FAQ

What is YieldCoin?

YieldCoin is the flagship product of Judge Finance, a Chainlink Runtime Environment (CRE)-powered, fully on-chain, Chainlink-native, cross-chain stablecoin yield operating system. It is an automated vault that takes stablecoins (such as USDC, USDT, GHO, and in the future many more) from any supported chain, continuously reallocates them to the safest and highest risk-adjusted real yield opportunities across multiple chains and protocols (including Aave, Compound, Fluid, Sky, Folks Finance, Dolomite, and more), and returns the net yield to users after a transparent 10% streaming performance fee. YieldCoin is minted and redeemed 1:1 with the underlying optimized stables and is ERC-677 compatible, enabling seamless cross-chain transfers via Chainlink CCIP. It serves as the default "yield layer" for idle stablecoins, ending the manual yield chase forever.

How does YieldCoin work?

Users deposit supported stablecoins into the YieldCoin vault from any chain. The protocol uses Chainlink CRE for off-chain APY and liquidity data monitoring, triggering rebalances to allocate capital to the optimal strategy across chains and protocols. Rebalancing decisions and messages are handled off-chain via CRE for efficiency, with on-chain settlement only when profitable after gas considerations. Yield accrues automatically, and all displayed APYs are net of the 10% fee. Users can redeem YieldCoin anytime for their original stablecoins plus accrued net yield, with instant liquidity backed 1:1 by stables and TVL. The system leverages Chainlink CCIP for secure cross-chain movements and Concero for retail-grade speeds, ensuring capital flows to the highest risk-adjusted yields in seconds, not days.

What makes YieldCoin different from other yield optimizers like Yearn, Beefy, or YO?

YieldCoin is the first Gen4 yield optimizer, built exclusively on a Chainlink-only stack (CRE, CCIP, and Concero) for secure scaling to thousands of chains with minimal counterparty risk. Unlike Gen1 (e.g., Yearn: single-chain, manual strategies) or Gen2 (e.g., Tokemak, Superform: multi-chain but with bridge risks and hidden fees), YieldCoin offers groundbreaking cross-chain vault design, net-of-fee transparency (all APYs shown are what you actually earn), built-in compliance hooks via ACE and fuzzy extractors for institutional readiness, and a pure DeFi approach with no impermanent loss, leverage, or funny tokens—only credit risk from battle-tested protocols. It charges a aligned 10% fee on yield only (no upfront or management fees), is open-source and immutable with no admin keys that can steal funds (only an EMERGENCY_PAUSER for safety), and is designed for modular expansion with minimal audits needed for new tokens/protocols. Competitors often quote gross APYs, rely on third-party bridges, or expose users to higher risks; YieldCoin prioritizes safety, transparency, and capital efficiency for superior net yields.

What stablecoins are supported?

YieldCoin supports major stablecoins including USDC, USDT, GHO. It is designed to expand modularly to additional stables as new opportunities arise, requiring minimal audits. Deposits can be made from any supported chain, with cross-chain interoperability via Chainlink CCIP.

What protocols and chains does YieldCoin integrate with?

YieldCoin reallocates across leading lending protocols such as Aave, Compound, Fluid, Morpho, Sky, Pendle, Folks Finance, and Dolomite, focusing on the safest, highest risk-adjusted yields. It operates cross-chain on all major chains, leveraging Chainlink CCIP and Concero for seamless, secure movements. The system is chain-agnostic by design, scaling to 10,000+ chains without third-party bridge risks.

How are yields calculated and displayed?

Yields are calculated based on real-time, risk-adjusted APYs from underlying protocols, monitored via Chainlink CRE. All displayed APYs are net of the 10% streaming performance fee—users see exactly what they will earn, with no hidden gross APY lies. The protocol optimizes for real, sustainable yields, accounting for factors like liquidity, slippage protection, and gas costs. Historical performance is transparent, and yields compound automatically as capital is reallocated.

What are the fees?

YieldCoin charges a transparent 10% streaming performance fee on generated yield only—there are no upfront fees, management fees, subscription fees, or withdrawal fees. Gas and bridging costs are minimized through off-chain CRE computations and Concero acceleration, effectively near-zero for users. Rebalances occur only when profitable after costs, ensuring efficiency.

How often does rebalancing occur?

Rebalancing is triggered multiple times per day via Chainlink CRE, based on off-chain data for APY, liquidity, and risk. This enables seconds-fast adjustments to capture opportunities across chains, far surpassing manual or monthly rebalances in other vaults. The protocol uses relayer competition for speed and institutional-grade safety.

Is YieldCoin audited?

YieldCoin is pre-audit stage, with a live prototype/demo built for the Chromion Hackathon, Foundry-tested for security, and Certora formal verification in progress. A full Cyfrin audit with Certora formal verification is upcoming. Nexus Mutual coverage and an independent on-chain ratings module are planned for enhanced security. The design emphasizes security in depth, with open-source, licensed, immutable contracts and no admin keys that can steal funds.

How safe is YieldCoin?

Safety is core to YieldCoin's Chainlink-native architecture. It uses only decentralized cross-chain protocols (CCIP/Concero) to eliminate third-party bridge risks—even if compromised, funds remain in audited contracts. Exposure is pure stablecoin-only, with no impermanent loss, leverage, or rehypothecation. Risk is limited to credit risk of underlying audited protocols. Built-in compliance hooks via ACE, KYC/AML and monitoring via SumSub, and an EMERGENCY_PAUSER allows pausing deposits/withdrawals in case of issues.

Can I withdraw my funds instantly? Are there any lock-up periods?

Yes, withdrawals are instant anytime, from any chain, for any amount. YieldCoin maintains 1:1 backing with stables and TVL, eliminating cooldowns or locked liquidity common in other vaults. Your funds are never hostage—redeem for original stables plus accrued net yield seamlessly.

What is the YieldCoin token?

YieldCoin is a liquid, ERC-677 / CCIP-transferable token minted upon deposit. It represents your share of the optimized stablecoin vault, accruing yield automatically. It's cross-chain compatible and can be transferred or integrated into other protocols.

How can I integrate YieldCoin into my dApp, protocol, or treasury?

YieldCoin is designed for easy integration. For protocols, DAOs (via Safe wallets), and treasuries who use SAFE wallets, we have a dedicated SAFE wallet application. For payment/fintech apps, or institutions, embed YieldCoin mint/redeem via smart contracts. An SDK/API is on the roadmap for TradFi integrations seeking compliant yield.

Who is the team behind YieldCoin?

The Judge Finance team consists of experienced Chainlink and DeFi builders who are also fully doxxed. Charles Holmes (Co-Founder & CEO, @Cholmeseth), Chris Neumann (Co-Founder & COO, @Judge_Finance), Robbie (CTO, @contractlevel), Sammed (Full Stack, @0xSam21), George (Smart Contracts, @gyorzo1), and Stef (Smart Contracts, @chain_linkd).

Specialists in Chainlink integrations, smart contract development, formal verification, and security testing, with prior experience developing and auditing defi protocols. Supported by Chainlink and Concero.