Earn experiences, which allow users to earn passive yield, have risen in popularity across consumer-facing apps like crypto wallets, DeFi applications, and neobanks. These products strengthen business models by growing user bases, retaining users long term, increasing capital and liquidity, and diversifying revenue streams.

There are two types of Earn experiences, native and non-native:

Native Earn: An Earn experience that is built natively into the consumer-facing app
Non-native Earn (Marketplace): Often a marketplace that serves as a browser to access Earn experiences outside of the consumer-facing apps on other DeFi protocols or decentralized Apps (“dApps”)

Non-native Earn experiences provide a valuable resource for users seeking yield. However, for businesses aiming to meet their strategic goals, native integration provides a far better solution. A single integration with YO is all you need to elevate and scale your Earn experience.

The Problem With Non-Native Earn

Non-native Earn experiences are typically a marketplace within a consumer-facing app that links to Earn experiences outside of the application. These serve as a discovery tool for users to find yield opportunities, but don’t give them the option to earn yield within the native app UI. To build a marketplace, consumer-facing apps must plug into dozens of DeFi protocols, which leads to fragmented integrations and user experiences. Non-native integrations also introduce reliability risks. If the external webpage or product goes down, users can’t deposit, withdraw, or view their balances. Even worse, compromised frontends can expose them to malicious sites that intercept and steal deposits.

Non-native integration also increases third-party risks when a marketplace lists many external protocols. Unless the integrator is actively curating and monitoring every listed dApp, users may be exposed to opaque or off-chain strategies that carry higher risk. In practice, most marketplaces struggle to maintain strict curation at scale, which creates additional risk for both the organization and its users.

The risks of non-native integration:

Fragmented user journeys: Users jump between apps and interfaces, dramatically reducing completion rates.
Poor retention: When users explore yield outside your app, they often stay outside.
Hard to maintain: Integrating multiple protocols increases engineering and support complexity.
Opaque yield risks: Many providers rely on offchain or high-risk strategies, increasing exposure for both your product and your users.
Reliability risks: Reliance on external applications can introduce technical and security problems outside of a consumer-facing app’s control.

With this many risks, non-native integration becomes an obstacle rather than an efficient way to generate growth and user retention.

The Power of Native Earn — Powered by YO

Native integration provides a more streamlined and secure solution. YO delivers a turnkey native Earn experience designed for wallets, neobanks, and other consumer-facing crypto apps.

Through YO’s native integration, you can unlock diversified, risk-assessed yield opportunities across top chains and protocols, all without the operational overhead. YO’s solution eliminates fragmented user journeys and poor retention by keeping yield within your UX, improving the user flow, and creating an on-brand experience for your users.

The benefits of native integration:

Seamless: One integration → diversified yield across chains and protocols
On-brand: Fully on-brand UX with seamless deposit and withdrawal flows
More secure: Higher trust and safety through transparent, risk-assessed strategies, and direct smart-contract integration with no intermediaries or interception risk.
Better retention: Users return daily to monitor yield and increase deposits, leading to better retention

Native integration with YO simplifies the integration process, boosts retention, and leaves DeFi applications with a yield optimization partner they can trust. With YO, teams can ship best-in-class Earn experiences in days, not months.

Let’s take a look at how YO’s native integration helped crypto wallet Tuyo increase its user base and maximize user retention.

Case Study — Tuyo

Tuyo is the first wallet to introduce native YO integration. Users can deposit into any of YO’s vaults – yoETH, yoUSD, yoBTC, and yoEUR – directly from the Tuyo wallet. The process is incredibly simple and includes only five straightforward steps.

Here’s how the user flow works:

Create a Tuyo wallet and add crypto
Go to Earn → pick an asset (e.g. USDC) → select a YO Vault (e.g. yoUSD)
Review details → click Deposit
Enter amount → confirm and sign
View earnings position

By integrating YO, Tuyo users accessed the best available yields. With yoUSD, Tuyo users earned 4% APY more than other options on Tuyo. yoETH delivered 3.2% APY more than existing alternatives, and yoEUR provided the only earning option for EUR stablecoins.

The simple flow and competitive yields drove impactful results for Tuyo. Users deposited $1M into Tuyo within the first two weeks of the integration launch. Since integrating yoVaults, Tuyo’s Earn TVL grew 50% week-over-week.

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