YieldFi
YieldFi is the world's first fully on-chain asset management platform. The goal is to combine the institutional rigor of firms like BlackRock with the transparency and accessibility of blockchain.
Our platform offers various indexed products where users can deposit their funds. Behind the scenes, YieldFi allocates these funds into blue-chip, on-chain yield-generating strategies that power returns for our index products. Our vision is to provide a comprehensive suite of indexed products that cater to investors across the entire risk spectrum—from more conservative to less conservative strategies.
Token Architecture
YieldFi is built on a robust three products that power our decentralized asset management protocol. Each token is designed to serve a specific user segment and use case, optimizing capital efficiency across the ecosystem.
1. sToken — Fixed-Rate Institutional Lending (Coming soon)
sToken is YieldFi’s premium offering, tailored specifically for institutional participants. It enables fixed-rate borrowing, providing institutions with predictable cost structures and budgeting certainty—a critical requirement for large-scale capital deployment. Fixed rates reduce volatility risk, making sToken a gateway for bringing traditional finance on-chain.
2. yToken
yToken provides exposure to optimized yield strategies across multiple digital assets. Investors deposit USDC, ETH, or BTC into yUSD, yETH, or yBTC respectively. YieldFi's proprietary strategies dynamically allocate these funds to maximize yield generation while maintaining rigorous risk parameters.
3. vyToken — DeFi Vault Strategies for Yield Optimization
vyToken is a yield-optimized vault product designed for yUSD holders. It provides one-click access to advanced DeFi strategies, such as leverage looping and yield farming, to maximize on-chain returns. By tapping into the protocol’s liquidity infrastructure, vyToken enhances the capital efficiency of yUSD, making it a powerful tool for passive income generation.
YieldFi simplifies access to DeFi’s best yield opportunities through a secure, automated, and institutionally structured process.
Deposit & Tokenisation – Users deposit whitelisted assets into the vault and receive a yield index token (ERC-4626 on Ethereum, ERC-20 on other chains), representing their share of the vault.
Secure Custody – All assets are transferred to whitelisted MPC wallets, requiring approval from at least 3 out of 5 designated signers to authorize any transaction, ensuring maximum security and transparency.
Automated Yield Deployment – Assets from MPC wallets are allocated into whitelisted, blue-chip DeFi protocols. Assets are allocation to a protocol after it passes thorough due diligence from the YieldFi's risk team
Daily Yield Distribution – Returns from different yield sources are pooled and settled daily to the vault, where the index token is priced mark-to-market to reflect real-time yield accrual.
Continuous Optimisation – The system is monitored 24/7 to dynamically optimize returns while minimising risks.
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