the new yield stack: infrastructure, access, and scale

A year ago, your crypto-savvy friend might have been staying up late, navigating multiple chains, managing complex dashboards, and chasing high APYs across various protocols. Meanwhile, a traditional finance investor would have been purchasing 4.5% T-bills and leaving it at that.

Today, both are asking the same question: where does capital actually work hardest?

In TradFi, yield is back-but it’s bounded. Inflation eats real returns, custody is fragmented, and assets are siloed. Bonds can’t bridge, and nothing composes.

DeFi offers structurally higher yields-driven by protocol fees, liquidity incentives, and composability. But accessing that yield means navigating smart contract risk, incentive decay, and constant protocol churn. It’s not a yield problem; it’s an access problem.

For DAOs, treasuries, and crypto funds, the opportunity is real-but so is the overhead.

What’s needed now is infrastructure: systems that abstract the chaos, route capital intelligently, and unlock programmable yield at scale. This is exactly what we’ve built in the onchain yield aggregation and optimization vaults that aarnâ has now deployed, with early participants earning yields of c18-20% through streamlined access.

At first glance, yield is yield. But comparing DeFi returns to those in TradFi is anything but straightforward.

In TradFi, yield comes from familiar sources:

• treasuries offer relatively low-risk returns driven by central bank policy.

• investment-grade bonds add a premium for borrower credit risk.

• money market instruments reflect short-term liquidity needs with minimal exposure.

These instruments rely on well-understood drivers-interest rates, credit spreads, and issuer risk-and benefit from deep liquidity, standardized benchmarks, and institutional infrastructure.

In DeFi, yield is born from a different logic entirely.

It’s driven by:

• protocol incentives (e.g. token emissions to bootstrap liquidity)

• liquidity provisioning on decentralized exchanges (DEXs)

• revenue-sharing models tied to real-world assets (RWAs), trading fees, and onchain lending

• variable rates based on onchain supply/demand

Yes, DeFi yields can run significantly higher-but they’re also fragmented, volatile, protocol-specific, and deeply layered in risk.

Accessing that yield is anything but plug-and-play. There’s:

• strategy risk to assess (smart contract risk, depeg scenarios, incentive sustainability)

• operational overhead from bridging, rebalancing, claiming, and compounding

• no standardized yield curve or benchmark rates to rely on

Each protocol is its own ecosystem. Each strategy requires diligence. What might look like a 20% APY on paper could carry multiple hidden risk vectors-many of which shift in real time.

> what it is

âtv111 is an on-chain USDC yield aggregator vault designed to optimize stablecoin capital across top-performing, risk-modeled DeFi strategies. Unlike traditional yield farming, âtv111 operates with a live allocator that automatically selects, weights, and rotates assets across lending protocols-no manual rebalancing required, and no need to chase protocol emissions.

> core mechanics

• base yield: Drawn from blue-chip protocols such as Aave and Compound v2/v3, providing stable, predictable returns.

• Merkl reward harvesting: Where eligible, the vault actively harvests rewards, boosting yield.

• $AARNA emissions: Aligned to vault activity, incentivizing engagement with the ecosystem.

• ASRT staking multipliers: Unlock up to 4× yield boosts for capital that is staked within the system.

• cross-chain expansion: Live on Ethereum with upcoming launches on Sonic and Arbitrum.

> architecture

âtv111’s modular vault logic is spread across more than nine smart contracts. Key components include:

• strategy selector: Automatically identifies and selects optimal strategies.

• passive rebalance engine: Rebalances the vault according to pre-set logic, executed on-chain without any off-chain overrides.

• swap router: Facilitates seamless asset swapping using Uniswap and 1inch.

The vault’s Net Asset Value (NAV) is transparently tracked, ensuring that all actions follow pre-defined logic with no manual interventions.

> why it matters

Vaults like âtv111 represent a leap forward in DeFi, taking the guesswork and complexity out of yield farming:

• no manual management: Automated allocation and rebalancing eliminate the need for users to chase yields across various protocols.

• fully transparent yield logic: Every decision, from asset allocation to reward harvesting, is executed on-chain, ensuring transparency and traceability.

• optimized for retail and institutional investors: Whether you’re a DAO, treasury, or crypto fund, âtv111 provides a reliable, scalable yield solution that aligns with institutional-grade needs.

At its core, âtv111 reflects the next phase of DeFi innovation by removing friction and increasing efficiency while maintaining the flexibility and composability.

> key design features

• tokenization platform: When users deposit stablecoins USDC, they receive âtv111 tokens in return, which are pegged to the vault’s NAV after a 1% deposit fee.

• cumulative swaps: Deposits are periodically supplied to the lending protocols in a single, gas-efficient transaction.

• rebalancing options: The strategy actively hunts for the best available yield opportunities across protocols. During rebalancing, it withdraws assets from the previously allocated protocol and reallocates them to another protocol offering significantly higher yields.

• withdrawals and redemption: Investors can redeem their âtv111 tokens at the prevailing NAV after waiting for at least one cumulative swap. Withdrawals are processed in USDC.

> fee distribution

The vault charges a 1% transaction fee, which is credited to the aarnâ DAO multisig wallet. While a performance fee-typically ranging from 0% to 10%-may be set by the DAO at vault creation (with profits shared between the alpha creator and the aarnâ DAO), the atv111 vault charges no performance fee, ensuring users retain 100% of the yield generated.

Depositing USDC into âtv111 routes your capital into top DeFi strategies for stable, low-volatility yield. By staking, you can mint âtvUSDC, a tokenized asset that reflects your vault participation. Let’s explore how âtvUSDC adds flexibility and opens up more opportunities wthin DeFi.

> what it is

âtvUSDC is the tokenized face of âtv111-an ERC-4626-compliant vault token that represents a user’s share in the underlying yield-generating strategy. When users deposit stablecoins into âtv111, they can stake their position to mint âtvUSDC, unlocking a composable, yield-accruing asset that reflects the vault’s performance in real time.

By consolidating exposure to multiple DeFi strategies into a single token, âtvUSDC simplifies access to stablecoin yield while preserving composability for broader DeFi use cases-such as collateral, treasury management, or DAO-native finance.

> where it’s going

âtv111 and âtvUSDC are live on Ethereum, with launches on Sonic and Arbitrum rolling out over the next two weeks. This cross-chain deployment brings structured yield access to where liquidity already lives-no new accounts, no new complexity.

In short, âtvUSDC is a gateway to modular, automated, risk-aware yield. For DAOs, treasuries, and funds seeking composable exposure to DeFi yield without the overhead, it’s a powerful building block for onchain capital deployment.

The pre-deposit campaign for âtv111 is officially underway. Running from 8 June to 15 July, this code-gated window gives early participants exclusive access to aarnâ’s structured USDC yield vault, offering yields of c18-20%. As an added incentive, early users will benefit from stacked rewards, with the potential for greater returns as they participate in this limited-time opportunity.

> how to participate

• request your whitelist code → [Get Access]

• deposit USDC via the web or mobile app to receive âtv111, your vault position token

• stake âtv111 via the Timelock Booster to receive âtvUSDC, which amplifies your rewards

Codes are distributed via aarnâ’s socials, contributor drops, and ecosystem partners. Stay tuned or contact: [email protected] 

âtv111 reimagines how yield products work. It bridges TradFi expectations with DeFi-native innovation.

For those ready to move, this campaign is your first step into programmable yield at infrastructure scale.

The âtv111 vault isn’t just about automated yield. It lays the foundation for a broader design loop that brings composability, capital efficiency, and programmable fixed income into one ecosystem.

> phase 1: Pre-Deposit Window (June 8 – July 15)

This gated entry point gives early participants access to:

• boosted $AARNA rewards via ASRT tokens

• first exposure to âtvUSDC, a composable vault receipt token

• loyalty multipliers that scale with early capital, not emissions

As TVL grows, ASRT multipliers taper, rewarding early action and setting the baseline for vault-linked integrations ahead.

> phase 2: liquidity & multi-chain expansion

In the weeks following, aarnâ will:

• scale liquidity via strategic LP partnerships

• expand âtv111 to Base, Arbitrum, and continue testing on Monad

• begin cross-chain vault orchestration to route capital where yield performs best

> phase 3: Pendle integration → tokenized yield

Soon, users will be able to tokenize future âtvUSDC yield through Pendle, unlocking a modular yield market:

• PT-âtvUSDC (Principal Token) = tradable fixed-yield position

• YT-âtvUSDC (Yield Token) = speculative exposure to future yield

• Pendle incentives = additional return layer on top of core vault yield

This makes âtvUSDC a DeFi-native fixed income instrument-composable, tradable, and transparent.

> phase 4: leverage & collateralization

To enhance capital efficiency, aarnâ will:

• enable PT-âtvUSDC as collateral on platforms like Euler and Morpho

• launch aarnâ’s native loan engine for structured leverage loops

• allow users to borrow, restake, and compound-all transparently onchain

These leverage loops will allow users to safely increase exposure while keeping risks and rewards aligned through protocol logic.

> what’s next: TGE and the protocol’s public phase

The roadmap culminates in October 2025 with aarnâ’s Token Generation Event (TGE) and public launch. With confirmed interest from Tier 1 exchanges and top market makers, the release of the $AARNA token marks the next evolution of the protocol-solidifying alignment between early users, contributors, and long-term capital allocators.

âtv vaults are designed as building blocks. From tokenized yield to leverage-enabled loops, aarnâ is designing infrastructure that lets DeFi capital flow, stack, and self-optimize-onchain, transparently, and at scale.

Yield isn’t disappearing-it’s evolving. As markets mature, yield is no longer just a number-it’s programmable logic, composable capital, and strategy abstracted into infrastructure.

Where TradFi uses funds and fixed products, DeFi is building vaults: modular systems that let capital work harder, transparently and automatically. Protocols like âtv111 represent a shift in how yield is accessed, managed, and scaled-bringing the structure and clarity of traditional investing into the onchain world.

For individuals, this means simplified exposure to high-performing strategies without dashboard fatigue. For institutions, it means cleaner access, measurable risk, and the beginnings of true yield primitives.

As vaults mature into programmable building blocks, we’ll stop talking about where yield is coming from-and start relying on systems that route it optimally by design.

DeFi roundup:

Fixed-yield farming is gaining traction in DeFi, offering predictable, passive income through fixed-rate lending protocols. While it mimics traditional fixed-income products on-chain, risks like smart contract flaws and liquidity constraints remain. The sector is expanding rapidly, with growing institutional interest and integrations of tokenized real-world assets.

Speculation heats up around Binance’s next listing, with ChatGPT highlighting Solaxy (SOLX) as a standout. Touted as Solana’s first Layer-2, Solaxy is gaining traction for its rollup-inspired scaling tech, Ethereum bridge, and $47M+ presale. Market sentiment remains bullish as traders eye DeFi, Layer-2s, and meme coins for breakout growth.

DeFi yield farming in 2025 offers diverse opportunities across platforms like Aave, Yearn, and PancakeSwap, each with unique strategies for earning passive income. From auto-compounding vaults to customizable liquidity pools, users can optimize returns-while staying mindful of evolving risks, regulations, and multi-chain dynamics shaping the space.

top DeFi tweets:

@stacy_muur unveils the 2025 Master List of Yield-Bearing Stablecoins-led by SUSDE and sUSDS-spotlighting stablecoins that stay pegged while paying passive income via hedging, T-Bills, DeFi vaults, and staking, as real-world yield meets onchain scale.

@ScodeDefi breaks down âtv111 as the future of stablecoin yield—whitelist-only access, 4x predeposit boost, $AARNA exposure, and stacked rewards in $USDC + $ASRT.

@marvellousdefi_ unpacks âtv111 — aarnâ’s dual-layer vault that redefines passive stablecoin yield. With a base yield from top lending protocols and a boost layer featuring a predeposit multiplier up to 4x, âtv111 brings NAV-based, gas-optimized rewards without active management.

reflections-

Gain an edge in DeFi alpha with aarnâ’s AI-driven insights and DeFi vaults. Try the dApp now.