Yala is introducing a new standard for Bitcoin utility:
The PayFi Universe
A system where your BTC remains untouched, and your yields fund your daily life.
Spend without selling. Live off your Bitcoin.
👇
The premise is simple:
You overcollateralize your BTC to mint $YU.
Your $YU earns sustainable yield across DeFi and real-world asset strategies.
Your yield is made available for everyday spending - instantly.
At the center is the Yeti Card:
• Globally accepted (Visa/Mastercard)
• Mobile-native (Apple Pay, Google Pay)
• Direct integration with Yala’s yield ecosystem
Not a loan. Not credit. Just your earned yield at work.
Yala’s PayFi stack is built on institutional-grade infrastructure:
• Alchemy Pay: For traditional payment rail integration
• Circle Alliance: For compliant, zero-fee 1:1 USDC conversions
• Solayer: For liquidity routing and capital efficiency
Yields are generated through:
• DeFi strategies (e.g. Pendle, Euler, Kamino, etc)
• AI-managed fixed income (Yala Lite Mode)
• RWA products via Yala RealYield
• Triple-reward Stability Pools
All yield, no compromise.
This is not Buy Now, Pay Later.
This is Buy Now, Pay Never.
Let your Bitcoin appreciate while the yield covers your expenses.
Personal finance, business operations, travel & more. All funded by BTC-native income.
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