Ancient Mesopotamia, circa 2,000 BCE.
You’ve got a warehouse full of grain and your neighbor needs a loan. You head off to the local temple where priests act as the world’s first bankers, tracking deposits and loans with basic record-keeping.
Your neighbour loses everything by buying clay tablets with funny pictures on them — the first recorded victim of proto-memecoin trading.
Fast forward 4,000 years, and we’re still doing the same thing, only now on glitzy decentralised finance (DeFi) rails at 1 million miles per hour.
While a lot has changed since ancient times — insurance, sophisticated financial products, and now decentralisation — DeFi today still feels a lot like e-commerce in 1994. Back then, ordering a book online required a computer science degree and a prayer to the dial-up gods.
But Amazon changed everything for e-commerce, and now DeFi needs its Amazon moment.
Plug-And-Play Storefronts Needed
Setting up an online store used to mean coding everything from scratch, which is exactly how it feels to manually put together a DeFi portfolio. Builders spend months researching or integrating protocols, managing risk, and optimising yields when they could be focusing on their unique value proposition.
Enter The Yield Layer — the middleware that lets anyone build financial products without reinventing the wheel. Want to build a wallet that automatically puts idle assets to work? A subscription service that pays for itself? Or perhaps a debit card that gets filled through DeFi yields? Just plug into our infrastructure and you’re good to go.
One Million Options, One Place
Amazon made online shopping easier and more comprehensive. In the same way, DeFi needs a place where modular smart contracts can come together to create endless possibilities. Through Yelay, they can.
Our builders are already making this happen. Armor Wallet is combining AI with automated yield strategies. Perq is turning yield into token allocations, and down under, Wayex is bringing DeFi-powered debit cards to Australia.
Each solution is unique, but they all share one thing: They’re all built on infrastructure that makes sense to users and automatically puts their digital assets to work.
Next-Day Shipping
Remember the first time you ordered something online and it arrived the next day? It felt like Internet magic. That’s the kind of zero-to-one moment DeFi needs — something that gives ordinary people the “wow” factor.
Through Yelay’s infrastructure, users can deposit assets and earn yield immediately. No complex rebalancing, no yield farming anxiety, and no South Park “and it’s gone” moments.
We connect to blue-chip protocols like Aave, Compound, and Morpho. We integrate with decentralised exchange (DEX) leaders like Curve and Convex Finance. We work with staking solutions from Rocket Pool and Lido.
But users don’t need to know any of that — they just see their money growing day after day.
Make Money Make Money
The future of finance shouldn’t require taking massive risks or jumping through 100 hoops only to lose your capital. If it does, we’re going to stay stuck as an industry.
The average person doesn’t want to become a DeFi expert — they just want their money to work for them. Yelay delivers infrastructure that makes DeFi accessible, reliable, and useful because the future of finance is about making money automatically and at scale.
The temples of ancient Mesopotamia scaled finance by making it accessible. The megabanks scaled it further but introduced systemic risks. Now, it’s time for DeFi to deliver on its promise: All the accessibility of traditional finance with the resilience of decentralisation.
Welcome to the future of finance. No computer science degree required.
