How does it work?
yoUSD posts lending offers to the Morpho Midnight order book, each with a fixed rate and a term of up to 60 days. The YO Midnight engine prices every offer above the variable rate, so depositors get paid extra for committing capital to a set duration.
While an offer waits, the USDC stays in the cbBTC/USDC market on Morpho Blue, earning variable yield.
When a borrower takes the offer, the capital is reallocated automatically: funds leave the cbBTC/USDC market and settle the loan in the same transaction. From that block until maturity, the rate stays fixed.
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Got ethereum:0xdac17f958d2ee523a2206206994597c13d831ec7?
The yoUSD vault supports native Ethereum deposits, and handles bridging and swapping in the background from other supported chains like @base, @avax, and @Optimism.
No headache, no extra steps. Your only task is clicking deposit.
Deposit your idle USDT today and earn 6.82% from low-risk, blue-chip strategies:
app.yo.xyz/vault/base/yousd
Guilty as charged.
YO shoulders the complexity so your Earn experience stays simple.
Since the team reassessed risk across every yoVault, the V2 upgrade has made YO’s risk watching and yield delivery stronger than ever.
✅ Yield, optimized.
✅ Risk, accounted for.
just wanted to let you know
all the amazing @yield you might be missing out on
is in the YO app
7.8% native yield on USD stablecoins
4.5% native yield on EUR stablecoins
its a glYObal phenomenon
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Cover on yoUSD now costs 62% less than it did earlier this year.
The premium on @OpenCover's Covered yoUSD vault is 1.52% a year, down from 3.96%.
Depositors earn 5.96% after the premium, paid directly from yield (no upfront cost), with @NexusMutual underwriting. YOpencover.
Stake your yoUSD shares into OpenCover's vault and your coverage begins. Unstake and it ends, no fixed terms.
Coverage spans smart contract exploits, oracle failures, governance takeovers, and failed liquidations across YO and yoUSD's Morpho markets: cbBTC/USDC and WETH/USDC on Base, wstETH/USDT on Ethereum.
The terms are, as always, transparent and public: 70% of your position is covered, with a 4% deductible on eligible losses.
Insure your yoUSD yield today with OpenCover: opencover.com/vaults/base
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You sold the top and now hold a stack of idle stablecoins. Good work.
Next step: earn 9% APY on them by lending to the YO Ecosystem Vault, managed by @kpk_io agents that can de-risk in seconds if risk signals trip.
Automated peace of mind for your yield:
app.morpho.org/ethereum/vaul…
Enter the YOrozone and put your euros to work with the yoEUR vault:
app.yo.xyz/vault/base/yoeur/…
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The kind of signal you have to dig deep to find 🔎
This market is also part of the magic behind the yoUSD Vault's yield, today earning 5% native APY + 2% rewards.
YO is a lender to this market, and today it's paying 8.12%.
Bullish yield. 🐂
app.yo.xyz
Retail is feeling bullish. @Morpho 's cbBTC/USDC market on Base is at 93% utilization and borrowers paying 12%+ at the moment
There are thousands of borrowers here and the top 10 account for 8% of the debt= a true competitive market.
Market supply is up 20%+ in the last 90d and borrowers can't get enough
Early birds are getting the worm. 🪱🐦
YO users looping yoUSD & yoUSD Edge through the Ecosystem Vault are still feasting, earning max ROEs of 34% to 35%.
There's plenty left in the nest, and borrow rates remain low, but utilization rates are climbing 📈
Get looping and chow down on good yield:
yoUSD: app.yo.xyz/vault/ethereum/yo…
yoUSD Edge: app.yo.xyz/vault/ethereum/yo…
How fast can YO pull assets out of an at-risk position?
The team tested the same emergency exit its live risk controls use on four chains and timed it.
Median result: 12 seconds or less on every chain.
FOUR MORE LOOPS!
Or Seven. It's your right to choose.
Whichever side you're on, everyone can agree: idle stables are bad policy.
🟩yoUSD → up to 7x leverage w/ a 37% max ROE
⚡️yoUSD Edge → up to 4x leverage w/ a 39% max ROE
Make yield great again? Yes YO can.
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Exercise your right to earn onchain.
Loop yoUSD: app.yo.xyz/vault/ethereum/yo…
Loop yoUSD Edge: app.yo.xyz/vault/ethereum/yo…
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Loop
/lüp/
noun
A shape, path, or process where a line, movement, or signal curves around and connects or returns to its starting point.
verb: looped, looping, loops
To deposit an asset, borrow against it, and redeposit the borrowed funds, repeating until the position reaches a target leverage.
→ “Today, I looped yoUSD to 7x for a max ROE of 50%.”
→ “Suzy looped yoUSD Edge to 4x for one month and came back $302 richer on a $10K deposit.”
Synonyms: compound, multiply, earn more.
Antonyms: idle, sidelined, ngmi.
Look it up in the dictiYOnary yourself.
yoUSD looping: app.yo.xyz/vault/ethereum/yo…
yoUSD Edge looping: app.yo.xyz/vault/ethereum/yo…
Bröther, may I have some lööps?
Yes, yes you can.
And for a borrow rate of only 0.9% - 1.3%.
Loop yoUSD up to 7x for a 50% max ROE.
Loop yoUSD Edge up to 4x for 35% max ROE.
Enough said. The lööps are plentiful today.
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Get your lööps here 👇
yoUSD: app.yo.xyz/vault/ethereum/yo…
yoUSD Edge: app.yo.xyz/vault/ethereum/yo…
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Grab the red leather. The YOverse is putting on a THRILLER. 🧟♂️
The funk of $1M USDC available for looping hangs heavy in the air.
The apparition of 7x leverage drifts across the yoUSD market, while yoUSD Edge’s shallow grave stirs with 4x.
Don’t fear the yield. Embrace it.
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Shuffle & moonwalk your way to a max ROE of 34% today.
Loop yoUSD: app.yo.xyz/vault/ethereum/yo…
Loop yoUSD Edge: app.yo.xyz/vault/ethereum/yo…
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They’re coming to borrow it, Barbara. 🧟♂️🪦
Officials confirm loopers are converging on the YO Ecosystem Vault, where ~$300K in USDC is available at a borrow rate between 0.9% - 1.3%.
Residents are advised to loop yoUSD up to 7x, yoUSD Edge up to 4x, or lend USDC at 9% APY.
Further updates as the night unfolds.
Take shelter in the basement (YO Ecosystem Vault): app.morpho.org/ethereum/vaul…
...board up the farmhouse (loop yoUSD): app.yo.xyz/vault/ethereum/yo…
...or make a run for the truck (loop yoUSD Edge): app.yo.xyz/vault/ethereum/yo…
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