intern @yield | indoor yield farmooor & yoptimizooor
The YOverse
Joined April 2025
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the YO engine + @kpk_io's live monitoring, automated agents, and battle-tested vault management exp?
plus 9% for USDC lenders?
AND up to 32% ROE for yoUSD Edge loopers?
*chefs kiss*🤌 intern couldn't have asked for more.
now go forth and lend, loop, and earn!
...the @yield Ecosystem Vault just crossed $1 million TVL.
but what's happening? yoUSD market utilization is 69% while yoUSD Edge is only 7%!
you weirdos are choosing the more conservative yoUSD market to loop up to 7x!
is it because there is more leverage available? is it because the yield sources are lower risk? TELL ME!
gee wilikers! that's some good return on USDC deposits.
now take me back to 1950 so i can buy a 4 bedroom house for one year's worth of @yield.
apparently yield is boring. earning is boring. saving is boring.
anything that isnt a 10000x hit of adrenaline via degenerate onchain nonsense is apparently boring.
@itstuyo struck gold with BNPM. It got everyone talking.
but what came before that was an absolute blessing of a platform powered by everyday crypto<>fiat use cases across multiple currencies.
not at all a step back IMO, because Tuyo is still one of the best in the space doing what they do.
oh, and @yield helps their users earn. 🤓
we’re shutting down @itstuyo’s buy now, pay maybe on october 31. wanted to explain why directly, so i recorded this.
i’m proud we built it. seeing people post screenshots of their banking app because it made them happy was incredible. we spent months fighting for it and trying to make it sustainable, but never quite found the right balance.
starting nov 1st, tuyo will have the most boring and honest cashback in the world. 1.5%, globally. no caps, no minimums, no categories, no membership.
there’s a lot more we want to build at tuyo, and this gives us the focus to do it. excited to show you what i mean over the next few days.
THIS IS WHAT THEY TOOK FROM YOU! 😡💢
a house, a lawn, and a savings account that actually saved.
YO is bringing back classic Americana, frens. come move in with us and @kpk_io to 42069 @morpho Lane.
AT LAST! A Home Where Your USDC Earns 9% APY!
Say hello to the YO Ecosystem Vault, the newest address on Morpho Lane.
Built by two of DeFi’s finest families:
★ @kpk_io, curating onchain capital since 2020, with over $8 billion deployed and zero funds lost
★ YO, today's modern yield engine, with every position graded by the YO Risk Graph and a closed-loop V2 design checked by nine independent security firms
Inside, you’ll find all the latest conveniences! KPK’s automatic agents keep the USDC moving across yoUSD and yoUSD Edge markets as the loopers come and go, so you never have to lift a finger.
...and for the thrifty saver, a real treat: supply your USDC and earn 9% APY!
Stop by the YO Ecosystem Vault today.
Your dollars will feel right at home.
this episode gives you that feeling of kicking back in your leather recliner in the study, lighting up a stogie, sipping some cognac, and listening to smooth jazz.
if you like @yield, make sure to check out @portals_fi for their fantastic comprehensive DeFi yield dashboard and developer portal.
A yield optimizer should show you where capital goes and constrain where it can't
🎙️ @0scaronchain, Founding Member, @yield, joins The DeFi Drop to unpack:
• YO V2's closed-loop architecture
• The Ecosystem Vault, curated by @kpk_io
• Its Risk Graph for devs and AI agents
entering my TeslYO era.
thanks for the notes, @elonmusk. lmk if you need a place to park your crypto so it can earn some real @yield.
ALT torsYO
USDC borrow rates for looping w/ @yield:
→ yoUSD = 0.85%
→ yoUSD Edge = 1.58%
that’s incredibly cheap, considering some of the larger markets across DeFi are currently anywhere between 4.3% to 7%.
yessir, dirt cheap to loop a couple dollars.
say a $10K deposit into yoUSD w/ 5x leverage (1.08 health):
= $40K borrowed = $0.93/day or $28/month cost to borrow
if you loop for a month, using a consistent ~30% ROE:
> yoUSD yield on $50K = $6.40/day or $195/month
> + $YO rewards (2% x 5 = 10% ROE) = $2.74/day or $83/month
> - borrow cost = $0.93/day or $28/month
= +$8.21/day or +$250/month
For comparison, the same $10,000 in yoUSD without looping earns about $56 a month: $39 native plus $17 in rewards.
yeah, i'd say it pays to loop with YO.
the great thing about interning at @yield is I get to bother multiple teams with poor takes and bad questions: product, bd, marketing...
but there's one team I don't bother. also partly because they speak another language, but because i'm constantly awestruck by their skills.
yieldy🫶YO devs.
oo lala! 💁♂️ our frens at @kpk_io are rolling up their sleeves to make euro yield great again!
my christmas wishlist now includes more efficient EURC bridges and more EURe liquidity.
New vault: compliant, diversified euro yield onchain 🇪🇺
KPK’s EURe Yield vault on @arbitrum puts @monerium’s MiCAR-regulated EURe to work across lending markets on Morpho, curated and monitored 24/7 by KPK.
Live now, with rewards for early depositors by @merkl_xyz
air ser @yield, thy damsel the intern hath read all the scrolls (docs) and wept with joy at the 48-hour timelock. the sword, the shield, the Risk Graph constellation.
thy loins doth quiver.
more to come... gud tek
Updates on the space of yield destinations
1. @yield
+ YO V2 went live on Oct 5. Vaults now use fixed adapters, with bridges limited by asset and destination
+ Upgrades have a 48-hour delay, plus oracle guards and price impact checks
➜ More of a safety upgrade than an APY update. Fund routing is simply tighter now.
2. @Lombard_Finance
+ By Sep 30, 1,353.6 BTC, around $113m or 16% of LBTC backing, was running Bitwise’s covered-call strategy
+ September net APY rose from 0.04% to 0.38%
+ I like the move from rewards to options premium. It’s BTC earning yield on BTC, though strong upside can be capped.
3. @pendle_fi
+ STRC-linked assets once passed $500m on Pendle, while PT-USDat offered around 9.5% fixed yield
+ Re markets reached $240.7m TVL, USDG incentives also reached 12.66% APY on X Layer
➜ I still prefer PT here, fixed yield is easier to price than farming YT and points.
4. @EmberProtocol
+ @yield_xyz added Ember vaults to its API on Oct 6, including PPLUS and ember-earn
+ PPLUS offered around 16% supply yield, while max looping at 70% LTV could push APY near 35%
+ That 35% comes with leverage, base yield and leveraged yield are two very different things
5. @ethena
+ Ethena has generated around $1.04b in yield since launch. sUSDe was around 4.9-5.0% in early October
+ ENA’s fee switch kicks in once 14-day average USDe supply passes $7.5b
+ For now, I’m watching the ~5% sUSDe yield. The fee switch is an ENA catalyst, not extra sUSDe APY
6. @USDDecentralize
+ New incentives include 600k USDD on JustLend, 700k via Binance Wallet and 138k on Gate DEX
+ PT-sUSDD can also be used as collateral on Morpho and Oku
Overall sentiments
Most of the higher APYs still rely on incentives, so I’d watch what remains once those campaigns end.
Overall, yield is moving beyond simple emissions into options, fixed rates, credit and basis trades.
NFA so DYOR well!
Yeap.... I'm legit...
YOverse PSA:
There are a number of YO impersonators and copycats popping up.
Want to make sure you are dealing with official YO comms & team members? Verify those accounts using this new verification tool.
app.yo.xyz/verify
just making my rounds through @token2049, telling ppl about @yield.
that $10 t-shirt line was crazy tho. might have to make a popup for YO merch in the alley; capitalism at its finest.
there's so many things going on behind the scene on how a vault gain its yield but you don't have to go wrecking your brain all the time..
YO keeps it simple...
Just deposit and spend your time on better things in life..
Chase that side quest you always wanted to chase and let @yield handle your main quest...
happy to see this.
ofc USD will probably always be the defacto currency and focus for yield-generating stablecoin assets, but non-USD markets need their time in the sun to grow.
the euro might be getting clobbered lately, but there is @yield to be had, and its gud.
Non-USD yield is (very) slowly becoming a thing, so we're broadening our dashboard to cover the category in more depth.
Keep an eye out for new listings, and chat me talking about it at @Vault__Summit!
YOOOOOOO(v2)!
All intern silliness aside, this is the culmination of intense research, planning, testing, and bigbrained development of the entier @yield team.
Proud to be aboard this ship, because onchain yield needs a shakedown and YO is that decentralized protocol to do it.
