Frequently Asked Questions

yoXYZ currently supports a growing range of assets across multiple blockchain networks:

• yoUSD — Stablecoin vault on Base, currently yielding ~17%
• yoETH — Ethereum vault on Base, currently yielding ~13%
• yoBTC — Bitcoin vault on Base, currently yielding ~11%
• yoSOL — Solana vault on Solana network, currently yielding ~6%
• yoGOLD — Gold-backed vault on Ethereum, currently yielding ~11%
• yoEUR — Euro stablecoin vault on Base, currently yielding ~12%

The protocol is actively expanding to new chains and assets. Check the app dashboard for the latest supported vaults.

Getting started with yoXYZ is straightforward:

• Visit yo-xyz.net and connect your wallet (MetaMask, Coinbase Wallet, WalletConnect, and more are supported).
• Choose a vault that matches your preferred asset — yoUSD, yoETH, yoBTC, yoSOL, yoGOLD, or yoEUR.
• Enter the amount you'd like to deposit and confirm the transaction.
• Your funds are now working for you. yoXYZ will automatically optimize yield across protocols and chains.

There is no minimum deposit requirement. You start earning yield immediately after your deposit is confirmed on-chain.

yoXYZ achieves superior yields through several key advantages:

• Multi-chain reach: Unlike single-chain optimizers, yoXYZ can access yield opportunities across Ethereum, Base, Solana, and more simultaneously.
• Real-time rebalancing: The protocol continuously monitors rates across dozens of DeFi protocols and automatically moves funds to maximize returns.
• Risk-adjusted optimization: yoXYZ doesn't just chase the highest APY — it factors in smart contract risk, liquidity depth, and protocol credibility to find the best risk-adjusted yield.
• Protocol aggregation: By aggregating capital across lending markets, liquidity pools, and yield strategies, yoXYZ unlocks efficiencies unavailable to individual users.

In addition to base yield, yoXYZ depositors earn $YO token rewards — the native governance and rewards token of the protocol.

To earn $YO rewards:

• Simply deposit into any eligible yoXYZ vault.
• Rewards accrue automatically over time proportional to your share of the vault.
• Some vaults also offer bonus multiplier rewards such as 5x Fusion points for yoGOLD depositors.

$YO rewards are separate from — and on top of — the yield generated by the underlying DeFi strategies. Visit the Rewards page to track your earnings and learn about upcoming reward campaigns.

The APY figures displayed on the yoXYZ app are estimates based on current market conditions and are not guaranteed. DeFi yields are inherently variable and change as market dynamics evolve.

yoXYZ continuously optimizes to maximize your yield, but actual returns will fluctuate based on:

• Market-wide demand for borrowing and liquidity
• Protocol-level incentive programs starting or ending
• Changes in the total value locked (TVL) in each vault
• Gas costs and rebalancing frequency on each chain

Historically, yoXYZ vaults have consistently outperformed comparable manual strategies, but past performance does not guarantee future results.

Security is the top priority at yoXYZ. The protocol employs multiple layers of protection:

• Audited smart contracts: All yoXYZ smart contracts have been audited by independent security firms. Audit reports are publicly available.
• Non-custodial architecture: yoXYZ never takes custody of your funds. Assets are held in on-chain smart contracts that you can verify at any time.
• Risk scoring: Each underlying protocol is assessed for smart contract risk, liquidity risk, and operational risk before funds are allocated.
• Conservative strategy selection: yoXYZ prioritizes battle-tested protocols with proven track records over high-risk, high-reward opportunities.

Read the yoXYZ Whitepaper and review audit reports in the documentation for full technical details.

As with all DeFi protocols, using yoXYZ involves risks that users should understand:

• Smart contract risk: Despite audits, vulnerabilities could exist in yoXYZ's contracts or in underlying protocols.
• Market risk: Yields are variable and may decrease. Non-stablecoin vaults (yoETH, yoBTC, yoSOL) are also subject to the price volatility of the underlying asset.
• Underlying protocol risk: yoXYZ allocates to third-party DeFi protocols. Exploits or failures in those protocols could affect returns.
• Withdrawal fees: Some vaults may have temporary withdrawal fees. For example, yoUSD currently charges a 2.95% withdrawal fee matching its RLP exposure.

Always invest only what you can afford to lose in DeFi, and review the risk disclosures in the Terms of Service.

Yes. yoXYZ is a non-custodial protocol with no lockup periods. You can withdraw your funds at any time by connecting your wallet to the app and initiating a withdrawal from your vault.

Important withdrawal considerations:

• Withdrawals are processed on-chain and subject to standard network gas fees.
• Some vaults have temporary withdrawal fees — for example, yoUSD currently has a 2.95% fee tied to its RLP exposure. This fee benefits long-term depositors.
• Withdrawal amounts are calculated based on your vault token (yoUSD, yoETH, etc.) balance at the time of withdrawal.

Always check the current vault conditions on the yoXYZ app before withdrawing.

When you deposit into a yoXYZ vault, you receive vault receipt tokens (like yoUSD, yoETH, yoBTC, etc.) in return. These tokens represent your proportional share of the vault.

Key properties of yoXYZ vault tokens:

• Auto-compounding: The value of your vault tokens increases over time as the vault earns yield — no manual claiming needed.
• Fully redeemable: You can always redeem your vault tokens back for the underlying asset plus accumulated yield.
• Composable: yoXYZ vault tokens can be used as collateral or in other DeFi protocols, enabling additional yield stacking.
• Transparent: The exchange rate between vault tokens and underlying assets is always verifiable on-chain.

Yes. yoXYZ provides a fully-featured developer SDK to allow builders to integrate yoXYZ vaults into their own applications.

• YO SDK: Available on npm as @yo-protocol/core, it provides easy access to vault contracts, yield data, and transaction helpers.
• Documentation: Comprehensive developer docs are available at docs.yo.xyz.
• Build with yoXYZ: Interested in building on top of the protocol? Visit yo.xyz/build to learn about partnership opportunities.

The yoXYZ protocol is open and composable — designed for builders to create new DeFi products powered by optimized yield infrastructure.

The yoXYZ team is active across multiple channels and welcomes community participation:

• Telegram: t.me/yo_protocol — fastest response for support questions
• Discord: discord.gg/yoprotocol — community discussions, announcements, and support
• Twitter/X: @yield — protocol news and updates
• GitHub: github.com/yoprotocol — open source code and issue tracking
• Blog: yo.xyz/blog — in-depth articles and protocol updates

You can also submit feedback directly through the Feedback button in the yoXYZ app. The team reviews all submissions and uses them to guide product development.

yoXYZ protocol statistics are available through multiple sources for full transparency:

• yoXYZ App: The main dashboard at yo-xyz.net displays real-time TVL (currently over $70M), live yields, and recent deposits.
• DeFiLlama: Track yoXYZ TVL history on DeFiLlama — the leading DeFi analytics platform.
• Exponential.fi: In-depth protocol risk and yield analysis at Exponential.fi.
• Block explorers: All yoXYZ vault transactions are fully on-chain and verifiable on Etherscan, Basescan, and Solscan.