The fixed growth protocol build natively on Stellar
Joined February 2026
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600+ downloads of the Spield SDK.
The SDK now covers the core flows across fixed-rate yield, PT/YT markets, vaults and routing.
Still early. Still building.
For developers who want to build on Spield → npmjs.com/package/@spield/sd…
Build on @StellarOrg
A Yield Token has a clock.
YT expires, but your yield doesn’t.
@BuildOnStellar with Spield.
Spield Testnet SDK is now live. ⚡
The SDK turns Spield from a single app into a fixed-yield primitive that other products can build on.
Payroll apps can route idle balances into fixed yield.
Treasury tools can offer predictable returns.
Payment products can integrate PT & YT directly into their flows.
Devs can now:
→ Build with PT & YT
→ Integrate Spield programmatically
→ Test on Stellar Testnet
→ Build fixed-yield experiences without starting from scratch
The goal is simple:
Make fixed yield on Stellar composable enough that builders can integrate it in an afternoon.
Early release, so feedback from developers is especially valuable.
SDK → npmjs.com/package/@spield/sd…
Live → spield.live
Fixed yield on Stellar, now programmable.
Looking for a few DeFi users to try @spield_
Explore it.
Test the experience.
Tell us what feels great, confusing, or missing.
Your feedback will directly help to shape what we build next.
Fixed yield.
Yield trading.
Built on @StellarOrg
→ spield.live
Fixed income has three kinds of certainty.
Spield PT gives you one: 1:1 USDC redemption at maturity.
Before then, its exit price is set by the market. Access to the underlying Blend position can also be delayed. Fixed redemption is not risk-free yield.
ALT A worn paper claim lies beside a firmly closed metal slot, while a shadowed doorway beyond it is blurred and uncertain. The stark still life contrasts a fixed redemption point with an uncertain route to market or underlying assets.
An expired train ticket should not trade at a station. A constant-product pool has no time-to-maturity state.
It treats Spield’s PT, a dated claim with known redemption value, like a perpetual asset. At maturity, Spield’s market halts and routes redemption through the Wrapper.
Spield will be judged by what Stellar products build with PT and YT, not by another yield screen.
PT redeems 1:1 at maturity. Early sales are market-priced.
YT can decay to zero. If both only work inside Spield's interface, composability has failed.
ALT Two matte modular tiles fit into a larger wooden structure, with an empty socket beside them and open space beyond. The physical arrangement suggests reusable building blocks whose value comes from what others build with them.
Spield’s YT is like owning the rent, not the house. It gives you future variable Blend yield, not the USDC principal. If yield falls, your income falls.
At maturity, YT can decay to zero. It’s a yield view, not a savings product.
@BuildOnStellar @StellarGlobal_ @StellarOrg
🤖 Made with AI
Stop buying “fixed yield” that isn’t fixed.
Most DeFi fixed-rate products are just optimism wearing a suit.
They invent an index.
They model an APY.
They show you a clean number… then quietly hope the underlying yield shows up.
You think you’re locking in certainty.
You’re actually buying hidden risk with better marketing.
Spield does the opposite.
Real yield. Real backing. Zero pretend.
The yield source is actual on-chain Blend lending yield, live USDC earning real rates right now.
No estimated APY.
No optimistic model.
No “trust the curve.”
We simply split the position the way fixed income is supposed to work:
PT = the principal claim (redeems 1:1 at maturity)
YT = the pure yield claim (receives the actual yield stream)
Want certainty? Hold PT or deposit into the Fixed-Rate Vault.
Want upside on future rates? Hold YT.
The market prices the difference between locked yield and expected future yield — cleanly, transparently.
Solvent by construction
This is the part that actually matters:
Every dollar of issued value is backed by real underlying value.
Not “the model says it works.”
Not “APY should be there.”
Not “trust us.”
Real USDC.
Real on-chain yield.
Real accounting that follows the underlying mechanics.
That’s what “solvent by construction” means.
The risks are still real — and we name them
Smart contract risk.
Blend dependency risk.
Liquidity risk before maturity.
YT underperformance.
Mark-to-market risk if you sell PT early.
We don’t hide them.
We put them in the open because the core promise should never need camouflage.
Fixed income in DeFi only becomes real when the fixed rate is supported by actual yield, not marketing yield.
That’s the standard we’re building on Stellar.
Real yield. Real solvency. No theater.
🤖 Made with AI
