Yala推出PayFi Universe：Hold Your Bitcoin, Buy Now Pay Never

深潮Published on 2025-07-09Last updated on 2025-07-09

Yala推出PayFi Universe生态系统，通过Yeti Card实现"持有比特币、用收益消费"的全新生活方式

比特币原生流动性协议 Yala 今日宣布推出其 PayFi Universe 生态系统，提出 “Hold Your Bitcoin, Buy Now, Pay Never 的理念，希望让比特币持有者依靠其比特币资产产生的收益来满足日常消费需求，而无需出售其比特币本金。

核心产品：Yeti Card —— 用收益生活，不动本金

Yala 的旗舰产品 Yeti Card 加密货币卡是 PayFi Universe的核心入口，致力于实现“用比特币收益过日子”（Hold Your Bitcoin, Buy Now Pay Never）的愿景：

  • 全球通用：支持所有接受Visa或Mastercard的线上线下商户

  • 移动支付兼容：完全支持Apple Pay和Google Pay

  • 多场景设计：为全球无缝消费体验而打造

Yala PayFi Universe：开启全新的比特币生活方式

Yala 正在构建一个完整的 BTC 资产收益生态，依托其稳定币 $YU 打通 BTC → 收益 → 消费 的闭环，实现7x24小时生息的DeFi + RWA生态体系。用户无需清算 BTC，就能轻松支付日常支出。

从 DeFi 收益策略 到 RWA 投资产品，再到一键式的 Lite Mode 固收入口，Yala 让“持币生息，用息花钱”变得触手可及，真正实现让比特币成为日常生活的收入来源和支付基石，从咖啡购买到商务出差，从在线购物到投资理财，形成一个完整的比特币原生生活生态圈。

Yala将持续扩展 $YU生态体系，不断整合线下支付网络、线上流动性体系以及合规稳定币渠道，推动比特币收益型消费方式全面落地。

技术架构：多模式产品矩阵，支撑24/7收益生成

Yala 已推出包括 Pro Mode、Lite Mode 和 AI 收益代理在内的多种产品模式。其系统基于 $YU 稳定币运行，这是一种由比特币超额抵押的稳定币，其解决方案极大可能地实现了比特币所强调的自我主权（Self-Sovereign)。

通过整合 DeFi 和真实世界资产（RWA）协议，用户的超额抵押比特币能够 24/7 产生可持续收益，这些收益直接流入用户的个人或商业储蓄账户，甚至可以支撑整个生活方式、商务旅行甚至是中小企业的运行费用。

四大收益引擎，构建"Buy Now Pay Never"生态

Yala 的 "Buy Now Pay Never" 其背后有一个强大的收益生成生态系统作为支撑：

  1. 高潜力DeFi收益：与 Pendle 等顶级 DeFi 协议合作，提供双重 APR 和 Berries 奖励，预期收益约20% APY，早期挖矿奖励可达100% APY

  2. 机构级RWA收益：通过 Yala RealYield 结构化产品市场，用户可接触此前仅向机构开放的合规真实世界资产机会

  3. 三重奖励流动性：向 Yala 稳定池提供流动性可获得三重奖励加成

  4. 零门槛固定收益：在Yala Lite Mode模式下，用户只需一键存入 $YU 或 $USDC，AI 代理自动执行投资策略，提供稳定的 12% 年化收益，外加倍增积分奖励——稳定可靠的收益变得毫不费力

战略合作联盟，推动全球落地

稳定币 $YU 的产品设计天然契合 “Living on your Bitcoin” 的生活方式。为了确保丝般顺滑的用户体验和超安全的收益来源， Yala 正在与多家合作伙伴建立战略联盟，包括：

  • 全球用户信赖的知名金融服务提供商

  • 领先的支付合作伙伴

  • 顶级安全解决方案提供商

Circle Alliance Program：Yala 加入 Circle 联盟计划意义重大。Circle 作为 USDC 发行方，在全球稳定币市场具有重要地位，其合规性和广泛接受度为 $YU 提供了强大的信任背书。由于 $YU 可以 1:1 免费兑换成 USDC，而 USDC 作为合规的支付渠道被广泛接受，这一合作将极大加速 $YU 的主流采用，并通过更广泛的合规渠道连接市场。

Alchemy Pay合作：这家成立于 2017 年的领先加密支付网关，其基础设施已覆盖全球173个国家的300多个支付渠道。通过此次合作，Alchemy Pay 将为 Yeti Card 提供技术支持，并为$YU提供法币出入金服务，让用户能够在全球数百万商户中使用比特币收益进行消费。$YU将整合到 Alchemy Pay的综合基础设施中，实现在传统支付网络中的无缝比特币支持消费，帮助将主权比特币资金引入主流商业，真正实现“比特币支持，全球可花”。

Solayer生态整合：$YU 将整合到 Solayer 的流动性生态系统中，并为 Solayer Emerald Card 提供 BTC Yield 机会，为用户开辟新的收益部署途径，并扩展多个优质支付平台的接入机会。

通过接入这些成熟的基础设施，Yala 使 $YU 成为一个真正多功能的资产，既可消费又获得比特币原生支持。Yala 的核心使命是为比特币持有者释放资本效率，通过 MetaMint 让用户可以铸造由原生比特币支持的 $YU，获得便携式流动性而无需面临清算风险。

行业分析与未来展望

Yala 强调，其数字货币卡 Yeti Card 是实现"依靠比特币生活"的消费渠道，而 $YU 则作为支持同一愿景的更软性、数字化收益渠道。

未来，Yala 将持续拓展这两个维度的应用场景，推动“持币生息、用息生活” 的理念深入人心。

通过结合 Yala 的流动性引擎与合作基础设施，$YU 不再只是一种稳定币，更成为连接链上收益与现实世界消费的桥梁。$YU 生态系统将持续发展，新的 PayFi 集成和战略合作伙伴关系正在筹备中，这个不断增长的网络将为用户提供更多完全依靠比特币收益生活的机会。

随着大规模应用的推进，$YU 将逐渐实现 DeFi、支付和真实世界资产之间的无缝流动。Yala将持续推动创新，进一步拓展比特币在全球金融中的作用，而这一切，才刚刚是开始。

申请即将开启，敬请关注官方动态

Yala表示将很快公布具体的申请日期，建议用户持续关注官方公告 @yalaorg。

正如Yala团队所强调的，"Hold Your Bitcoin, Buy Now Pay Never" 不只是一句口号，而是其打造比特币原生生活方式的核心愿景——让比特币持有者在不出售比特币的前提下，实现持续收益与流动性自由。

敬请期待更多更新。

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