Yala Launches PayFi Universe Ecosystem, Achieving a New Lifestyle of "Holding Bitcoin, Spending with Earnings" through Yeti Card
Bitcoin Native Liquidity Protocol Yala today announced the launch of its PayFi Universe ecosystem, proposing the concept of "Hold Your Bitcoin, Buy Now, Pay Never," aiming to allow Bitcoin holders to meet their daily consumption needs through the earnings generated from their Bitcoin assets without selling their Bitcoin principal.
Core Product: Yeti Card — Live on Earnings, Keep Principal Intact
Yala's flagship product, the Yeti Card cryptocurrency card, is the core entry point of the PayFi Universe, dedicated to realizing the vision of "Living on Bitcoin Earnings" (Hold Your Bitcoin, Buy Now Pay Never):
Globally Accepted: Supports all online and offline merchants that accept Visa or Mastercard
Mobile Payment Compatible: Fully supports Apple Pay and Google Pay
Multi-Scenario Design: Built for a seamless global consumption experience
Yala PayFi Universe: Opening a New Bitcoin Lifestyle
Yala is building a complete ecosystem for BTC asset earnings, relying on its stablecoin $YU to create a closed loop of BTC → Earnings → Consumption, achieving a 7x24 hour earning DeFi + RWA ecosystem. Users can easily pay for daily expenses without liquidating BTC.
From DeFi earning strategies to RWA investment products, and a one-click Lite Mode fixed income entry, Yala makes "earning on holdings, spending on earnings" accessible, truly turning Bitcoin into a source of income and a cornerstone for daily life, from coffee purchases to business trips, from online shopping to investment management, forming a complete Bitcoin-native lifestyle ecosystem.
Yala will continue to expand the $YU ecosystem, continuously integrating offline payment networks, online liquidity systems, and compliant stablecoin channels to promote the comprehensive implementation of Bitcoin earning-based consumption.
Technical Architecture: Multi-Mode Product Matrix Supporting 24/7 Earnings Generation
Yala has launched various product modes, including Pro Mode, Lite Mode, and AI Earnings Agents. Its system operates based on the $YU stablecoin, which is a stablecoin over-collateralized by Bitcoin, greatly enhancing the self-sovereignty emphasized by Bitcoin.
By integrating DeFi and Real World Asset (RWA) protocols, users' over-collateralized Bitcoin can generate sustainable earnings 24/7, which flow directly into users' personal or business savings accounts, even supporting an entire lifestyle, business travel, or the operating expenses of small and medium enterprises.
Four Major Earning Engines Building the "Buy Now Pay Never" Ecosystem
Yala's "Buy Now Pay Never" is supported by a powerful earnings generation ecosystem:
High-Potential DeFi Earnings: Collaborating with top DeFi protocols like Pendle to offer dual APR and Berries rewards, with expected earnings around 20% APY and early mining rewards up to 100% APY.
Institutional-Level RWA Earnings: Through the Yala RealYield structured product market, users can access compliance real-world asset opportunities previously only available to institutions.
Triple Reward Liquidity: Providing liquidity to the Yala stable pool can earn triple reward bonuses.
Zero-Threshold Fixed Income: In Yala Lite Mode, users only need to deposit $YU or $USDC with one click, and the AI agent automatically executes investment strategies, providing a stable 12% annualized return, plus bonus points rewards—making stable and reliable earnings effortless.
Strategic Partnerships to Promote Global Implementation
The product design of the stablecoin $YU naturally aligns with the "Living on your Bitcoin" lifestyle. To ensure a silky-smooth user experience and ultra-secure source of earnings, Yala is establishing strategic alliances with multiple partners, including:
Renowned financial service providers trusted by global users
Leading payment partners
Top security solution providers
Circle Alliance Program: Yala's participation in the Circle Alliance Program is significant. Circle, as the issuer of USDC, holds an important position in the global stablecoin market, and its compliance and wide acceptance provide strong trust backing for $YU. Since $YU can be exchanged 1:1 for USDC for free, and USDC is widely accepted as a compliant payment channel, this collaboration will greatly accelerate the mainstream adoption of $YU and connect the market through broader compliant channels.
Alchemy Pay Partnership: This leading crypto payment gateway, established in 2017, has infrastructure covering over 300 payment channels in 173 countries. Through this partnership, Alchemy Pay will provide technical support for the Yeti Card and offer fiat deposit and withdrawal services for $YU, allowing users to spend Bitcoin earnings at millions of merchants worldwide. $YU will be integrated into Alchemy Pay's comprehensive infrastructure, enabling seamless Bitcoin-supported consumption in traditional payment networks, helping to bring sovereign Bitcoin funds into mainstream commerce, truly realizing "Bitcoin supported, globally spendable."
Solayer Ecosystem Integration: $YU will be integrated into Solayer's liquidity ecosystem and provide BTC Yield opportunities for the Solayer Emerald Card, opening new avenues for earnings deployment and expanding access to multiple high-quality payment platforms.
By connecting to these mature infrastructures, Yala makes $YU a truly multifunctional asset, both consumable and supported by Bitcoin. Yala's core mission is to unlock capital efficiency for Bitcoin holders, allowing users to mint $YU backed by native Bitcoin through MetaMint, gaining portable liquidity without facing liquidation risks.
Industry Analysis and Future Outlook
Yala emphasizes that its digital currency card, the Yeti Card, is a consumption channel for "living on Bitcoin," while $YU serves as a softer, digital earnings channel supporting the same vision.
In the future, Yala will continue to expand the application scenarios of these two dimensions, promoting the concept of "earning on holdings, living on earnings" deeply into people's minds.
By combining Yala's liquidity engine with cooperative infrastructures, $YU is no longer just a stablecoin but becomes a bridge connecting on-chain earnings with real-world consumption. The $YU ecosystem will continue to evolve, with new PayFi integrations and strategic partnerships in preparation, this growing network will provide users with more opportunities to live entirely on Bitcoin earnings.
As large-scale applications progress, $YU will gradually achieve seamless flow between DeFi, payments, and real-world assets. Yala will continue to drive innovation, further expanding Bitcoin's role in global finance, and all of this is just the beginning.
Applications Will Soon Open, Stay Tuned for Official Updates
Yala announced that it will soon disclose specific application dates, advising users to keep an eye on official announcements @yalaorg.
As the Yala team emphasizes, "Hold Your Bitcoin, Buy Now Pay Never" is not just a slogan but the core vision of creating a Bitcoin-native lifestyle—allowing Bitcoin holders to achieve continuous earnings and liquidity freedom without selling their Bitcoin.
Stay tuned for more updates.
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