TL;DR

• YO stands strong through DeFi's latest stress test 💪
• yoUSD hits $30M TVL milestone 🚀
• Native Ethereum deposits starting with yoETH
• HyperEVM integration expands the YOverse 🪐
• YOligarchy evolves into the Order of YO 👑
• Build with YO empowers developers to integrate native earn

November tested the resilience of almost every DeFi protocol amid heightened volatility, major exploits, and severe market pullbacks. YO proved its risk-first design in the middle of a major ecosystem exploit, kept core vaults steady through choppy markets, wrapped up the open phase of YOligarchy, and doubled down on building YO as infrastructure for other apps. Let’s walk through the key highlights. ⬇️

YO’s Proof Under Pressure

November kicked off with a stark reminder of why transparency in DeFi isn't just a feature, but a necessity. As opaque stablecoin platforms collapsed and curator-dependent yields unraveled, YO's Gen 3 architecture shone through, processing withdrawals seamlessly without delays or slippage.

What sets YO apart:

• Fully auditable vaults with real-time allocation charts and independent verification via DeBank & Ocatv
• No circular deposits, hidden leverage, or offchain opacity, with all strategies verifiable onchain
• Algorithmic rebalancing across diversified chains and protocols to mitigate exposure to any single yield source
• Idle liquidity buffers ensuring redemptions flow even in the most volatile markets

None of this was luck; all of it was by design. As detailed in our "Solving the DeFi Yield Maze" report with DL Research, Gen 3 optimizers like YO prioritize risk-adjusted yield over inflated returns. Every dollar stays where it belongs: in whitelisted, risk-rated opportunities that can endure through volatility.

🔗 Dive deeper into "Why YO Is Different" and "Understanding Risk-Adjusted Yield" here.

yoUSD Milestone & Vault Highlights

yoUSD briefly crossed $30M in TVL before the broader market dump early in the month. Since then, the vault has proceeded to climb back above $28M and now is held by over 3,500 users, the highest for any yield aggregator over $2M TVL (per @vaultsfyi). Delivering 9.56% 30D APY during November and rebalancing across 46 whitelisted sources, it's become DeFi's go-to stablecoin yield for peace of mind.

yoEUR and yoETH followed suit, earning 4.45% and 3.73% during November despite the pullbacks, underscoring YO's consistent delivery across assets. Notably, yoBTC saw the highest increase in TVL (as measured by cbBTC deposits) during the month, up 15%, followed behind by yoEUR at 10%.

The IPOR yoUSD Loooper vault also continues to perform well, now at $3.5M TVM (total value managed), earned 12% 30D APY during the month, while accruing 6x YO points and 5x Fusion points.

🔗 Explore the IPOR vault here.

Lastly, we unveiled native deposits on Ethereum, starting with yoETH. No more bridging is required to enter YO vaults; simply deposit with WETH on Ethereum and receive yoETH on Ethereum with the same yield. Native Ethereum deposits for yoUSD, yoBTC, and yoEUR are coming soon.

YOligarchy Evolves

Our ambassador program leveled up this month. The open phase wrapped on November 17 with final winners announced, rewarding top creators for driving awareness and referrals.

Shifting gears, we're launching the Order of YO, a curated inner circle for aligned contributors who've demonstrated depth and long-term commitment. This next phase is about creating a lasting legacy at YO.

Stay tuned for more info on the Order of YO.

Also, our monthly YOnqueror: @crabetanfor took November’s crown for most referred TVL, earning $500 + 5,000 YO Points.

New Integrations & Ecosystem Announcements

The YOverse grew in November, starting with HyperEVM support for yoUSD via Felix Protocol's Morpho markets (USDT0 and USDC sources). What's next on HyperEVM? Let us know!

We also celebrated Tuyo's points program launch, letting users earn Tuyo + YO points through seamless on/offramps, IRL payments, and YO-fueled yield. Early adopters saw glowing results with @itstuyo reporting a 50% TVL boost post-integration.

🔗 Learn how to access YO on Tuyo here.

On November 5, DL Research hosted a deep dive X Space on Gen 3 yield optimizers, recapping our joint report and fielding community questions.

🔗 Catch the recording here.

Build with YO

For builders, "Build with YO" opens native earn to wallets, agents, neobanks, and apps. One integration unlocks multichain, risk-adjusted yield across 100+ protocols, ditching fragmented external marketplaces for seamless, on-brand UX. No more low completion rates or third-party risks.

🔗 Read the "Build with YO" blog post here.

We're also actively hiring: Web3 backend and Rust devs to scale our multichain engine. Join our remote-first team that is backed by Paradigm, Haun Ventures, Hack VC, Solana, and Circle.

🔗 Apply at yo.xyz/jobs.

YOcember Awaits

As November closes, YO's TVL resilience and user growth signal confidence in verifiable yield. With new chains live and our developer infrastructure in place, we are ready to scale yield access to everyone and everywhere.

Keep your notifications on as we close out 2025!