YO

Having trouble finding the right infrastructure?

Request a free consultation

Let’s Talk

Having trouble finding the right infrastructure?

Request a free consultation

Let’s Talk
COMPANY detail

YO
The yield engine for the crypto economy

/

Card Fallback

YO

Company Overview.

Year Founded 2021
Status Private
Specialties DeFi, Staking
Company Size 11-50 Employees
Industry Software Development
Location San Francisco, USA

Description.

YO (Yield Optimizer) is a DeFi yield protocol that provides ERC-4626 vaults across Ethereum, Base, Arbitrum, and Solana, automatically routing user deposits across 50+ DeFi protocols with continuous risk-adjusted optimization powered by a proprietary Risk Graph. The company was founded in 2021 and rebranded from Exponential.fi to YO in 2025, maintaining the Exponential.fi risk rating framework as the underwriting engine for its vault allocations. YO offers 8 vaults — yoUSD, yoETH, yoBTC, yoEUR, yoGOLD, yoUSDT, yoSOL, and yoloUSD — covering major crypto assets and stablecoins with low, moderate, and higher-risk profiles. Co-founded by Mid Lebbar (CIO) and Omar Darwazah, YO Labs is headquartered in San Francisco with offices across 10+ locations globally, employing approximately 39 people. Notable integrations include Bleap (crypto card/neobank), Axal (wealth management), and Enso/Portals.fi (routing partners).

Key Infrastructure.

ERC-4626 Yield Vaults (8 Vaults)
ERC-4626 Yield Vaults (8 Vaults)
A suite of eight ERC-4626-compliant vaults covering major crypto assets — yoETH, yoBTC, yoUSD, yoEUR, yoGOLD, yoUSDT, yoSOL, and yoloUSD — each automatically routing deposits across 50+ audited DeFi protocols with continuous rebalancing to maximize risk-adjusted yield.
All deposits and redemptions route through a single Gateway contract (0xF1EeE0957267b1A474323Ff9CfF7719E964969FA) ensuring standardized execution across every vault, with both instant and queued redemption mechanisms.
Risk Graph (Risk Intelligence Engine)
Risk Graph (Risk Intelligence Engine)
A proprietary risk assessment system that models the full dependency stack of every DeFi pool, asset, protocol, and chain — assigning letter grades (A-F) based on everything a position touches, not just its surface risk.
Released as a public API in May 2026, it is paid via x402 over USDC on Base with no API key or subscription required, and designed for agentic workflows with an llms.txt endpoint for AI consumption.
Cross-Chain Gateway & Prepared Transaction System
Cross-Chain Gateway & Prepared Transaction System
A unified deposit and redeem architecture where all user actions flow through a single Gateway contract address on each supported chain — the Gateway handles approval routing, vault selection, and asset settlement.
The SDK provides both direct execution (depositWithApproval, redeem) and prepared transaction modes (prepareDeposit, prepareRedeem) for Safe multisig and Account Abstraction wallets, enabling institutional custody and batched transaction workflows.
Multi-Protocol Yield Aggregation Engine
Multi-Protocol Yield Aggregation Engine
An automated yield routing engine that connects to 50+ DeFi protocols including Morpho, Aave, Compound, Spark, Pendle, and protocol_fx (fxSAVE), continuously rebalancing allocations based on real-time APY data and risk scores — the engine surfaces yield through both conservative vaults (yoUSD, low risk) and more aggressive strategies (yoloUSD, moderate risk targeting ~9% APY) with full transparency into underlying protocol allocations.
Partner SDK & Revenue Sharing
Partner SDK & Revenue Sharing
A TypeScript SDK (@yo-protocol/core) providing full programmatic access to the YO Protocol including vault reads, user positions, deposit/redeem flows, Merkl rewards, and gateway quotes — every deposit and redeem transaction includes a configurable partnerId for attribution and revenue sharing, with a default value of 9999 for unattributed traffic.
Partners like Bleap and Axal use the SDK to embed YO vaults directly into their apps while earning revenue share on user activity.

Additional Features.

Instant & Queued Redemptions
Redeems can be instant (assets received immediately) or queued (via request ID); users can track pending status via getPendingRedemptions.
Slippage-Protected Transactions
All deposits and redeems include configurable slippage tolerance (default 50 bps) with minSharesOut/minAssetsOut protections.
Vault Performance Analytics
REST API provides vault snapshots (TVL, yield history, share price), user P&L tracking, and transaction history via getVaultSnapshot and getUserPerformance.
Covered Yield via OpenCover
YoETH vault offers covered yield through OpenCover insurance integration — users earn 11.58% covered APY by insuring against protocol hacks, oracle manipulation, and governance attacks.
Multi-Chain Vault Addresses
Each vault's underlying token addresses differ per chain — SDK's VAULTS registry automatically resolves the correct address for each chainId.
Discourse Governance Forum
Community governance discussions hosted at forum.yo.xyz, following the decentralized protocol model with transparent upgrade proposals.

General Questions.

YO (Yield Optimizer) is a DeFi protocol offering ERC-4626 yield vaults that automatically route user deposits across 50+ DeFi protocols with continuous risk-adjusted optimization. Users deposit assets like ETH, BTC, USDC, and SOL into vaults that handle yield sourcing, rebalancing, and compounding automatically. The protocol is non-custodial — users always retain control of their assets.

Primarily retail crypto users who want automated yield without managing individual DeFi positions. B2B2C clients include Bleap (crypto card/neobank app that integrated YO vaults for its users) and Axal (wealth management platform using yoUSD for its USDC strategy). The SDK and partner program enable other apps to embed YO vaults.

YO is a non-custodial DeFi protocol — users interact via self-custodial wallets and smart contracts. As a decentralized protocol, it does not appear to hold specific financial licenses. The operating entity (YO Labs) is a private company headquartered in San Francisco but incorporation jurisdiction is not publicly disclosed.

YO vaults are deployed on Ethereum, Base, Arbitrum, and Solana (with Unichain, TAC, Plasma, and HyperEVM referenced in the API). Stablecoin vaults include yoUSD (USDC), yoUSDT (USDT), yoEUR (EURC), and yoGOLD (XAUt/tokenized gold). yoloUSD is a moderate-risk USDC vault targeting ~9% APY.

Unverified Team

This company has not yet been verified by TODEY team. Information may be incomplete or outdated. If you represent this company, get in touch to claim and verify your profile.

Learn More