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.
YO lost $3.73M in a Vault operation due to extreme slippage on 2026-01-13.
contract
base
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.
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.
Developer integration platform launches, allowing third-party dApps to integrate YO's infrastructure engine for access to 100+ DeFi opportunities with no operational overhead.
Native Ethereum deposits are now live for all vaults, enabling users to deposit, receive tokens, and earn yield directly on Ethereum with 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.
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.
Price display issue on CoinGecko affects yoGOLD, yoUSD, yoBTC, and yoEUR visibility across wallets using their API; vaults operate normally and funds remain safe.
yoGOLD launches as the first institutional-grade yield vault for tokenized gold, powered by Tether Gold.
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.
Approximately 1000 ETH from yoETH vault is added to Origin Protocol's ARM, converting stETH arbitrage into yield opportunities.
Adds Euler Finance UltraYield Cluster wstETH as a new yield source on TacBuild platform, earning 5% APY from ETH staking yield, borrowers' interest, and TAC incentives.
Collaboration with DL Research produces "Solving the DeFi Yield Maze" research content covering yield optimizers and YO's positioning as a Gen 3 multichain yield layer protocol.
The project announces a visual redesign and upcoming updated vaults page to improve user experience.
yoEUR vault launches with 6% APY yield from EURC pools and 2x YO points boost, expanding beyond previously offered ETH, BTC, and USD products.
New mini app launches on Farcaster platform, enabling mobile access to ETH, USD, and BTC yield opportunities.
New YoGateway tool launches, enabling 1-day integration of ERC-4626 vaults for DeFi apps and wallets.
yoETH vault reaches $42M TVL with 10,000 ETH from 2,000 depositors.
Farcaster miniapp integration in development, bringing DeFi functionality to social networks.
Protocol reaches $50M Total Value Locked milestone.
Binance Wallet integration now live, providing direct access to risk-adjusted yield on ETH, BTC, and USD.
New OpenOcean Global integration enables direct token swaps with market, limit, and DCA order capabilities.
New Gluex Protocol integration enables zero-fee swaps into vaults on Base network.
New SafePal wallet integration enables mobile access to yield generation on ETH, BTC, and USD.
New Pendle market launches on Base chain with Equilibria vePENDLE boost integration for yield farming.
Protocol expands vault capacity to $25M, integrating multiple yield partners.
TVL surpasses $35M, marking 16.7% growth since June 8th milestone.
New referral program launches with 10% bonus YO Points for both referrers and referees.
Deposit cap raised to $25M with 6% APY and 5x points multiplier for deposits.
Launches integration with Aave Umbrella vaults, enabling new yield sources with dual rewards through protocol security participation.
New cross-chain deposit feature goes live, supporting 47 assets across 6 chains via EnsoBuild partnership.
TVL reaches $30M milestone while yoUSD vault hits maximum capacity.
New yield protocol launches on Base offering 4% APY for Bitcoin holders.
New $10,000 bug bounty program launched to strengthen protocol security.