Save in dollars.
Own every dollar,
on-chain.
YoloStack is a universal, programmable savings protocol. Every savings plan is an immutable on-chain vault with configurable rules, transparent accounting, and ownership you can verify yourself.
Savings infrastructure
wasn’t built for this.
Trust in group savings
Shared vaults are enforced by immutable contract logic instead of a trusted organiser — no one can vanish with the pool.
Group vaults are joinable during a fixed window. Once that window closes, membership and rules are locked for the life of the vault.
Savings discipline
Locked vaults with an on-chain, non-negotiable maturity date. No early withdrawal, no exceptions, no willpower required.
Maturity is set once, at creation, as part of the vault’s configuration — there is no governance vote or admin key that can move it.
Idle cash losing value
Dollar-denominated, yield-bearing savings instead of cash sitting idle and eroding against inflation.
Yield flows in from Aave v3 on Base. Vaults never touch DeFi protocols directly — the surface area stays small and auditable.
Fragmented products
One programmable protocol powers every savings experience — not a separate, unaudited system per product.
Solo, Group, and Time vaults are configuration, not separate codebases. New vault types ship without a new audit cycle.
No administrator override
Nobody — including the vault creator — can change contribution rules, maturity dates, or redemption rights once a vault is live.
Not even YoloStack’s own team holds a key that can pause redemptions or redirect funds once a vault is active.
Publicly verifiable
Every vault is its own on-chain object. Anyone can verify its rules and accounting directly — nothing is taken on faith.
A vault’s balance, rules, and accounting can be read straight from Base — no dashboard, API key, or trust required to check it.
Ownership follows
the NFT.
Every participant is minted a Position NFT — not a collectible, but cryptographic proof of their principal, accrued yield, and redemption rights. It is not a record kept by YoloStack; it is the ownership itself.
Vault lifecycle
A protocol,
not a vault.
Every savings plan deploys its own lightweight, publicly addressable contract — but it never holds funds. Every plan forwards its operations into one central protocol contract, which performs all custody, accounting, and settlement.
From deposit to yield
in four steps.
Open on Telegram
Search @YoloStackBot or tap any link. No download, no app store. The protocol lives inside Telegram as a Mini App.
Sign in — one tap
Telegram auth if you're already inside Telegram. Email or wallet via Privy otherwise. An embedded wallet is created automatically. No seed phrases, ever.
Configure your vault
Choose a template — Solo, Group, or Time. Duration, base yield, and rules are set by the template and become immutable the moment the vault is created.
Save, verify, redeem
Deposit, watch yield accrue on-chain, and redeem your principal plus settled yield at maturity — independently, with no admin in the loop.
Save and move value
across what you already use.
Platforms
Assets
One protocol.
Three configurations.
Every vault runs on the same audited protocol and settlement engine. Only the participation rules change — not the guarantees.
Solo
A private vault, configured and owned by a single participant. Contribute once or keep adding funds on a recurring schedule.
Open on TelegramWhat’s included?
Group
Ajo, esusu, njangi — reimagined on-chain. Marked joinable, so other participants can join under one shared set of rules.
Open on TelegramWhat’s included?
Time
A fixed-maturity configuration of the same protocol. Funds stay inaccessible until maturity, while yield accrues throughout.
Open on TelegramWhat’s included?
Additional configurations — family savings, employer-sponsored plans, community funds — ship as new templates on the same protocol, not new contracts. Strategy Vaults, which layer advanced yield strategies onto the same ownership and settlement model, are in development.
Insights
& Docs
Technical documentation for the protocol — architecture, state machine, and accrual math, written for anyone evaluating or building on YoloStack.
Browse the docsGetting Started
Trust Guarantees
What to read before the implementation details — what the protocol guarantees, and what it deliberately doesn’t.
Architecture
Vault Lifecycle
Pending, Active, Matured, Settled, Archived — and why a vault’s status is derived, never stored.
Getting Started
Configuration Over Isolated Systems
Why the protocol has no concept of product branding, and how new savings experiences ship as configuration.
Stop trusting people.
Start trusting code.
Every YoloStack vault runs on an immutable, audited protocol — transparent accounting, on-chain ownership, and settlement that no administrator, including us, can override.
Open YoloStack on TelegramFree to start · No wallet setup required · Yield is variable — read the Risk Disclosure