Yielna Earn
Earn is where reading turns into a position. Osero is the first integration and the savings rate is the first destination, both chosen because they are the plainest things to get right. More are being built behind them.
Sky sets the rate
sUSDS is an ERC-4626 vault built on USDS, Sky's stablecoin. It accrues the Sky Savings Rate. Sky sets that rate, and it moves.
Osero moves the money
Osero is an integration layer, not a protocol and not the yield source. It converts your stablecoin into the vault asset, and back out again.
Two different things are worth separating here, because they are constantly confused.
What Yielna shows you is everything: staking, lending, liquidity provision, restaking, fixed-rate products, savings rates, across hundreds of protocols and more than two hundred chains. All of it browsable, all of it with health scores and the market read attached, none of it requiring a wallet to look at. That is the dashboard, and it is deliberately unopinionated about what you should do.
What Yielna will execute for you is a much shorter list, and grows deliberately. A position you can open in one tap is a position someone will open without reading, so the bar for adding one is higher than the bar for listing one. Here is the shape of it, with each item labelled by where it actually stands.
Live today
Deposit USDC and hold sUSDS, which accrues the Sky Savings Rate continuously. No lock-up, no notice period, no minimum. Withdraw whenever you want, back to USDC. It is the plainest yield in DeFi, and it is the right thing to be first.
Next
The same destination reached from GHO, PYUSD, USDe, RLUSD, USDT and the rest of the catalogue, and from whichever chain you already hold them on. The code path is written and waiting on Osero's hosted swap service.
Then
Supplying USDC to Aave, Compound or Morpho is the other obvious stablecoin yield, and it usually pays more than a savings rate in exchange for utilisation risk. Having both in one place, with their rates and health scores side by side, is the point of putting them here at all.
Then
ETH and SOL through the major liquid staking protocols, so the receipt token lands in your own wallet and stays usable. A different risk shape from stablecoins entirely, which is why it arrives with the market read attached rather than as another row.
Being explored
Locking a known return to a maturity date instead of floating with the market. Genuinely useful when rates look likely to fall, and a meaningfully more complicated thing to present honestly, which is why it is behind the others.
Not planned
Recursive lending, concentrated liquidity and restaking stacks are all real strategies and all readable on the dashboard with their health scores and market context. None of them is going to become a one-tap button in here.
No leverage, no looping, no liquidity provision with impermanent loss attached, and no farm whose headline number depends on an emissions schedule that ends. Those exist, plenty of them are on the dashboard, and you can go and read about them there with the market layer beside them.
Earn is the other thing. A product that spends its time showing you risk signals has no business making its own one-click option the risky one, so what goes in here is the boring end on purpose.
Live now
One route, working end to end: USDC in, sUSDS held at your own address, accruing the Sky Savings Rate, and out again whenever you want it. Osero handles the conversion in both directions.
Being worked on
The near-term work is the full stablecoin catalogue and cross-chain routes, both of which unlock together with Osero's hosted swap service. Beyond that, more integrations so Earn is not a single destination.
We would rather ship one route that behaves correctly than five that mostly do, so nothing appears in Earn until it works end to end, and anything not yet connected says so on screen at the moment you reach for it rather than failing later at the signing step.
If a stablecoin or a chain you want is missing today, it is missing for a reason that is written down somewhere on this page, not because it was forgotten.
Assets
USDC only
Other stablecoins such as GHO, PYUSD, USDe, RLUSD and USDT need Osero's hosted swap service, which is not connected yet. Once it is, they arrive together with cross-chain routes.
Chains
Ethereum costs more in both transactions and gas. Base or Arbitrum is the cheaper route for the same result.
Your deposit stays on the chain you made it on, and a withdrawal returns to that same chain. Moving between chains arrives with the hosted swap service, not before.
Deposit or withdraw, chosen first and colour-coded so the two are never confused. USDC on any of the five supported chains, with your balance shown before you type.
Every deposit is previewed before anything is built. You see what you would receive, then decide.
The full list is shown before you sign, including what each one does and how many there are.
Your share count stays fixed; what it redeems for grows. The screen shows that value ticking in USDC, and what a year at the current rate would add.
A wallet is requested inside Earn and nowhere else, and only when you start a deposit or a withdrawal. No other page in the product can ask for one.
The connection is handled by Privy, an established wallet infrastructure company, and the dialogue you see when you connect is theirs rather than something Yielna built. You connect a wallet you already own. Nothing is created for you, and the integration is restricted to external wallet connectors, so an embedded wallet cannot appear by accident.
The app never sees a private key or a seed phrase, never stores or transmits a signed payload, and never takes custody. Every transaction is signed inside your own wallet, and you approve each one.
Yields vary, are not guaranteed, and depositing means interacting with third-party smart contracts. Nothing here is financial advice.
Open Earn, connect your own wallet through Privy only when you're ready, and see every transaction before you sign.
Open the app