Bitcoin-native liquidity protocol Yala today announced the launch of its PayFi Universe ecosystem, proposing the concept of "Hold Your Bitcoin, Buy Now, Pay Never", hoping to enable Bitcoin holders to rely on the earnings generated from their Bitcoin assets to meet daily consumption needs without selling their Bitcoin principal.
Core product: Yeti Card — Live on yield, without touching the principal
Yala's flagship product Yeti Card cryptocurrency card is the core entry point of the PayFi Universe, dedicated to achieving the vision of "living on Bitcoin yields" (Hold Your Bitcoin, Buy Now Pay Never):
Globally accepted: Supports all online and offline merchants that accept Visa or Mastercard
Mobile payment compatible: Fully supports Apple Pay and Google Pay
Multi-scenario design: Built for a seamless global consumption experience
Yala PayFi Universe: Opening a new Bitcoin lifestyle
Yala is building a complete BTC asset yield ecosystem, relying on its stablecoin $YU to create a closed loop of BTC → yield → consumption, achieving a 24/7 yield-generating DeFi + RWA ecosystem. Users can easily pay for daily expenses without liquidating BTC.
From DeFi yield strategies to RWA investment products, to one-click Lite Mode fixed income entry, Yala makes "earning on holdings and spending on earnings" accessible, truly realizing Bitcoin as a source of income and a cornerstone of daily life, from coffee purchases to business trips, from online shopping to investment management, forming a complete Bitcoin-native lifestyle ecosystem.
Yala will continue to expand the $YU ecosystem, integrating offline payment networks, online liquidity systems, and compliant stablecoin channels to fully implement Bitcoin yield-based consumption.
Technical architecture: Multi-mode product matrix supporting 24/7 yield generation
Yala has launched multiple product modes including Pro Mode, Lite Mode, and AI yield agent. Its system operates on the $YU stablecoin, a stablecoin over-collateralized by Bitcoin, whose solution greatly aligns with the concept of self-sovereignty emphasized by Bitcoin.
By integrating DeFi and real-world asset (RWA) protocols, users' over-collateralized Bitcoin can generate sustainable yields 24/7, with these earnings flowing directly into users' personal or business savings accounts, even supporting entire lifestyles, business trips, and operational expenses for small and medium enterprises.
Four major revenue engines, building the "Buy Now Pay Never" ecosystem
Yala's "Buy Now Pay Never" is supported by a powerful yield-generating ecosystem:
High potential DeFi yields: Collaborating with top DeFi protocols like Pendle to provide dual APR and Berries rewards, with expected returns of about 20% APY and early mining rewards of up to 100% APY
Institutional-grade RWA yields: Through the Yala RealYield structured product market, users can access compliant real-world asset opportunities previously only available to institutions
Triple reward liquidity: Providing liquidity to the Yala stable pool can earn triple rewards
Zero-threshold fixed income: In Yala Lite Mode, users only need to deposit $YU or $USDC with one click, and the AI agent automatically executes the investment strategy, providing a stable 12% annual yield, plus bonus points rewards—making stable and reliable income effortless
Strategic cooperative alliances, promoting global implementation
$YU stablecoin's product design naturally aligns with the lifestyle of "Living on your Bitcoin". To ensure a silky smooth user experience and ultra-secure sources of income, Yala is forming strategic alliances with multiple partners, including:
Well-known financial service provider trusted by global users
Leading payment partners
Top-tier security solution providers
Circle Alliance Program: Yala's participation in the Circle Alliance Program is significant. As the issuer of USDC, Circle holds an important position in the global stablecoin market, with its compliance and broad acceptance providing strong credibility for $YU. Since $YU can be exchanged for USDC at a 1:1 ratio for free, and USDC is widely accepted as a compliant payment channel, this partnership will greatly accelerate $YU's mainstream adoption and connect the market through broader compliant channels.
Alchemy Pay collaboration: This leading crypto payment gateway established in 2017 has its infrastructure covering over 300 payment channels in 173 countries globally. Through this collaboration, Alchemy Pay will provide technical support for the Yeti Card and fiat deposit and withdrawal services for $YU, allowing users to spend Bitcoin earnings at millions of merchants worldwide. $YU will be integrated into Alchemy Pay's comprehensive infrastructure, achieving seamless Bitcoin-supported consumption in traditional payment networks, helping to bring sovereign Bitcoin funds into mainstream commerce, truly realizing "Bitcoin-supported, globally spendable".
Solayer ecosystem integration: $YU will be integrated into Solayer's liquidity ecosystem, providing BTC yield opportunities for the Solayer Emerald Card, opening new avenues for yield deployment for users and expanding access to multiple premium payment platforms.
By integrating these mature infrastructures, Yala makes $YU a truly multifunctional asset, both consumable and supported by Bitcoin. Yala's core mission is to unlock capital efficiency for Bitcoin holders, allowing users to mint $YU backed by native Bitcoin through MetaMint, gaining portable liquidity without facing liquidation risks.
Industry analysis and future outlook
Yala emphasizes that its digital currency card Yeti Card is a consumption channel for achieving "living on Bitcoin", while $YU serves as a softer, digital income channel supporting the same vision.
In the future, Yala will continue to expand application scenarios in these two dimensions, promoting the concept of "earning on holdings, living on earnings" to deeply resonate with people.
By combining Yala's liquidity engine with collaborative infrastructure, $YU is no longer just a stablecoin; it becomes a bridge connecting on-chain yields with real-world consumption. The $YU ecosystem will continue to evolve, with new PayFi integrations and strategic partnerships in preparation, this growing network will provide users with more opportunities to live entirely on Bitcoin yields.
As large-scale applications advance, $YU will gradually achieve seamless flow between DeFi, payments, and real-world assets. Yala will continue to drive innovation, further expanding Bitcoin's role in global finance, and this is just the beginning.
Applications will open soon, please stay tuned for official updates
Yala will soon announce specific application dates and advises users to continue following official announcements @yalaorg.
As emphasized by the Yala team, "Hold Your Bitcoin, Buy Now Pay Never" is not just a slogan but the core vision of creating a Bitcoin-native lifestyle—allowing Bitcoin holders to achieve continuous yield and liquidity freedom without selling their Bitcoin.
Stay tuned for more updates.
