Yala stablecoin price

My Yala mainnet experience: The zero-liquidation artifact for BTC institutional DeFi! The DeFi spring for Bitcoin whales has arrived! Yala, the BTC native liquidity layer that launched on the mainnet on May 16, allows me to play with $YU using self-custody + zero liquidation, and the returns are fantastic! From my perspective, let's talk about Yala's institutional-level narrative, participation methods, and the upcoming TGE! Earning interest on BTC has always been a pain! Restaking and LSD yield only 1% annually, and there's a risk of penalties; centralized platforms like BlockFi require custody, and the fear of bank runs and liquidations is terrifying! Yala shows me a glimmer of hope: it uses self-custody + CRSM zero liquidation to create a safe DeFi entry for institutions and high-net-worth users. Narrative logic: Why is Yala so hardcore? In my view, Yala's logic is strong for three reasons: Self-custody security: My BTC is stored in a time-locked + multi-signature address, and Yala mints $YU using YBTC, allowing me to maintain full control over my native BTC, as secure as a vault! CRSM zero liquidation: BTC is volatile? CRSM automatically adjusts positions, using $YU earnings to repay debts when the collateral ratio is low, completely preventing liquidation, which institutions love! Multi-ecosystem earnings: $YU plays cross-chain with Pendle, Kamino, and Centrifuge, offering 20% APY in DeFi mining and 12% on RWA bonds, with diversified returns, a favorite for large funds! How do I play Yala? Both whales and retail investors benefit! Yala's mainnet launched on May 16, and I've tried several strategies, yielding high returns and a sense of security: Minting $YU to earn Berries: Mint $YU using BTC on the mainnet, or exchange USDC 1:1 for $YU, and collect Berries for the TGE airdrop! High DeFi returns: Invest $YU in the DeFi Marketplace on Kamino, with 20% APY and 100% head mining! Guaranteed RWA returns: Invest in Centrifuge bonds with RealYield, offering 12% annualized returns, compliant and stable! Triple earnings in the stable pool: Deposit $YU into the stable pool for 10-12% APY + Berries + liquidation earnings! Lite Mode for easy earnings: Deposit $YU/USDC, AI-optimized for 12% annualized returns + points, worry-free! Whales use CDP + self-custody with zero risk, while retail investors use PSM with low barriers; the bridging code is open-source, ensuring transparency and security! Join Yala and unlock BTC earnings! Participation: Mint $YU, DeFi, RWA, stable pool, TGE: $YALA airdrop relies on Berries! Follow @yalaorg Summary: Yala, the ace of BTCFi Yala breaks the deadlock of institutional DeFi with self-custody + CRSM, allowing for enjoyable play with $YU on the mainnet, and the TGE airdrop is imminent, A new era of Solana-BTC earnings has arrived! --- The above content is based on personal observations, and the project information is compiled from publicly available materials. The market is ever-changing, and investment carries risks; readers are advised to view rationally, make independent judgments, and protect their personal interests. DYOR.

Recently, I've been looking at Yala, which has a pretty interesting structure. @yalaorg In this bull market, BTC is clearly one of the strongest narratives in market consensus. Regardless of whether you like the Bitcoin standard or not, the data is there: spot ETFs, mainstream institutions, liquidity—the whole landscape is about money flowing into BTC. However, to be honest, there are still very few solutions where BTC can truly participate in DeFi and RWA. Most are not centralized lending platforms, but traditional whales do not trust them, or they are just Restaking or LSD types of "artificial yield layers," which come with a lot of issues. ------------------------------ I think the design logic of Yala can be broken down: 📷 The core is to redefine "BTC native liquidity." Large holders lock BTC through a self-custody structure, with the key point being that the assets do not leave their possession; The protocol uses CRSM to automatically adjust the collateral ratio to avoid liquidation; $YU serves as a stablecoin debt tool for BTC, and when broken down, it resembles the "sovereign bond structure" of traditional finance, where retail investors are the bondholders and institutions come to borrow money; It's not just a concept; $YU has already integrated with EVM, Solana, RWA, and other ecosystems, and practical scenarios are being laid out. Supplement: CRSM (Collateral Ratio Self-Stabilizing Module) is an important design under Yala's self-custody model to prevent liquidation. The role of CRSM is: When the collateral ratio approaches the liquidation line, the system will automatically withdraw part of the assets from the $YU yield scenarios to repay debts in advance, stabilize positions, avoid liquidation, overall reduce risk, and ensure the stability of YBTC. 📷 Why is this structure relatively reasonable? Restaking yields 1% annually, with no related POS slash penalties; Centralized platforms like BlockFi and Celsius have had too many explosive cases in the past, and the security of custody is fundamentally unreliable; For BTCFi to truly take off, it must first ensure asset security and sovereign control before discussing yields and strategies. At least under this logic, Yala fills a gap in the market. 📷 Participation thresholds and design Retail investors: Exchange USDC 1:1 for $YU, with no slippage, and earn annual interest from the stable pool; Large holders: Self-custody BTC, transfer YBTC through Yala Bridge, participate in CDP positions, and CRSM helps monitor positions to avoid liquidation; Multi-chain scenarios: $YU has entered multiple ecosystems, and cross-chain solutions will be upgraded in the future. 📷 TGE countdown, the window period for BTCFi $YU is already preparing for TGE, and while the official date has not been announced, it seems to be coming soon. If BTC continues to strengthen, the BTCFi concept will be repeatedly mentioned. Structures like Yala, with funding and practical implementation, have a solid foundation and are worth paying attention to. The market still echoes the old saying: BTC is one of the hardest fundamentals in this wave. Whoever can create a new model for liquidity on top of BTC will at least be tested by the market once. ------------------------------------------------- Additionally, market validation: trust in funds has been established. In the seed round financing, investment institutions, while obtaining investment quotas, have committed to actually depositing BTC. These frontline capitals in the crypto industry have verified the reliability of the Yala structure with real money. Official website: Documentation:

Less than a month after the mainnet was launched, the minting volume of @yalaorg's BTC-collateralized stablecoin YU reached the upper limit of 30M, so they opened the second season on the 13th, which was full yesterday and took only ten days. Now the whole network has more than 75M supply, and we will study why the momentum is so strong. 1. Main force analysis First of all, it can be seen on the YBTC chain that as soon as the BTC debt ceiling was opened, it was stuffed, with a total of 970 BTC, but in fact, there were only 93 addresses. The logic behind it is not simply the endorsement of trusting @Polychain, @EtherealVC and other institutions, but the triple guarantee of CDP + self-custody + CRSM provided by yala for large investors in the early stage of the protocol. CDP means that you can use WBTC on EVM, mainstream LST assets, or use native BTC for self-custody deposits, and the native BTC has its own address after adding a time lock, at this time the corresponding vault is created and minted YU for use, and before the time expires, the YBTC of the corresponding vault will be destroyed to ensure that the assets are anchored. If the vault is close to the liquidation line during the time, CRSM will automatically withdraw part of the position from the YU yield scenario to repay the debt and maintain the collateral ratio, and yala's collateral system has remained stable during the sharp fluctuations of BTC in the past few days. 2. Popular tracks Only halfway through 2025, the top 3 most out-of-the-circle topics of crypto have been locked in a seat in advance by the excellent performance of Circle after its listing: now the stablecoin war is not only concerned by the circle, but also by the outside circle. The GENIUS bill has been passed, and @chromitemerge summarizes the current camps: the offshore faction of usdt and the secretary of commerce's son, 21 capital; Compliance, mainly USDC and Coinbase; The upstart USD1 is supported by the Trump family, Binance, and MGX in the United Arab Emirates, and is bound to get a piece of the pie; Coupled with the staring of banks and technology giants, it is obvious that the whole track will get bigger and bigger, and it will not be limited to pricing digital assets. yala's co-creation @VickyXAI is out of Circle, so why do you want to make yala? Just as USDC's profits before the listing are completely incomparable with USDT, the bigger these traditional players make the track, the more they will benefit, the more stable coin projects native to the cryptocurrency circle. After all, the on-chain will return to the on-chain, whether it is CEX and DEX or stablecoins. In addition to the stronger composability on the chain, the main reason is that there is too much room for compliance arbitrage and there are no additional costs brought by various regulations, so most of YU's profits will be distributed to the participants of the community, which makes YALA expand very quickly. Even PayPal, which is as strong as the payment leader, gave a 20% subsidy annualized when it entered the stablecoin market to do pyusd in the early days, and it took 9 months to achieve about 70M supply. 3. How to participate At present, the second phase of minting is full, but you can still get on the bus, and it is very simple for retail investors to participate, just buy some YU directly through swap, and then pledge it in the stability-pool to eat 10% interest. Join the team: For large investors, opening a vault to mint YU requires an annualized interest of 9%, but for retail investors, it is not necessary, and it can be exchanged with USDC 1:1, which is basically not worn. Just look at the APR itself, which is also a stablecoin wealth management with relatively high returns at present, because the income of the debt ceiling will not be diluted too much. In addition, in addition to apr, there are also liquidation proceeds paid by YBTC and subsequent exchange of airdrop Iceberry points, the number of addresses stored in the mainnet is thousands, and the cost of mainnet gas is not high now, so I divided several numbers to participate, and there may be surprises. On the whole, it is a better farm choice, and the funds that have not been deposited in Plasma can participate in yala, and there are more than 400,000 YU in LP, teachers can hurry up and buy them, don't wait for the same premium as huma. If you are free, you can also sign in every day and socially interact to receive iceberry points, but the testnet and interaction points are separated, and I don't know how they will be distributed in the future. 4. The big one is coming I recommended yala when I was on the mainnet, but there are so many things that have happened in this month, especially the CRCL continues to reach new highs, and my confidence in yala has been further improved. In the past, in traditional stablecoins such as USDT/USDC, retail investors contributed liquidity to institutions, and they steadily earned the yield of treasury bonds, and in many DeFi protocols, retail investors had to bear most of the smart contract risks to make some money. In yala, it is completely different, point 3 mentions that the source of APR profit for retail investors is the interest paid by large investors on collateral BTC lending stablecoins, this model allows retail investors and institutions to form a decentralized creditor-debt relationship, that is, retail investors can become institutional creditors by holding the pledged YU, and the interest is measured in YU real-time, which is very comfortable. I and Yala Guantui have been closed to each other from the beginning, and seeing that the ceiling of these two phases is quickly filled, it is estimated that TGE will be soon, otherwise they would not need to set the debt ceiling.

Only use 10 u to make Bitcoin whales obediently work for retail investors. What happened to the 1,800 BTC whale sisters who fought for their rights? I haven't paid much attention, but this farce has made us small retail investors see clearly that while the colluding BTC staking whales are indeed detestable, they are also a vulnerable group. The staking protocol did not understand or design for the real needs of whales and institutions. Let’s dive in! ⬇️ In Bitcoin staking, most of what we encounter is "borrowing fake to repair the real," fake Bitcoin earning interest, and real token issuance for cashing out. So after that wave of enthusiasm, I only focus on two directions in this sector: real returns and infrastructure. Are you feeding sheep? The Emperor's New Clothes: Bitcoin holders are the group with the lowest risk appetite in the market, but while they have the lowest returns, they also face liquidation and confiscation risks. Who would play with you? Therefore, institutions and whales holding large amounts of Bitcoin would rather use decentralized institutions for collateralized lending than participate in so-called BTCFi. I have talked to many Bitcoin whales, and they first ask about security, such as whether it is self-custodied, whether there are liquidation and confiscation risks; only then do they ask where the returns come from, what they are, and what the annualized rate is. The market has been tarnished in recent years, so if you talk to whales about staking to earn new protocol points that can be exchanged for tokens later... goodbye to you. Self-custody + zero liquidation + native liquidity = the real needs of institutions/whales. Who can meet this? Yala @yalaorg. Yala claims to be the native liquidity layer for Bitcoin, allowing users to borrow stablecoins $YU by over-collateralizing BTC, which can then be used to earn money in DeFi and RWA protocols across multiple public chains like Ethereum and Solana. It seems quite ordinary and nothing special, right? The uniqueness lies in the details. Let me fully demonstrate how whales and retail investors are connected through $YU, so we can better understand the brilliance of Yala. / Step 1: Deposit into CDP CDP: Collateralized Debt Position, which is essentially a collateralized debt position. This is Yala's smart contract that allows users to borrow $YU stablecoins by collateralizing BTC or other Bitcoin assets. The requirement for CDP is over-collateralization, with a minimum of 110%. How to deposit? Time lock + multi-signature, deposit BTC into a self-custody wallet, retain private key control but need to co-sign with Yala's Notary Bridge to withdraw early. Step 2: Mint $YU $YU is a stablecoin pegged 1:1 to the US dollar, which can be used in various DeFi and RWA protocols across multiple chains. Minting $YU means borrowing money from the protocol, which will incur a Stability Fee. Once minted, $YU goes directly into the wallet. Go ahead, liquidity mining, lending protocols, and RWA investments are gradually supported. BTC is locked in the CDP, but liquidity is released. If the price rises, it's a double win; if the price falls, will it be liquidated? Not necessarily, I will explain how Yala achieves zero liquidation later. Step 3: Pay interest The Stability Fee is the interest that whales must pay to maintain their CDP borrowing position. It is 9% annualized, paid in $YU. 9% is not cheap; why would whales or institutions be willing to pay this interest? Safety and profit. Safety refers to Yala's use of self-custody and CRSM to ensure BTC security and zero liquidation risk, which is much better than centralized platforms or high-risk Restaking protocols; profit, $YU earns 12% to 20% in the ecosystem, so after covering the interest, there is still profit, plus early incentives, Yala offers a 12x interest subsidy reward for early CDP users. Wait, what is CRSM? CRSM: Collateral Ratio Self-Stability Module, this is a collateral ratio self-stabilizing module. When the CDP collateral ratio approaches the liquidation line, it automatically withdraws funds from $YU earnings to repay debts, thus dynamically maintaining the healthy collateral ratio of the CDP and preventing liquidation. Step 4: Retail investors get the soup Is it all whales playing? Not at all, retail investors are more important; if whales eat meat, retail investors must have soup to drink. As mentioned above, whales have to pay the Stability Fee, right? Who do they pay it to? 80% goes to retail investors. Retail investors can exchange USDC for $YU at a 1:1 ratio through the PSM module, depositing into the Stability Pool to provide the liquidity needed for the protocol's liquidation. When the collateral ratio < 110%, the protocol will activate the Stability Pool to repay the debts of unhealthy CDPs. So retail investors not only earn interest but can also receive 8% of the total debt as liquidation penalties. Feeling confused again 😧, isn't it zero liquidation? Why is there liquidation again? Yala's mechanism prioritizes CRSM intervention, with liquidation as a backup mechanism; in extreme cases, liquidation is still necessary. / To summarize, Yala is like a bank: Whales or institutions are the loan customers, pledging assets (BTC) to borrow money ($YU) from the bank, paying 9% annual interest (Stability Fee) to do business (DeFi, RWA). Retail investors are deposit customers, depositing money (USDC - $YU) into the bank's safe (Stability Pool), earning interest (80% of the Stability Fee), and if assets are liquidated, they can also gain additional income. $YU connects whales and retail investors, achieving a win-win situation: whales gain safe and efficient liquidity, while retail investors earn stable returns from the borrowing activities of whales, truly making retail investors the "creditors" of institutions. / Yala's mainnet is live, and there are multiple points rewards for minting $YU. Participate: If you don't know how to generate more returns with $YU, Yala has kindly organized it for you; Pendel and Komino have collaborations, and the head mine can reach 100% APY. Of course, you can also choose to deposit liquidity or directly select the Lite mode for a fixed return of 12% + multiple points like other DeFi. The most important thing I almost forgot: TGE is just around the corner. This is a soft-core popular science article. Through this article, you can have a basic understanding of the following knowledge: ▰ The staking dilemma of Bitcoin whales ▰ Yala activates the native liquidity layer ▰ How to make big whales work for me (not) Author: anymose | A soft-core popular science writer <End of full text>

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