Once a terrifying BTCFi, it is back, and you just say whether it's scary or not.
$BTC investors face a long-standing dilemma:
Either steadfastly HODL, letting $BTC sit in the wallet and gather dust, waiting for appreciation.
Or painfully sell to participate in yield-generating projects, increasing turnover, but bearing project risks.
Now, this dilemma has a substantial alternative solution.
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Yala - It allows you to use BTC as collateral to borrow $YU stablecoins, then flexibly earn returns in various ecosystems like Solana and Ethereum, while maintaining long-term holdings of $BTC. Let's explore how Yala truly makes your $BTC 'move.'
‘Earning returns from $BTC’ rather than ‘providing returns for $BTC’ - Yala's revolutionary approach.
Traditional BTCFi platforms typically adopt the model of ‘providing returns for $BTC’:
You use $BTC to support the security services of other ecosystems (like $ETH's AVS), while you bear the risk of being slashed, and the returns you receive are often unstable and lack transparency, essentially turning $BTC into a ‘staking mining machine.’
Yala completely overturns this model, proposing a new paradigm of ‘earning returns from BTC’:
1) First, you will always maintain self-custody control of your $BTC.
2) Yala's CRSM (Collateral Risk Stability Mechanism) ensures system security.
3) Your $BTC can generate $YU stablecoins, which can be flexibly used in multi-chain DeFi.
4) Returns come directly from the internal structure of the BTC ecosystem.
5) Risks are contained within the system and will not be passed on to ordinary users.
In summary, three sentences:
Yala is a BTC-native liquidity platform that allows your$BTCto generate returns without selling.
You can use$BTCas collateral to borrow stablecoins$YU.Then you can use these$YUto invest and earn money in various DeFi protocols.
Throughout the process, your$BTCis still there; if it appreciates, you still profit while also earning DeFi returns, making it a win-win situation.
Yala Earn - Four ways to make $BTC 'produce money.'
After you mint $YU stablecoins with $BTC, Yala offers four different ways to make money to meet the needs of different users:
Stability Pool - The safest choice.
The stability pool is the cornerstone of the entire Yala ecosystem, ensuring that $YU always maintains a value peg of $1.
Its operation is also very simple:
Deposit $YU into the stability pool - Receive basic rewards from the stability pool - At the same time earn $YALA token incentives (currently with an APY of around 8-12%).
It's like a yield-enhanced bank deposit, with low risk but returns significantly higher than traditional financial products, making it suitable for large funds seeking stable investments, with a conservative strategy.
DeFi Marketplace - The most lucrative yields.
Yala's DeFi marketplace is like a supermarket aggregating all top DeFi protocols on Solana @Solana_zh.
Currently integrated with several popular projects such as Raydium, Kamino Finance, and RateX integration.
Here, you can provide funds in different liquidity pools, participate in various yield farming projects, use diverse lending protocols, and easily compare the expected returns of each project.
Additionally, it is more convenient as there is no need to switch back and forth between different protocols, saving users a lot of time and transaction fees.
Operations that used to require five different websites can now be completed on one page in Yala.
This strategy is the most aggressive and suitable for DeFi veterans.
Liquidity mining - High yield opportunities.
If you can accept higher risks for higher returns, Yala's Farming section allows you to invest $YU into carefully selected high-yield strategies to earn more returns.
Main advantages include:
1) Potential returns 2-3 times higher than the stability pool.
2) Can diversify investments across different strategy combinations.
3) Provide automatic compounding options, allowing returns to snowball.
4) Additional $YALA token rewards to prepare for future airdrops.
5) This is like a farmer meticulously cultivating to reap a bountiful harvest; putting in more effort naturally yields greater rewards.
This strategy has high returns but carries the risk of impermanent loss, suitable for DeFi players with some experience.
Real Yield - RWA investment.
RealYield is Yala's innovative feature that connects your $YU to investment opportunities in real-world assets (RWA), allowing your returns to be backed by tokenized physical assets such as real estate and government bonds.
Core features:
1) Access to high-quality assets that are difficult to invest in through traditional finance.
2) It has a more stable yield curve compared to pure crypto strategies.
3) Diversify risks across different asset classes to enhance portfolio stability.
4) Deeply integrated with top RWA protocols such as ACRED, JTRSY, Centrifuge, and Plume.
Imagine if you only need to hold $BTC to indirectly invest in global real estate, bonds, or even private equity markets, which is unimaginable for traditional ordinary investors.
This strategy is stable but offers relatively low returns, usually with an APY around 6-10%.
A new feature worth mentioning - Lite mode:
Just three steps to earn a stable annual yield of 12%.
For users who don't have time to delve into DeFi strategies, Yala has launched Lite mode - an entry-level product that makes investing extraordinarily simple.
Starting July 7, users can join the pre-deposit phase (FCFS) with just three simple steps:
1. Connect your wallet to the Yala platform at http://app.yala.org.
2. Convert assets ($BTC or other tokens) to $YU stablecoins.
3) One-click deposit of $YU into the Prime Invest smart investment pool.
The entire process is that smooth.
After completing these three steps, you will start earning about 12% annual yield, and you won't need to understand complex DeFi mechanisms or constantly monitor your positions.
Cross-chain, cross-protocol yield cube:
Yala's DeFi composability.
One of Yala's most powerful features is its composability - capable of seamlessly collaborating with other DeFi protocols to create multi-layered yield opportunities.
Yala + RateX: A yield enhancer with double rewards.
Yala + Kamino/Raydium: An enhanced version of liquidity mining.
Different DeFi protocols can be combined like Lego blocks, creating greater yields for users.
Core product mechanism - Balancing safety and yield.
The Yala team understands that for $BTC holders, safety is always the top priority.
Here’s how they integrate security into every aspect of the protocol:
1) Multi-layer risk management system.
2) Excessive collateral requirements (usually between 130%-150%) protect the system from market volatility.
3) CRSM (Collateral Risk Stability Mechanism) monitors and adjusts the system's health in real-time.
4) Transparent tiered liquidation process ensures smooth operation even under extreme market conditions.
5) User-selectable self-custody mode ensures you always control your assets.
It's like providing multiple layers of insurance for users' funds to ensure safe operation in various market conditions.
Yala's system design philosophy is: better to sacrifice some efficiency than to compromise on security.
Top-tier capital and technical backing.
Yala has currently received strong support from top institutions in the industry:
Seed round financing led by Polychain Capital and Ethereal Ventures completed in Q3 2024.
Strategic support from the Solana Foundation obtained in Q2 2025.
The team consists of experts from Bitcoin core developers, top DeFi projects, and traditional finance.
With such strong financial and technical backing, Yala has the capability to build a truly sustainable Bitcoin liquidity infrastructure.
Future outlook:
Redefining the productivity of BTC.
Yala is redefining the way BTC is used, upgrading $BTC from a mere 'digital gold' to an 'income-generating asset.'
As the Yala team states: ‘Our goal is not to create another DeFi project, but to build an infrastructure that truly unlocks the potential of Bitcoin, allowing every $BTC holder to participate in the future of finance.’
Whether you are an ordinary investor holding a small amount of $BTC or an institutional user with a large reserve of $BTC, Yala provides a safe, transparent, and efficient way to unlock the productivity of $BTC.
The key is that users no longer have to make the painful choice between ‘holding $BTC and waiting for appreciation’ and ‘participating in DeFi to earn returns.’
This time through Yala, you can have both fish and bear paws.😎
In financial markets, pioneers often reap the richest rewards, and Yala is the next major opportunity for $BTC holders.🔥
