Yala launches PayFi Universe: Hold Your Bitcoin, Buy Now Pay Never

The Bitcoin-native liquidity protocol Yala announced today 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 having to sell their Bitcoin principal.

Core Product: Yeti Card —— Live off the earnings, keep the 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 off Bitcoin earnings” (Hold Your Bitcoin, Buy Now Pay Never):

• Globally Accepted: Supports all online and offline merchants that accept Visa or Mastercard.
• Mobile payment compatibility: Fully supports Apple Pay and Google Pay
• Multi-scenario design: Built for a seamless consumption experience worldwide.

Yala PayFi Universe: Start a new Bitcoin lifestyle

Yala is building a complete BTC asset yield ecosystem, leveraging its stablecoin $YU to create a closed loop from BTC → Yield → Consumption, achieving a 7x24 hour earning DeFi + RWA ecosystem. Users can easily pay for daily expenses without liquidating their BTC.

From DeFi yield strategies to RWA investment products, and to the one-click Lite Mode fixed income entry, Yala makes “holding coins to earn interest and spending the interest” within reach, truly realizing Bitcoin as a source of income and a cornerstone of payment in daily life, from purchasing coffee to business trips, from online shopping to investment and wealth management, forming a complete Bitcoin-native living ecosystem.

Yala will continue to expand the $YU ecosystem, constantly integrating offline payment networks, online liquidity systems, and compliant stablecoin channels to promote the comprehensive implementation of Bitcoin yield-based consumption methods.

Technical Architecture: Multi-mode product matrix supporting 24/7 revenue generation

Yala has launched various product modes including Pro Mode, Lite Mode, and AI Yield Agent. Its system operates on the $YU stablecoin, which is a stablecoin backed by over-collateralized Bitcoin, and its solution greatly likely achieves the self-sovereignty emphasized by Bitcoin.

By integrating DeFi and real-world asset (RWA) protocols, users’ over-collateralized Bitcoin can generate sustainable returns 24/7, with these returns directly flowing into users’ personal or business savings accounts, and can even support an entire lifestyle, business travel, or the operating costs of small and medium-sized enterprises.

Four major revenue engines, building a “Buy Now Pay Never” ecosystem

Yala’s “Buy Now Pay Never” is supported by a powerful revenue generation ecosystem behind it:

• High-Potential DeFi Returns: Collaborating with top DeFi protocols like Pendle to offer dual APR and Berries rewards, with expected returns of around 20% APY and early mining rewards of up to 100% APY.
• Institutional-level RWA yield: Through the Yala RealYield structured product market, users can access compliant real-world asset opportunities that were 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 annualized return of 12%, plus bonus points rewards - stable and reliable income has become effortless.

Strategic cooperation alliance to promote global implementation.

The product design of stablecoin $YU naturally aligns with the lifestyle of “Living on your Bitcoin.” To ensure a silky-smooth user experience and ultra-secure sources of income, Yala is forming strategic alliances with multiple partners, including:

• A well-known financial service provider trusted by users worldwide
• Leading payment partner
• Top security solution provider

Circle Alliance Program: Yala’s joining of the Circle Alliance Program is of great significance. As the issuer of USDC, Circle holds an important position in the global stablecoin market, and its compliance and wide acceptance provide a strong trust endorsement for $YU. Since $YU can be exchanged for USDC at a 1:1 ratio 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: Established in 2017, this leading crypto payment gateway has its infrastructure covering over 300 payment channels in 173 countries worldwide. Through this partnership, Alchemy Pay will provide technical support for Yeti Card and offer fiat deposit and withdrawal services for $YU, enabling users to spend their Bitcoin earnings at millions of merchants globally. $YU will be integrated into Alchemy Pay’s comprehensive infrastructure, achieving seamless Bitcoin-supported spending within traditional payment networks, helping to bring sovereign Bitcoin funds into mainstream commerce, truly realizing “Bitcoin supported, spendable globally.”

Solayer Ecosystem Integration: $YU will be integrated into Solayer’s liquidity ecosystem and provide BTC Yield opportunities for the Solayer Emerald Card, opening up new avenues for users to deploy earnings and expanding access opportunities to multiple high-quality payment platforms.

By integrating these mature infrastructures, Yala makes $YU a truly versatile asset that can be consumed and receives native Bitcoin support. 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, Yeti Card, is a spending channel for “living off Bitcoin,” while $YU serves as a softer, digital revenue channel supporting the same vision.

In the future, Yala will continue to expand the application scenarios in these two dimensions, promoting the concept of “earning interest by holding currency and living on interest.”

By combining Yala’s liquidity engine with collaborative infrastructure, $YU is no longer just a stablecoin; it has become a bridge connecting on-chain yields with real-world consumption. The $YU ecosystem will continue to develop, with new PayFi integrations and strategic partnerships in preparation, and this growing network will provide users with more opportunities to live entirely off Bitcoin yields.

With the advancement of large-scale applications, $YU will gradually achieve seamless flow between DeFi, payments, and real-world assets. Yala will continue to drive innovation and further expand the role of Bitcoin in global finance, and this is just the beginning.

Applications are about to open, please pay attention to official updates.

Yala has stated that it will soon announce the specific application date and suggests that users keep an eye on official announcements.@yalaorg.

As emphasized by the Yala team, “Hold Your Bitcoin, Buy Now Pay Never” is not just a slogan, but the core vision behind creating a native Bitcoin lifestyle - allowing Bitcoin holders to achieve continuous returns and liquidity freedom without selling their Bitcoin.

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