# Lulo > Stablecoin yield with built-in protection Lulo is a non-custodial stablecoin yield platform on Solana. It allocates deposits across leading lending protocols using rules-based weighting and smart-contract-enforced coverage against protocol losses. Lulo is a non-custodial stablecoin yield platform, offering diversified exposure to lending protocols with built-in loss protection. Rather than relying on a discretionary manager, it distributes deposits systematically across multiple stablecoin lending protocols, weighted by total value locked and lending rate, an approach it describes as applying index-fund logic to stablecoin yield. All positions and allocations are recorded onchain and independently verifiable. The platform addresses the opacity common in actively managed DeFi yield products, where depositors often cannot verify fund placement or risk exposure. Coverage against a total loss in any single integrated protocol is enforced at the smart contract level and pays out automatically, without manual claims. The protocol has undergone multiple independent security audits and charges a performance fee on yield generated. Lulo offers two products built on this allocation framework. Protected provides steady yield with coverage against underlying protocol failure, while Boost offers higher yield to depositors who accept first-loss exposure in exchange for underwriting that coverage. The platform integrates with a range of external applications and wallets, and is used by individual depositors and partner platforms seeking stablecoin yield with transparent, verifiable risk management. - Type: Company - Sector: DeFi - Status: Active - Founded: 2023-11-01 - Profile: https://thegrid.id/profiles/Lulo ## Products - [Lulo Protected](https://thegrid.id/profiles/Lulo): Lulo Protected is a decentralized stablecoin yield product that allocates deposits across leading lending and yield protocols using a systematic, TVL- and rate-weighted methodology rather than discretionary management. Deposits are non-custodial and routed directly into whitelisted integrated protocols, with a built-in coverage layer that automatically compensates depositors at the smart-contract level if an integrated protocol suffers a loss, with no manual claims process. A separate first-loss tier called Boost earns higher yield with a lockup period in exchange for underwriting that coverage, and the platform charges a performance fee on generated yield. (Decentralised Borrowing & Lending, Live, Main Product) - [Lulo Developer API](https://thegrid.id/profiles/Lulo): Lulo Developer API is a REST API service that lets third-party applications integrate Lulo Protected and Boost yield directly into their own products. It provides endpoints to generate deposit and withdrawal transactions, fetch account balances, and access current and historical protocol rate and pool data. Access requires a dedicated developer account and an API key obtained through a separate developer portal, distinct from the consumer deposit app. (Developer Tooling, Live) ## Links - [Documentation](https://docs.lulo.fi) - [Main](https://www.lulo.finance) - [Terms of Service](https://www.lulo.fi/terms-of-service) - [Privacy policy](https://www.lulo.fi/privacy) - [Twitter / X](https://x.com/uselulo) - [Discord](https://discord.com/invite/lulo) - [Telegram](https://t.me/uselulo) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. 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