A non-custodial money market on Sei — supply assets to earn yield, or borrow against collateral at variable rates set by the market.
Open the AppSupply USDC, SEI, WETH, WBTC, USDT, or SolvBTC and earn interest that adjusts to real-time pool utilization. No lock-up periods apply.
Deposit collateral, then borrow up to the asset's loan-to-value limit. The health factor indicator shows exactly how close you are to a liquidation event.
Move tokens from Ethereum, Optimism, and other EVM chains directly inside the Yei Finance interface. No need to visit a separate bridging site first.
Exchange one asset for another without leaving the app. Useful when you need to convert borrowed funds or rebalance collateral on the fly.
Every supplied or borrowed dollar accumulates points in real time. The Portfolio tab tracks your totals alongside active campaigns like the Jumper Mission rewards.
The Yei Finance platform runs a Main Market, a Solv Market, and an Injective Market — each with its own parameters so risk is contained per pool.
Private keys never leave your wallet. Smart contracts handle all deposits and withdrawals. The team behind Yei Finance cannot move user funds.
Open the Yei Finance app and connect a Sei-compatible wallet. If your tokens are on another chain, use the built-in bridge to transfer them first.
Select an asset from the Markets page, enter an amount, and confirm. You receive yield-bearing tokens representing your share of the pool — the balance grows automatically.
Once you have a supply balance, you can borrow up to its loan-to-value limit. Watch the health factor. Keep it above 1 at all times to avoid liquidation.
The Portfolio section shows your current positions, accrued interest, health factor, and points balance side by side. Repay debt or withdraw supply any time.
Active participants earn protocol points that convert to rewards during campaign periods. Check the questions page for details on the current program.
Sei is purpose-built for high-throughput trading and DeFi. Transaction finality takes roughly 400 ms. Gas costs are a fraction of Ethereum mainnet, which means more of your yield stays in your pocket.
The Yei Finance protocol borrows patterns from Aave V3, the most-forked lending codebase in DeFi. Auditors reviewed the contracts before the main market launched. You can read the security reports in the info section.
Bridging, swapping, supplying, and borrowing sit in one app. Skipping extra tools cuts down on error-prone manual steps. That is a genuine quality-of-life improvement if you regularly rebalance positions.
Over $31 million in total market size and rising. Partnership campaigns with projects like Jumper add bonus APY on top of the base rate, making the effective yield meaningfully higher during active periods.
Yei Finance is a decentralized money market protocol deployed on the Sei blockchain. Users supply assets to earn variable interest and borrow against deposited collateral without giving up custody of funds. Think of it as a peer-to-pool lending system — similar in design to what Aave introduced on Ethereum, but running on a faster, cheaper chain.
Connect a compatible wallet on the Markets page. Choose an asset — USDC is the most liquid option right now — enter the amount, and confirm the transaction. Interest accrues automatically. You can withdraw at any time as long as liquidity is available in the pool.
The Yei Finance platform's smart contracts have gone through third-party security audits before each major release. The protocol applies overcollateralization rules and liquidation thresholds drawn from the same model Aave V3 uses. No audit eliminates all risk, but the codebase has been reviewed and the security reports are publicly available.
The main market supports USDC, SEI, WETH, WBTC, USDT, SolvBTC, xSolvBTC, wstETH, frxUSD, sfrxUSD, frxETH, CLO, and WSEI. Each asset has a configured loan-to-value ratio and borrow cap set by the protocol. Rates differ per asset and shift with utilization.
You can. The interface displays supply APY, borrow APY, and health factor in plain numbers. That said, borrow positions carry liquidation risk if your collateral loses value. Read the docs before committing large amounts, and start with a small test transaction to get familiar with the flow.
Two reasons stand out. First, Sei's sub-second finality makes transactions noticeably faster than on Ethereum mainnet or even Optimism during congestion. Second, the built-in bridge and swap remove the friction of hopping between three or four separate dApps just to enter a position.
Rates are algorithmic. When a pool's borrow utilization climbs above a target threshold — say 80% — the borrow APY rises sharply to pull in more suppliers. When utilization falls, rates drop. This is the same kinked rate curve that Aave popularized and that Foundry-based forks have studied extensively in protocol testing.
A health factor below 1 means your collateral value no longer covers your debt at the required ratio. Liquidators can repay part of your debt and claim a portion of your collateral at a discount. To protect yourself, keep the health factor above 1.4 and monitor it when markets are volatile.
The Yei Finance app has a Bridge tab. Select your source chain — Ethereum, Optimism, or another supported network — pick the token, enter the amount, and confirm. Bridging typically takes 2 to 10 minutes. The funds land in your wallet on Sei, ready to supply or swap.
The protocol runs a live points program. Every dollar supplied or borrowed earns points that accumulate in real time. During campaign periods — like the current Jumper Mission offering $180,000 in rewards — bonus APY stacks on top of the base yield. Details live on the questions page.