Your funds.
Built to earn.
A non-custodial yield optimisation platform that automatically routes funds to trusted DeFi lending protocols across 6 blockchains.
This document is provided for informational purposes only and does not constitute financial, investment, or legal advice. Activities involving crypto-assets and DeFi protocols are inherently risky and may result in partial or total loss of assets.
Table of Contents
Executive Summary
Yieldforce is a non-custodial yield aggregation platform that enables retail and institutional suppliers to earn returns on their crypto assets by directly allocating funds to integrated DeFi lending protocols, including Aave and Morpho. The platform operates across 6 EVM-compatible blockchains and provides a simple, transparent interface requiring no prior crypto knowledge.
Unlike centralised crypto yield platforms, Yieldforce never takes custody of user funds. Capital is allocated directly to integrated lending protocols through audited smart contracts, and users retain full ownership and unrestricted withdrawal rights at all times.
Key Principles
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Non-custodial:Yieldforce never holds user funds. Capital is allocated directly to integrated lending protocols on-chain. You stay in control.
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Transparent pricing:A 15% performance fee applies on yield earned only. No deposit fees, no withdrawal fees, no subscriptions. We earn only when you earn.
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Free platform access:No subscription, deposit, withdraw or management fee. The performance fee is the only charge and applies solely to yield generated.
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On and off ramp:Suppliers can fund their account via bank card, credit card, SEPA transfer, SEPA Instant, Google Pay, or Apple Pay through integrated third-party providers. On-ramp fees are set by those providers and are separate from Yieldforce fees.
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Cross-chain:Funds can be routed across all 6 supported blockchains from a single dashboard with automated asset swaps.
Problem Statement
The decentralised finance ecosystem has created unprecedented opportunities for individuals to earn yield on crypto assets without relying on centralised intermediaries. However, significant barriers prevent most people from participating effectively.
Sleeping Money
Globally, trillions in household wealth sit idle in low-yield savings accounts, generating returns that consistently fall below the rate of inflation. In real terms, dormant capital loses purchasing power every year. Meanwhile, structural shifts in the global economy are driving a growing segment of retail investors to seek alternative income streams, sources of yield that operate independently of employment and compound over time. Capital allocation is no longer a concern reserved for institutions. The challenge for the individual investor is access, not ambition.
Ownership of Funds
Traditional banks and centralised financial institutions have the legal authority to freeze your account without notice. Whether triggered by regulatory orders, internal compliance decisions, or insolvency proceedings, users can find themselves locked out of their own funds with no recourse. This is not a theoretical risk: it happens regularly across the world.
Centralised crypto yield platforms carry the same vulnerability. Celsius and Voyager both froze user withdrawals before entering bankruptcy, resulting in permanent losses for their depositors. In both cases, users had handed custody to a third party and lost the ability to act.
The self-custodial model eliminates this risk at the architecture level. In Yieldforce, funds are allocated directly to lending protocols through smart contracts that only the user can interact with. No bank, no regulator, and no Yieldforce employee can freeze, redirect, or confiscate a user's position. Ownership is enforced by code, not by policy.
Complexity
Interacting directly with DeFi protocols requires deep technical knowledge: configuring wallets, signing transactions, managing gas fees across multiple chains, understanding liquidation mechanics, and evaluating smart contract risk. This complexity excludes the vast majority of potential participants, including many who are actively seeking exactly the kind of passive yield DeFi can offer. Existing aggregators improve on raw protocol access but still demand a level of expertise and active management that most users cannot sustain.
Solution Overview
Yieldforce solves these problems by aggregating yield opportunities across multiple chains into a single clean interface, while maintaining non-custodial principles throughout. The platform is built for everyday users with no prior crypto knowledge required. Technical complexity is handled entirely by the platform, while all the security benefits of on-chain execution are preserved.
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Non-custodial architecture:You own your funds at all times. Yieldforce has no access to your private keys and no ability to hold, freeze, or move your funds. Capital is allocated directly to integrated lending protocols through audited smart contracts, entirely under your control.
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On and off ramp support:Users can fund their account directly with a bank card, credit card, SEPA transfer, SEPA Instant, Google Pay, or Apple Pay through integrated third-party providers. No crypto wallet or exchange account required to get started. Provider fees apply.
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Cross-chain swaps:Assets can be moved between all 6 supported blockchains automatically. Yieldforce handles swapping and routing without requiring users to manage transfers manually.
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Auto-compounding:Yield is automatically compounded by default, continuously reinvesting earnings to maximise returns. Users who prefer a regular income can opt for automatic monthly withdrawal of yield directly to their wallet instead.
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Smart notifications:Stay informed with multiple notification types covering liquidity shifts across pools, yield landing in your wallet, higher-performing pools becoming available, and other portfolio events relevant to your positions.
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Real-time portfolio dashboard:Account value, TVL, earnings, and per-portfolio performance visible at a glance, no spreadsheets, no manual tracking.
Competitive Landscape
The DeFi yield aggregation market includes several established protocols. While each addresses a subset of user needs, none combines accessible onboarding, non-custodial architecture, cross-chain automation, and a transparent fee model in a single product. Yieldforce currently integrates Aave, Morpho, and Spark.fi (Sky Savings Rate) as live yield sources, with additional protocols on the roadmap. The table below compares Yieldforce against the six most widely used yield aggregators across the dimensions that matter most to end users.
| Feature | Yieldforce | Yearn | Beefy | Convex | Harvest | Idle | Vesper |
|---|---|---|---|---|---|---|---|
| Accessibility | |||||||
| Fiat on-ramp (bank card, SEPA, Google / Apple Pay) | — | — | — | — | — | — | |
| No crypto wallet required | — | — | — | — | — | — | |
| No crypto knowledge required | — | — | — | — | — | — | |
| Smart notifications | — | — | — | — | — | — | |
| Monthly yield auto-withdrawal option | — | — | — | — | — | — | |
| AI yield advisor (Scout) | — | — | — | — | — | — | |
| Referral program (earn 15% of performance fee collected from invited users) | — | — | — | — | — | — | |
| Yield Strategies | |||||||
| Lending (Aave) | — | ||||||
| Optimised lending (Morpho) | — | ||||||
| Savings (Spark.fi / Sky Savings Rate) | — | — | — | — | — | ||
| Leveraged lending | SOON | — | — | — | — | — | |
| Market neutral | SOON | — | — | — | — | — | |
| Trading fees / LP | SOON | — | — | ||||
| Infrastructure | |||||||
| Non-custodial | |||||||
| Multi-chain | PART. | — | — | — | — | ||
| Cross-chain asset swap (automatic) | — | PART. | — | — | — | — | |
| Cross-chain swaps (user funds) | — | — | — | — | — | — | |
| Automated gas fee management | — | — | — | — | — | — | |
| Real-time portfolio dashboard | — | ||||||
| Crypto transfers between wallets | |||||||
| Fees | |||||||
| No deposit fee | |||||||
| No withdrawal fee | |||||||
| No management fee | — | ||||||
| Performance fee on yield | 15% | 20% | ≤9.5% | 17% | N/D | 10–15% | N/D |
How Yieldforce Works
Yieldforce is operational in three steps, requiring no DeFi expertise, no manual wallet configuration, and no gas fee management.
Create your portfolio
Sign up and create a named portfolio. The platform presents available yield pools filterable by blockchain and asset, each showing real-time utilisation and implied APY. No minimum balance is required to browse.
Fund it
Transfer crypto from an existing wallet, or purchase directly via an integrated on-ramp using a bank/credit card or SEPA/Instance transfer. On-ramp fees are determined by the provider. funding.
Activate and earn
Yieldforce automatically routes funds to the target DeFi lending protocol. Yield is generated through the selected yield strategy and reflected in the portfolio balance in real time.
Lending Protocol Mechanics
Yieldforce routes capital across integrated protocols and strategies. Depending on the active yield strategy, returns are generated differently and distributed continuously to the user's account. Yieldforce currently supports two out of five strategies: Lending and Optimized Lending.
Yield Strategies
Yieldforce will offer six distinct yield strategies at full launch. Each strategy targets a different risk/reward profile, allowing users to choose an approach that matches their goals.
Lending
Funds are supplied to Aave lending pools. Borrowers pay interest to access liquidity that interest flows directly to depositors. Low risk, variable APY, withdraw any time.
Optimized Lending
Morpho curated vaults continuously rebalance across lending markets to capture the highest available yield on each asset. Same risk profile as lending, higher returns.
Savings
Stablecoins are deposited into Spark.fi's savings vault, earning the Sky Savings Rate. No lock-up, daily compounding, and backed by the Sky Protocol.
Leveraged Lending
Borrow against supplied collateral and re-lend to multiply effective yield position across lending markets through recursive strategies.
Market Neutral
Delta-neutral strategies that generate yield independent of whether crypto markets go up or down. Stable yield, market independent.
Trading Fees
Provide liquidity to decentralised exchanges and collect a share of every trade made against your position. Returns tied to trading volume rather than interest rates.
Supported Blockchains
Yieldforce currently supports 6 major EVM-compatible blockchains. The number of available yield strategies varies per blockchain.
| Chain | Category |
|---|---|
| Ethereum | L1 |
| Polygon | L2 / Sidechain |
| Optimism | L2 Rollup |
| BNB Chain | L1 |
| Arbitrum | L2 Rollup |
| Base | L2 Rollup |
Fee Structure
Yieldforce operates on a simple, fully transparent fee model. Platform access is free. There are no deposit, withdrawal, or management fees. Revenue is generated through a performance fee on yield earned and a small on-ramp fee to prevent abuse.
| Fee | Amount | Detail |
|---|---|---|
| Platform access | Free | No registration, subscription, or usage fee |
| Deposit fee | None | No deposit fees |
| Withdrawal fee | None | No withdraw fees |
| Transfer fee (crypto) | None | Transferring crypto to your account is free |
| Management fee | None | No ongoing percentage of assets under management |
| Referral reward | 15% of performance fee | Paid to the referrer from Yieldforce's performance fee share. No additional cost to the referred user |
| On/Off-ramp fee | 0.2% | Applied on fiat-to-crypto conversions to prevent abuse |
| Cross-chain swap fee | 0.25% | Applied on the value of each cross-chain swap |
| Performance fee | 15% | 15% of yield only, never on deposited principal |
The performance fee model aligns Yieldforce's revenue directly with user outcomes. A 15% fee is applied on yield earned only, never on deposited principal. Users who deploy capital and leave it to compound incur no charge during periods of low yield, and pay more only as their returns grow. The longer capital remains deployed and compounding, the more both the user and Yieldforce benefit.
Security
Non-custodial smart contracts
Yieldforce operates exclusively through audited smart contracts. The platform holds no private keys and has no unilateral access to user funds. All fund movements require explicit, user-initiated on-chain transactions.
Audited protocol integrations
Aave and Morpho are among the most rigorously audited protocols in DeFi. Both maintain extensive public audit histories from leading security firms including Trail of Bits, OpenZeppelin, and Certora. Yieldforce exclusively integrates protocols that meet this standard of independent security review.
Protocol selection criteria
Only DeFi protocols meeting strict criteria for audit history, time-in-market, TVL stability, and governance quality are eligible for integration. Aave and Morpho are the initial core integrations, chosen for their track record and security posture.
24/7 automated monitoring
Application and infrastructure monitoring runs continuously through Microsoft Azure, detecting abnormal activity across the platform in real time. Circuit breakers can pause portfolio operations in the event of detected anomalies, protecting user funds during potential exploit events.
Penetration Test Results
The Yieldforce platform underwent an independent third-party penetration test on 23 March 2026, prior to launch. All findings have been reviewed and resolved. No critical or high severity issues were identified.
| Risk level | Found | Reviewed | Fixed |
|---|---|---|---|
| Critical | 0 | 0 | 0 |
| High | 0 | 0 | 0 |
| Medium | 2 | 2 | 2 |
| Low | 4 | 4 | 4 |
| Informational | 0 | 0 | 0 |
| Total | 6 | 6 | 6 |
| # | Finding | Risk level | Fixed |
|---|---|---|---|
| 1 | Improper Input Sanitization | Medium | Yes |
| 2 | DMARC Quarantine/Reject Policy | Medium | Yes |
| 3 | SSL/TLS Weak Cipher Suites | Low | Yes |
| 4 | Lack of DNS CAA Record | Low | Yes |
| 5 | Cookies without HTTPOnly Flag Detected | Low | Yes |
| 6 | No MFA Cooldown | Low | Yes |
Risk Considerations
Activities involving crypto-assets, blockchain technology, and DeFi protocols are inherently risky. Users must understand the following risk categories before depositing funds. Past performance does not guarantee future returns.
Smart contract risk
Despite independent audits, smart contracts may contain undiscovered vulnerabilities. An exploit in a protocol integrated by Yieldforce could result in partial or total loss of funds.
Market and asset risk
The value of crypto assets is highly volatile. Portfolio value denominated in fiat terms may decrease significantly even while yield is accruing in the underlying asset.
Liquidity risk
Under certain market conditions, lending protocol liquidity may be fully utilised, temporarily limiting withdrawal ability until sufficient liquidity becomes available in the pool.
Variable APY risk
Yield rates are not fixed. APY is determined by borrower demand in each lending pool and fluctuates continuously. Rates displayed are indicative only.
Regulatory risk
The regulatory environment for DeFi products is evolving rapidly. Changes in applicable law could affect platform availability or specific features in certain jurisdictions.
Bridge and cross-chain risk
Yieldforce offers an optional cross-chain swap feature for users who wish to move funds between networks. This feature relies on bridge infrastructure, which has been the target of significant exploits industry-wide. Users who remain on a single chain are not exposed to this risk. Yieldforce applies strict bridge selection criteria but cannot eliminate it entirely.
On-ramp provider risk
On-ramp services are provided by independent third parties. Yieldforce is not responsible for on-ramp availability, pricing, or compliance requirements imposed by those providers.
Roadmap
The following roadmap reflects current planning and is subject to change based on market conditions, regulatory developments, and user feedback.
Legal & Compliance
Company Information
Yieldforce is incorporated in The Netherlands. The registered office is located at Boogschutterstraat 1, 7324 AE, Apeldoorn, The Netherlands.
Regulatory Status
The regulatory framework applicable to non-custodial DeFi platforms is actively evolving across the EU and beyond. Yieldforce has engaged a specialist EU lawyer with deep expertise in crypto-asset regulation to review and advise on the platform's compliance obligations. The following regulatory frameworks are in scope of this ongoing review:
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MiCA (Markets in Crypto-Assets Regulation) the EU's primary framework governing crypto-asset service providers, issuers, and trading platforms.
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MiFID II (Markets in Financial Instruments Directive) assessed for applicability to any instruments offered via the platform that may qualify as financial instruments.
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PSD2 (Payment Services Directive 2) reviewed in relation to on/off ramp functionality and fiat payment flows integrated into the platform.
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AMLD (Anti-Money Laundering Directive) compliance with EU AML obligations including customer due diligence and transaction monitoring requirements.
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DAC8 (Directive on Administrative Cooperation) reviewed for reporting obligations applicable to crypto-asset service providers operating within the EU.
Yieldforce is a non-custodial infrastructure layer that routes capital directly to integrated lending protocols. By design, the platform does not hold, manage, or control user funds at any point. Users interact directly with on-chain protocols through their own wallets, and Yieldforce does not act as a custodian, intermediary, or financial counterparty. Users are responsible for understanding the regulatory and tax implications of DeFi participation in their own jurisdiction.
Fee Disclosure
Yieldforce charges a 15% performance fee on yield earned only. No deposit fees, no withdrawal fees. A 0.25% fee applies on cross-chain swaps. On-ramp fees are charged by independent third-party providers and are separate from Yieldforce fees. All fees are disclosed clearly in the platform interface before any transaction is confirmed.
Not Financial Advice
Nothing in this whitepaper constitutes financial, investment, legal, or tax advice. The information is provided for informational purposes only. Prospective users should conduct their own due diligence and consult qualified professional advisors before making any decision to deposit funds.
Risk Warning
Activities involving crypto-assets, blockchain technology, and decentralised finance (DeFi) protocols are inherently risky and may result in the partial or total loss of your crypto-assets. APY figures shown on the platform are variable and dependent on market conditions. Past performance does not guarantee future returns.