# YO Protocol

> The yield engine for the crypto economy

YO Protocol is a DeFi yield optimizer that automatically allocates deposits across multiple blockchains and protocols for risk-adjusted returns.

YO Protocol helps crypto holders earn automated yield by reallocating deposits across multiple blockchains and DeFi protocols. Users deposit assets into tokenized vaults and receive yoTokens that accrue value as the protocol rebalances daily based on risk-adjusted opportunities. Its multi-chain approach and automated risk management distinguish it from single-chain yield strategies.

- Type: Protocol
- Sector: Finance
- Status: Active
- Founded: 2025-05-13
- Profile: https://thegrid.id/profiles/yo_protocol

## Products

- [YO Protocol](https://thegrid.id/profiles/yo_protocol): YO Protocol is a yield aggregator that deposits user assets into ERC-4626 tokenized vaults, routing capital across multiple DeFi protocols and chains for risk-adjusted returns. The protocol continuously reallocates vault positions using a risk scoring framework derived from Exponential.fi ratings, monitoring asset valuations and pausing operations automatically during significant price changes. Users receive yield-bearing vault tokens (yoUSD, yoETH, yoBTC, yoEUR, yoGOLD, yoSOL) that accrue returns without active management. (Yield Aggregator, Live, Main Product)
- [YO SDK](https://thegrid.id/profiles/yo_protocol): YO SDK is a developer toolkit enabling applications to embed YO Protocol's yield vaults through a single integration point. It provides a TypeScript package with React Hooks for frontend and backend use, a plug-and-play widget component for direct UI embedding, and an agentic interface for integrating yield capabilities into AI-driven workflows. All methods route onchain interactions through the yoGateway contract, which handles allowance management and slippage across all current and future yoVaults. (Developer Tooling, Live)

## Assets

- [YO (YO)](https://thegrid.id/profiles/yo_protocol): YO is the governance token of YO Protocol. It is used for voting on protocol upgrades, vault parameter changes, and treasury allocations. The token has a fixed total supply of 1,000,000,000 and launched with a non-transferable phase designed to ensure initial distribution to active protocol participants before open market trading. (Governance)
- [yoUSD (YOUSD)](https://thegrid.id/profiles/yo_protocol): yoUSD is a vault token representing USDC deposits in YO Protocol's yield optimization system. Holders deposit USDC from Base, Ethereum, or Arbitrum and earn yield as the protocol allocates funds across DeFi lending and liquidity pools. Built on the ERC-4626 standard, yoUSD accrues yield through an increasing exchange rate rather than a rebasing balance, preserving composability with other DeFi applications. (Vault Tokens)
- [yoETH (YOETH)](https://thegrid.id/profiles/yo_protocol): yoETH is a vault token representing WETH deposits in YO Protocol's yield optimization system. Holders earn yield automatically as the vault allocates deposits to ETH-denominated DeFi pools on Base and Ethereum. Built on the ERC-4626 standard, yoETH accrues yield through an increasing exchange rate rather than rebasing, preserving composability with other DeFi applications. (Vault Tokens)
- [yoBTC (YOBTC)](https://thegrid.id/profiles/yo_protocol): yoBTC is a vault token representing cbBTC deposits in YO Protocol's yield optimization system. Holders earn yield automatically as the vault allocates deposits to BTC-denominated DeFi pools on Base and Ethereum. Built on the ERC-4626 standard, yoBTC accrues yield through an increasing exchange rate rather than rebasing, preserving composability with other DeFi applications. (Vault Tokens)
- [yoEUR (YOEUR)](https://thegrid.id/profiles/yo_protocol): yoEUR is a vault token representing EURC deposits in YO Protocol's yield optimization system. Holders earn yield automatically as the vault allocates euro-denominated deposits to DeFi protocols on Base and Ethereum. Built on the ERC-4626 standard, yoEUR accrues yield through an increasing exchange rate rather than rebasing. (Vault Tokens)
- [yoGOLD (YOGOLD)](https://thegrid.id/profiles/yo_protocol): yoGOLD is a vault token representing XAUt (tokenized gold) deposits in YO Protocol's yield optimization system. Holders earn yield automatically as the vault allocates gold-backed deposits to DeFi protocols on Ethereum. Built on the ERC-4626 standard and deployed exclusively on Ethereum, yoGOLD provides yield exposure on gold-denominated assets through an increasing exchange rate rather than rebasing. (Vault Tokens)
- [yoUSDT (YOUSDT)](https://thegrid.id/profiles/yo_protocol): yoUSDT is a vault token representing USDT deposits in YO Protocol's yield optimization system on Ethereum. Holders earn yield automatically as the vault allocates deposits to dollar-denominated DeFi lending protocols. Built on the ERC-4626 standard, yoUSDT shares the same underlying yield exposure as yoUSD but accepts USDT as the deposit asset, with yield accruing through an increasing exchange rate rather than rebasing. (Vault Tokens)
- [yoSOL (YOSOL)](https://thegrid.id/profiles/yo_protocol): yoSOL is a vault token representing SOL deposits in YO Protocol's yield optimization system on Solana. Holders earn yield automatically as the vault allocates deposits across Solana-based DeFi protocols. Using the SPL token standard, yoSOL accrues yield through an increasing exchange rate rather than rebasing. (Vault Tokens)

## Links

- [Main](https://www.yo.xyz)
- [Documentation](https://docs.yo.xyz)
- [Blog](https://www.yo.xyz/blog)
- [Whitepaper](https://www.yo.xyz/whitepaper)
- [Terms of Service](https://www.yo.xyz/terms-of-service)
- [Privacy policy](https://www.yo.xyz/privacy-policy)
- [Media Kit/branding](https://docs.yo.xyz/integrations/brand-kit)
- [Twitter / X](https://x.com/yield)
- [Telegram](https://t.me/yo_protocol)
- [Discord](https://discord.gg/yoprotocol)
- [GitHub](https://github.com/yoprotocol)

## Legal

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Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
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- The Grid does not provide investment, legal, or tax advice, and
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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP