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 a stablecoin and hold sUSDS, which accrues the Sky Savings Rate continuously. No lock-up, no notice period, no minimum, and you can withdraw at any moment. Where it can go back out depends on where the sUSDS is held, which the app states before you deposit. It is the plainest yield in DeFi, and it is the right thing to be first.
Live today
The same destination reached from USDC, USDT, USDe, GHO, PYUSD, RLUSD and the rest of the catalogue, across thirteen chains. Coming out, a position on Ethereum can become any of them on any chain; one sitting on Base, Arbitrum, OP Mainnet or Unichain redeems for USDC on that same chain, because the savings-rate contracts pair the two locally. Routing is Osero’s; the swap and the bridge are Enso’s, over Stargate.
Possible in future
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.
Possible in future
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.
Held to a higher bar
Recursive lending, concentrated liquidity and restaking stacks are all readable on the dashboard today, health scores beside them. Turning one into a position someone takes in a single tap is a different bar: it clears only when a curator runs the leverage, the position stays legible throughout, and the risk is stated as plainly as the return.
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.
Leverage is worth being exact about rather than comforting. Nothing in Earn is leveraged: a deposit buys sUSDS and holds it, and there is nothing borrowed against it. If a leveraged option is ever added it arrives as a named second choice — never the default, never what you get by not choosing, and never shown with its rate and not its liquidation risk.
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 sits in the default path is the boring end on purpose.
Assets
Any supported stablecoin
USDC, USDT, USDe, GHO, PYUSD, RLUSD and the rest of Osero's catalogue — deposit from any of them, on any of the thirteen chains.
Coming back out is not always the same set, and the difference is worth knowing before you put money in. Almost every deposit ends up as sUSDS on Ethereum, and that position can be withdrawn to any stablecoin on any supported chain. A deposit of native USDC on Base, Arbitrum, OP Mainnet or Unichain instead mints sUSDS on that chain, and it redeems for USDC there — the savings-rate contracts pair the two locally, so that position does not become a different stablecoin. The app says which case you are in, in the card, before you sign.
Anything that is not native USDC on a savings-rate chain is routed by Osero and executed by Enso, whose bridge runs over Stargate. That adds a step and a little time. The app shows the full transaction list before you sign either way.
Chains
Five hold the savings-rate contracts, so a deposit there is direct — the fewest transactions, no bridge.
Ethereum costs more in both transactions and gas. Base or Arbitrum is the cheaper route for the same result.
Eight more are reachable through Osero, with an Enso bridge to a vault chain on the way:
A bridged route adds a step, a wait while it settles, and a bridge fee. All three are shown in the quote before you sign anything.
A deposit made on a savings-rate chain stays on that chain, and withdraws there — Base to Base, Arbitrum to Arbitrum. Everything else lands as sUSDS on Ethereum, and from there a withdrawal can go to any stablecoin on any supported chain. Anything that has to cross is bridged by Enso, over Stargate, which adds a transaction, a wait while it settles, and a messaging fee in the chain's own coin. That fee belongs to the bridge: Osero routes and quotes but neither sets nor takes it, and neither does Yielna. It is payable by the account itself even where a wallet sponsors gas, because it travels with the transaction. The quote shows all of it before you sign, and the step list names the bridge as its own step.
Deposit or withdraw, chosen first and colour-coded so the two are never confused. Any supported stablecoin, on any supported chain, with your balance read from the chain before you type — and a shortfall named at the field rather than at the end.
Every deposit and withdrawal is priced before anything is built. You see what you would receive, what the route costs, the network fee in the chain's own coin, and how long the quote stays valid.
The full list is shown before you sign: what each one does, which contract it touches, and how many there are. Where a spend approval has to come first, the second prompt is listed as a step of its own, because an approval on its own moves nothing.
Each transaction is marked off as it confirms, with its hash. A route that crosses chains keeps being tracked after the last signature — through a reload, and through a failure that the bridge is recovering from on its own.
A quote is a snapshot. The router prices a route by simulating it at that moment, and a route that was sound when it was quoted can stop working a minute later — liquidity moves, a pool changes, an intermediate step stops being available. Signed as-is, that is a wallet prompt, a fee, and a transaction that reverts: a failure you pay for and could not have seen.
So the plan is replayed against the chain before you are asked to sign it. If it would revert, the app asks Osero for the route again rather than showing you an error, and only says something if several consecutive quotes all fail. Nothing is signed at any point in that check, so a stale quote costs nothing.
The same check reads what the transaction needs in the chain's own coin — the bridge fee it carries plus its gas — against what the account holds, and says so at the review rather than at the wallet. A wallet that sponsors gas does not cover a bridge fee: that travels with the transaction and comes out of the account either way.
A deposit is more than one transaction. Native USDC on a savings-rate chain is two — an approval, then the deposit itself. Anything routed through a swap, or a deposit on Ethereum where the path runs through two contracts, is up to four. Every one of them is listed before you sign the first.
Some wallets can take the whole list in one approval. Smart accounts do it natively, and an ordinary wallet can once it has delegated under EIP-7702 — the standard that lets a normal address behave like a smart account. Where that is available, four prompts become one tap.
Yielna does not guess which wallet you have. It asks yours whether it supports batching, and takes the answer: if it does, the plan goes over in a single request; if it does not, or if that request fails for any reason, the app falls back to signing one at a time exactly as it always has. Nothing is submitted until the whole batch is accepted, so a wallet that cannot do it never leaves a deposit half-done.
A smart account is handled differently again, and deliberately. Accounts like these price their own transactions — a sponsor, a paymaster, a bundler that costs the whole operation — so the app sends the transaction and nothing else: no gas limit, no fee fields, no nonce. Naming a gas limit for an account that computes its own is how a sound transaction gets refused before it is ever broadcast.
The step list stays on screen either way. Fewer prompts is the only thing that changes — not how much you are told about what you are approving.
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.
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