Earn stablecoin yield from all the top venues in one deposit. Coverage is built into every allocation, so your capital stays protected while it earns.
If a covered protocol suffers a loss, Protected deposits are unaffected. The coverage layer absorbs the impact automatically, so your capital stays whole and available. Try the simulator →
Your deposits spread across the top audited protocols on Solana and Ethereum, so no single protocol failure can affect your principal.
Every position and allocation is visible on-chain, verifiable by anyone at any time.
Lulo allocates across the top stablecoin lending protocols, weighted by TVL and rate. The same principle that made the S&P 500 the most trusted investment in history, applied to stablecoin yield.
Active management introduces discretionary risk. Lulo replaces it with a systematic, transparent framework.
Five independent audits, 50+ live integrations, and over $100M in protected capital. Trusted by Solflare, Fuse, Decaf, and more.
Integrate via API and go live in days. Your users earn Protected yield by default while you earn fee share.
RESTful API. Generate deposit and withdrawal transactions with a single call.
Every deposit through your integration gets Protected coverage automatically.
Solflare, Fuse, Decaf, and more. Production-proven infrastructure.
Lulo Protected is a DeFi yield product that gives you diversified exposure to the top lending and yield protocols, with automated smart contract coverage built into every deposit. Your capital earns yield across Morpho, Kamino, Maple, Pendle, and more, while the coverage system protects your principal if anything goes wrong with a covered protocol.
Coverage is enforced at the smart contract level and designed to handle a total loss in any single integrated protocol. If a covered protocol suffers a loss from an exploit, oracle failure, or bad debt event, the system compensates your deposit automatically. You don’t need to file a claim, wait for approval, or take any action.
Smart contract exploits, oracle failures, and bad debt events affecting the integrated protocols. The coverage does not extend to systemic risks outside Lulo’s control, such as Solana network outages or stablecoin depegging events.
Protocols are weighted by TVL and lending rate using transparent, rules-based criteria. Think of it as the S&P 500 approach applied to stablecoin yield. The allocation is designed to update as on-chain conditions change.
Lulo currently allocates across Morpho, Kamino, Maple, Pendle, Jupiter, Drift, MarginFi, Manifest, and Neutrl, spanning both Solana and Ethereum.
Boost is the higher-yield counterpart to Protected. Boost depositors earn additional yield by underwriting the coverage system. In exchange for taking on the risk of compensating Protected depositors if a covered protocol fails, Boost depositors receive their own lending yield plus a share of Protected depositors’ interest. Boost is designed for users who are comfortable with higher risk in exchange for higher returns.
Yield varies based on market conditions and protocol rates. Lulo’s allocation is informed by prevailing lending rates across integrated protocols, and current rates are always visible in the app.
Lulo charges a 10% performance fee on the yield generated. There are no deposit fees, withdrawal fees, or hidden costs.
Lulo has been independently audited five times by Certora, Halborn, OtterSec, Offside Labs, and Sec3.
Protected deposits can be withdrawn at any time with no lockup. Boost deposits have a lockup period since they underwrite the coverage system and need to remain available to compensate Protected depositors if a covered event occurs.
Most vaults rely on an active manager making discretionary allocation decisions. Lulo uses a systematic, rules-based approach informed by TVL and lending rate, combined with automated smart contract coverage. Every position is on-chain and verifiable, so you can see exactly where your capital is at any time.
Yes. Lulo offers a RESTful API that lets wallets, apps, and platforms offer Protected yield to their users. Over 50 integrations are live in production today, including Solflare, Fuse, and Decaf. Visit dev.lulo.fi to get started.