Yield Optimizer USD (yoUSD) stablecoin analytics
yoUSD is an ERC-4626 yield-aggregator on Base that rebalances USDC across 50+ whitelisted DeFi protocols, with NAV appreciating from accrued strategy yield.
Static Profile
Static stablecoin profile
Yield Optimizer USD (yoUSD) static profile: governance model CeFi-Dependent; backing model Crypto-Collateralized; peg US Dollar.
AI summary / Updated May 20, 2026
A USDC-only yield aggregator on Base whose NAV can move with strategy outcomes — a sophisticated optimizer wearing stablecoin clothing, not a risk-free dollar claim. YO Protocol's yoUSD automates what DeFi power users do manually: rebalancing USDC across 50+ yield sources on...
AI summary · drafted by claude-opus-4-7 · reviewed by Codex data review on May 20, 2026 · facts as of May 20, 2026
- Collateral
- USDC deposits continuously rebalanced across 50+ whitelisted DeFi yield sources on Ethereum, Base, Arbitrum, and Unichain; allocations ranked by Exponential.fi risk-adjusted ratings with per-pool caps (max 50%) and per-protocol caps (max 70%); 5 smart contract audits by Offbeat Security, Hunter Security, Spearbit/Cantina, Aether Labs, and Paladin with no critical or high findings; admin multisig with <4 signers controls protocol whitelisting; backed by Paradigm, Haun Ventures, and Coinbase Ventures
- Peg Mechanism
- ERC-4626 vault on Base; USDC deposited via yoGateway, rebalanced cross-chain to whitelisted DeFi pools; NAV appreciates with accrued yield (e.g. ~$1.069 at launch anniversary); instant redemptions up to liquidity buffer, larger withdrawals up to 24h as cross-chain positions unwind
- Jurisdiction
- Not disclosed in the static profile.
- Proof Of Reserves
- No proof-of-reserves entry in the static profile.
Snippet Answer
Is yoUSD safe?
Pharos does not mark yoUSD as absolutely safe. Static metadata says Yield Optimizer USD uses a CeFi-Dependent governance model and Crypto-Collateralized backing, with live reserve feed configured; the main caveat is that issuer or admin freeze controls are recorded. Treat the live peg, liquidity, reserve, dependency, and Safety Score sections below as the current risk read.
Next Actions
Exact bot target: /subscribe dews,depeg,safety yousd-yield-optimizer
Source: checked-in StablecoinMeta profile fields. Live price, supply, reserve, liquidity, event, and safety data load in the interactive dossier below; the summary above was last updated May 20, 2026.
yoUSD quick answers
What is Yield Optimizer USD (yoUSD)?
yoUSD is an ERC-4626 yield-aggregator on Base that rebalances USDC across 50+ whitelisted DeFi protocols, with NAV appreciating from accrued strategy yield. The static profile records its US Dollar peg mechanism as: ERC-4626 vault on Base; USDC deposited via yoGateway, rebalanced cross-chain to whitelisted DeFi pools; NAV appreciates with accrued yield (e.g. ~$1.069 at launch anniversary); instant redemptions up to liquidity buffer, larger...
What backs yoUSD?
Pharos classifies yoUSD backing as Crypto-Collateralized. Collateral, per the static profile: USDC deposits continuously rebalanced across 50+ whitelisted DeFi yield sources on Ethereum, Base, Arbitrum, and Unichain; allocations ranked by Exponential.fi risk-adjusted ratings with per-pool caps (max 50%) and per-protocol caps (max... Reserve evidence: live reserve feed configured.
Can yoUSD be frozen or blacklisted?
Based on tracked contract metadata and blacklist coverage, issuer or admin freeze controls are recorded. Live freeze and blacklist events for yoUSD, when applicable, appear in the dossier below.