4.53%APY
4.53%Sustainable APY
$7.6MTVL
Moderate · 28Risk score (0–100)
59Opportunity score
FairLiquidity
Why this yield exists
Yield comes entirely from interest paid by borrowers. This income source is highly durable.
What could lose money
Main risks are limited liquidity for exiting positions, governance changes, and oracle accuracy. The protocol depends on Circle, and the pool is relatively small.
What changed recently
TVL -1.9% over 7 days, APY +0% over 7 days; 1 risk event this week (apy_jump). Social signals: not yet monitored.
Main risk dimensions
- Liquidity: 34
- Governance: 31
- Price oracle: 30
Where the yield comes from
- Borrower interest: 4.53% (100%)
Key dependencies
- Circle (issuer)
Governance and control
- Governance: multisig 4 of 6 with a 2-day timelock (https://docs.yo.xyz/protocol/yo-v2-security-framework.md, checked 2026-10-07)
Text source: written by an AI model from the structured fields and checked by a rule-based validator. Machine-readable copy of this report: JSON. ← All 25 opportunities