Yo Protocol
Lending app — deposit your token, earn interest from people who borrow it.
77% on Base · also on 2 other chains
Chains
3
Live yield options
15
Best reward rate
6.4%
Live since
2025
Where it runs
Available on 3 chains
Earn here · live yield options
Yields available on Yo Protocol
15 live options — yields range 2.6% to 6.4% per year, with a median of 4.31%.
-
01
yo-protocol - USDC Base
USDC
Reward
4.31%
→Pool size
$9.69Million
-
02
yo-protocol - WETH Base
WETH
Reward
2.6%
→Pool size
$9.04Million
-
03
yo-protocol - CBBTC Base
CBBTC
Reward
—
→Pool size
$6.26Million
-
04
yo-protocol - XAUT Ethereum
XAUT
Reward
—
→Pool size
$2.26Million
-
05
yo-protocol - USDC Ethereum
USDC
Reward
4.31%
→Pool size
$1.84Million
-
06
yo-protocol - WETH Ethereum
WETH
Reward
2.6%
→Pool size
$1.46Million
All 15 yield options on Yo Protocol Expand →
| Option | Chain | Reward | Pool size |
|---|---|---|---|
| yo-protocol - USDC | Base | 4.31% | $9.69Million |
| yo-protocol - WETH | Base | 2.6% | $9.04Million |
| yo-protocol - CBBTC | Base | 0.0% | $6.26Million |
| yo-protocol - XAUT | Ethereum | 0.0% | $2.26Million |
| yo-protocol - USDC | Ethereum | 4.31% | $1.84Million |
| yo-protocol - WETH | Ethereum | 2.6% | $1.46Million |
| yo-protocol - CBBTC | Ethereum | 0.0% | $1.25Million |
| yo-protocol - USDC | Base | 6.4% | $1.12Million |
| yo-protocol - EURC | Base | 3.52% | $561Thousand |
| yo-protocol - SOL | Solana | 5.34% | $527Thousand |
| yo-protocol - USDC | Arbitrum | 4.31% | $233Thousand |
| yo-protocol - USDC | Arbitrum | 6.4% | $221Thousand |
| yo-protocol - EURC | Ethereum | 3.52% | $139Thousand |
| yo-protocol - USDC | Ethereum | 6.4% | $81.4Thousand |
| yo-protocol - USDT | Ethereum | 4.31% | $10.7Thousand |
How it works
Using Yo Protocol in three steps
-
1
Deposit your token
Pick a token you already hold, send it to the lending app's smart contract. You keep custody — your tokens just sit in a pool earning interest.
-
2
Earn interest
Other people borrow against your deposit. The interest they pay flows back to you, accruing in real time.
-
3
Withdraw whenever
No lock-up. You can pull your tokens (plus accrued interest) any time the pool has free liquidity.
Read up
About Yo Protocol
Description provided by the protocol team. Always verify directly before depositing funds.
Tokens earning here
Top tokens earning yield through Yo Protocol
Frequently asked
What people ask about Yo Protocol
What is Yo Protocol?
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Yo Protocol is an on-chain app. Lending app — deposit your token, earn interest from people who borrow it.
Is using Yo Protocol safe?
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Yo Protocol has 2 public audits on file. Audits help — they don't eliminate risk. Always check what tokens you're depositing and never put in more than you can afford to lose.
How much can I earn?
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Right now yields on Yo Protocol run 2.6%–6.4% per year, depending on which pool you pick and which chain you use. Rates change with demand.
Which chains does it run on?
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Yo Protocol runs on 3 chains, including Base, Ethereum, Solana. Each chain has its own fees and speeds — pick the one you already use.
Figures are reference values aggregated from public sources and refresh daily. Always confirm directly before depositing funds.
See also
Terms used on this page
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Smart Contract
Code on a blockchain that runs automatically when called. DeFi protocols are smart contracts — bugs in the code can lose user funds.
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Audit
An independent security review of a smart contract. More audits and longer track record reduce — but never eliminate — code risk.
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Impermanent Loss
A loss LP providers experience when the two pool tokens diverge in price. The loss only crystallises if you withdraw at that ratio.
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Oracle
An on-chain feed of off-chain data — usually prices. Lending and CDP protocols rely on oracles to liquidate positions correctly.
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TVL (Total Value Locked)
The total dollar value of assets currently deposited in a DeFi protocol. A rough proxy for adoption and trust.