what's YO?
YO is a decentralized finance (DeFi) protocol designed as a yield optimizer, automating the process of maximizing returns for users across multiple blockchain networks. It operates through a system of vaults that dynamically allocate capital to the highest-yielding opportunities in stablecoin and other asset pools, while incorporating risk assessments to balance potential rewards with security. Users deposit assets into YO vaults, which then compound yields by reinvesting earnings and adjusting positions based on real-time market conditions. The protocol supports assets like yoUSD, yoETH, and yoEUR, which are optimized versions of stablecoins and ETH derivatives. These vaults integrate with various DeFi primitives, such as lending markets, liquidity pools, and staking mechanisms, to source yield from protocols including Pendle, Euler, and Avantis. YO emphasizes multichain compatibility, allowing seamless operations across networks like Ethereum and Base, with features like leveraged exposure and incentive multipliers to enhance user participation. At its core, YO differentiates itself by using advanced risk ratings and exponential capital allocation strategies to ensure efficient yield generation without manual intervention. This makes it accessible for users seeking passive DeFi strategies, while maintaining transparency through on-chain operations and community governance elements.
Recent YO update adds vault activity filtering by type, time, network, and top holders.
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Released a new UI feature allowing users to compare yoVault performance against other DeFi cohorts to benchmark yield across the market.
Hosts a virtual hackathon called "HACK WITH YO" on DoraHacks from 2026-02-26 to 2026-03-19 with a $3,000 USD plus 30,000 YO prize pool for developers building DeFi savings experiences.
Integrated with vaultsfyi for onchain share price tracking to support APY calculations and yield optimization.
yoGOLD is earning 1.58% native APY on XAUt-based deposits.
Integrated Maple Finance as a yield source for yoUSD, utilizing syrupUSDC for institutional lending yield through fixed-rate, short-duration, overcollateralized loans.
Integrated with ShinjoApp, which routes deposits into YO vaults and uses the generated yield for daily prize draws while keeping principal withdrawable.
Utilizes Across Protocol to provide yoBTC yield functionality.
Has processed over $30M in crosschain deposits through Across Protocol since launching in May 2025.
Uses Aave's EURC lending market as a yield source for the yoEUR product.
Released a new deposit and withdrawal user interface with improved asset selection and chain selection for yoVault token receipt, plus real-time status tracking for crosschain deposits.
Reached 612 XAU₮ deposited in yoGOLD vault, becoming the largest yield-bearing gold product in DeFi.
Head of BD and Partnerships Matt Kulpinski represents YO Labs at EthereumDenver conference.
Provides variable YO token reward APY for holding yoUSD, yoETH, or yoEUR yield tokens on Pendle, and for providing liquidity on Pendle with bonus rewards for staking in Equilibria.
Underwent independent security reviews from Spearbit, Hunter Security, Offbeat, Aether, and Paladin Security over the past year.
Integrated with Goldsky to power real-time deposits functionality.
Begins Phase 2 rewards campaign on February 12, 2026, with 14% reward APY on yoVaults, yoETH, yoUSD, yoBTC, yoEUR, and yoGOLD deposits. yoUSD deposits earn 5.6% native APY from 55 yield sources, with zero fees and no lockups.
Increased allocation toward Ethereum over the last 30 days for yoEUR optimization, driven by deep liquidity, leverage demand, and efficient capital on L1 versus L2.
The yoETH vault integrates with Origin Protocol ARM to generate yield.
Achieves approximately 15% APY yield through the Clearstar Labs ETH Reactor with 100% allocation to yoETH.
Opened airdrop claims for eligible participants, with window open until 2026-05-06 for users who deposited into YO or participated in eligible DeFi activities prior to 2026-01-29.
Released vault activity filtering features allowing users to filter by activity type (deposit/withdraw), time period (24h/7d/30d), network (Ethereum, Base), and top holders.
Integrated with Euler to enable borrowing and looping as reward-earning activities for YO.
TGE occurred on 2026-02-05.
Introduces $YO as the governance token powering its yield engine, with 8% of $YO allocated for Genesis Airdrop to depositors in Yo vaults.
Hosting a community AMA on January 30, 2026 at 14:00 UTC to discuss the YO token launch, rewards program, and roadmap.
Integrated with Moneda to provide yield opportunities on USD and Euro assets through Moneda's Smart Earnings Account.
Added support for Arbitrum yield sources.
Suffered a $3.73M loss during a Vault operation involving a swap from stkGHO to USDC due to extreme slippage, where 3.84M GHO was exchanged for only 112K USDC on 2026-01-13.
Partnered with IDX Digital Assets in December 2025.
Sponsors gas fees for users of the Mini App on Base.
Generated over $2.8M in cumulative yield for depositors through vaults in 2025.
Experienced zero hacks or exploits throughout 2025.
Integrated Resolv Labs' USR stablecoin and RLP leveraged yield asset as new yield sources for the yoUSD vault.
YO Labs raises $10 million in Series A funding led by Foundation Capital with participation from Coinbase Ventures to expand cross-chain capabilities and infrastructure.
Raised $10 million in Series A funding led by Foundation Capital with participation from Coinbase Ventures, with funds allocated to expand cross-chain capabilities and strengthen infrastructure.
$10 million Series A financing secured, led by Foundation Capital with participation from Coinbase Ventures, Scribble VC, and Launchpad Capital.
Native deposits for all five yoVaults go live on Ethereum Mainnet, completing the rollout of direct deposit functionality across the entire vault product line.
The XAU₮ cap on Aave has been raised to $25 million, and yield activation is imminent.
GOLDEN WEEK campaign goes live with $500 in gold-backed rewards for yoGOLD deposits via Enso.
GOLDEN WEEK promotional campaign runs until December 17, offering $500 in gold-backed prizes for users who hold $10 of yoGOLD daily, with each day counting as one entry.
A Twitter Space is scheduled for December 15th at 6PM UTC/1PM ET with Clearstar Labs and IPOR to discuss yoGOLD's functionality and DeFi applications.
Integrated developer platform with infrastructure engine for 100+ DeFi opportunities, released TypeScript SDK for multi-chain, multi-asset functionality. Integrated yield engine into SkillsMP as agent-ready workflows, enabling DeFi agents with earning capabilities.
Native Ethereum deposits are now live for all vaults, enabling users to deposit, receive tokens, and earn yield directly on Ethereum with fewer steps.
Native Ethereum deposits launch for all yoVaults, enabling users to deposit on Ethereum and receive yoTokens on Ethereum with the same vaults and yield but fewer steps.
The vault now houses 50 troy ounces of gold (approximately 3 pounds) onchain.
yoUSD reaches $30M TVL milestone. Native Ethereum deposits launch with yoETH, and HyperEVM integration completes.
The yoGOLD yield vault partnership includes curation by Clearstar Labs and IPOR.
Pre-deposits are now open for yoGOLD with a $10 million cap, early depositors receive boosted points, and deposits mint 1:1 against XAUt on Ethereum or through Enso.
Pre-deposits for yoGOLD vault open with a $10 million cap, early depositors receive boosted points, and deposits mint 1:1 against XAUt on Ethereum or through Enso.
Portals.fi integration launches, allowing users to migrate from almost any vault, LP, or lending position directly into YO vaults in a single transaction with bundled bridge, swap, and deposit operations.
CoinGecko price display malfunction affects yoUSD, yoBTC, yoEUR, and yoGOLD along with dependent wallet interfaces, with the team confirming funds are safe and vault operations continue normally.
Price display issue on CoinGecko affects yoGOLD, yoUSD, yoBTC, and yoEUR visibility across wallets using their API; vaults operate normally and funds remain safe.
Launches institutional-grade yield vault for tokenized gold, backed by Tether Gold (XAU₮) with yield from IPOR strategies and Clearstar Labs execution.
Launched yoGOLD, a yield vault for tokenized gold in partnership with Tether Gold, enabling earning yield on XAUt.
Winner of November's monthly referral competition receives $500 in yoTokens plus 5,000 YO Points for generating the highest TVL through referrals.
The 3x YO Points Black Friday weekend event ends today at 6:59PM ET, after which the points multiplier for holding yoTokens (yoUSD, yoETH, yoBTC, yoEUR) reverts to 2x.
A baseline 2x YO Points multiplier applies to all yoToken holders (yoUSD, yoETH, yoBTC, yoEUR) after the 3x Black Friday promotion concludes at 6:59PM ET.
yoETH has no exposure to Yearn's yETH product, with all funds confirmed safe and vault operations continuing normally.
yoETH integrates with Equilibria platform, enabling full vePENDLE boost, automated reward distribution, and deposits via WETH, yoETH, or Pendle LP/PT on Base.
All deposits earn 3× YO Points during a Black Friday promotion from Thursday 7pm ET through Monday 6:59pm ET.
nuvolari_ai integrates with YO, combining deterministic AI with the risk-adjusted vault architecture to provide personalized execution and curated yield across 100+ sources for teams building with YO.
yoETH adds Lido Finance's wstETH as a new yield source, providing access to ETH staking rewards through the wrapped, non-rebasing version of stETH.
A new yield source launches for yoBTC through Stake DAO's cbBTC/WBTC Strategy, utilizing Stake DAO's yield infrastructure and dominant position in the Curve ecosystem to maximize yields.
EarnbaseFinance shows yoEUR at the top for euro yields with over $1m TVL, sourcing from 9 vaults total (Morpho vault plus eight more).
Native deposits launch on the platform, eliminating mandatory bridging and allowing users to deposit WETH on Ethereum to receive yoETH directly.
Backed by Paradigm, Circle, and Solana; actively hiring Web3 backend and Rust developers for fully remote positions.
Onchain app Axal (@getaxal) integrates YO as its yield backbone, implementing verifiable, risk-rated yield directly into its user experience.
A new incentives campaign launches on Pendle markets offering 7% APY for yoETH, 15% APY for yoUSD, and 7% APY for yoEUR, with all rewards paid in yoTokens.
Co-founder and CIO Mehdi Lebbar attends EFDevcon, seeking meetings with developers to build on YO or explore yield layers.
The Zerion quest promotion offering 2.5x YO points and Zerion XP boost ends today.
yoUSD offers 17% boosted Pendle APY and 4x YO Points through Equilibria integration on Base.
Quest with Zerion goes live, offering lifetime 2.5x boost on YO Points and Zerion XP for deposits into yield strategies.
YO announces a special launch with Zerion scheduled for tomorrow, with yoVaults already integrated into the Zerion app.
yoUSD confirms no exposure to Stable Labs' USDX or Elixir deUSD, with all vault assets remaining secure and verifiable onchain.
yoEUR vault launches with Everclear's EURC integration, cutting fees up to 60% on EURC swaps and bridges.
All assets remain safe following Balancer V2 exploit. yoETH's indirect exposure through autoETH has been fully exited, with no other vaults exposed.
Tuyo app offers 4x points promotion for new wallet setups. Ryan Adams posts about the platform on social media.
Partners with DL Research to release educational research piece "Solving the DeFi Yield Maze" examining yield optimizers and YO's Gen 3 protocol approach.
yoUSD integrates Hyperliquid HyperEVM yield sources, starting with USDT0 and USDC from Felix Protocol via Morpho Labs.
Tuyo wallet launches as the first wallet with native YO integration, enabling one-click DeFi yield directly from the wallet interface.
yoETH adds new yield source through RockSolid rETH integration, with deposits actively managed across AAVE, Morpho, and other markets to optimize funding rates and loop positions for boosted returns.
OpenCover now provides insurance protection for yoUSD and yoETH vaults.
Launches YOligarchy referral program offering $500 plus YO points for content creators who refer depositors, with 10% points bonus and rank progression based on referral deposit volume.
yoBTC and its lending market reach top of Earnbase rankings and generate yield fully onchain across 10 yield sources.
Launches vaults on IPOR protocol with yoUSD Looper at 15% APY/7d and yoETH Looper at 9% APY/7d, both earning 6x YO points and 5x Fusion points.
Announces collaboration with Everclear for EURC bridging and clearing, with vaults ready to deploy YOptimized services.
Expands Morpho integration with yoUSD housing Morpho USDCV Prime at ~9% APY/7d and yoEUR receiving kpk-curated EURC on Morpho at 5.3% APY/7d.
Integrates with Morpho Labs platform, offering 3% reward APR for lending USDC to Clearstar Labs USDC Reactor or High Yield USDC (paid in yoUSD) and 2% reward APR for lending WETH to Clearstar ETH Reactor (paid in yoETH).
yoBTC holders earn an extra 2% reward APY on Euler Finance Frontier market through borrowing or looping, with 21% max ROE for loopers and a 3% lending rate.
yoEUR holders earn 6%+ APY plus an extra 2% reward APR paid in yoEUR through vault deposits as the incentives program launches today.
Announces YOligarchy Ambassador referral program, offering $500 and 5000 points monthly to the top recruiter through the "YOnqueror of the Month" competition.
The vault deposits 15% of ETH into the kpk-curated pool following the Gearbox Protocol integration.
yoETH integrates with Gearbox Protocol, adding kpk_io-curated ETH and wstETH markets as new yield sources for the vault.
Partnership with Veera wallet brings YO's yield engine to over 5 million Veera users.
mevBTC from MidasRWA is added as a new yield source for yoBTC vault, with ~$18m TVL targeting 9.99% APY.
The vault provides 8% total APY (6% base + 2% rewards paid in yoEUR) utilizing Aave's EURC market, Morpho Labs, and Fluid as euro-yielding sources.
ClearstarLabs launches V2 vault on MorphoLabs as a trusted partner, with future collaborations planned.
Partnership with VeloraDEX integrates optimized liquidity routing from hundreds of sources into all yoVaults.
Deploys approximately 1000 ETH from yoETH vault to Origin Protocol's ARM to generate yield through stETH arbitrage opportunities.
Approximately 1000 ETH from yoETH vault is added to Origin Protocol's ARM, converting stETH arbitrage into yield opportunities.