bold ideas to tutorials, dashboards, and DeFi proposals, every meaning trace you leave counts.
Bitcoin. And there is no second best.
Yet your timeline is filled up with bots “yapping” tickers that only go down.
It's time for a change.
We bring you Yeti Yell (Phase 1 of Yeti Footprints), the only mindshare program where you can get rewards for honest voice for BTC and… pic.twitter.com/wb4Rsqvqjy
Looking ahead to July, here’s what we’re building for you:
More DeFi Integrations
We're bringing even more top-tier DeFi protocols into the Marketplace so you'll have even more places to put your $YU to work. We're already in talks with lending protocols like NX Finance and Euler – imagine the yield opportunities when these partnerships go live! As we add more protocols, you can expect our points system to get even more rewarding.
More protocols = More Yield opportunities + More Berries
Institutional Growth
We're rolling out the red carpet for institutional clients with Institution Mode. Think major Bitcoin holders who want the same yield opportunities you have, but with enterprise-grade security. We're also prepping for Mint Cap 3 – and trust us, you won't want to miss it.
Cool New Features Coming
YU Savings Pool launches in July – think of it as your $YU earning steady returns while you sleep
More exciting incentives will be revealed to recognize and reward our most dedicated Yetis
Omnichain PSM in development: making $YU work seamlessly across even more chains
Continued Solana expansion: we're not slowing down on making Solana the home for BTC liquidity
Your journey with Yala is just getting started. Bitcoin is working harder than ever, $YU is earning across chains, and our community is driving the liquidity revolution.
Join the Yala Community
Yala is a native Bitcoin liquidity protocol that channels BTC into yield opportunities across DeFi and RWAs.
Bitcoin holders unlock capital through self-custodial, liquidation-free borrowing by minting $YU, a BTC-backed liquidity asset. In this process, they pay a stability fee directly to $YU depositors, effectively exchanging BTC-backed exposure for portable, capital-efficient liquidity and access to yield without giving up ownership.
Yala’s SmartVault module manages system risk and ensures efficient yield distribution.
