Buy Now, Pay Never: Introducing Yala’s PayFi Universe
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:
- DeFi Marketplace (DeFi strategies)
- RealYield (RWA access)
- Yala Lite Mode (AI-driven fixed income)
- 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.