Your everyday purchases can do more than earn cashback. Yieldback turns eligible rewards into a growing balance that can keep working.
Cashback rewards you once. Yieldback keeps working.
—
+$0.00 Yieldback
$0.00
Traditional cashback
Ends at the rewardBalance
$0.00
The reward came and went.
Yieldback
Starts at the rewardBalance — earlier rewards + this one
Your accumulated balance keeps working.
The difference is what happens after the reward arrives.
Cashback ends at the reward. Yieldback starts there.
$100.00
Make eligible purchases the way you already do. Yieldback is designed around your habits, not the other way round.
Today: purchase verification works for USDG payments on Robinhood Chain. No merchants are enrolled yet, so no purchases earn rewards so far.
$100 × 2% = $2
Reward = eligible amount × reward rate
Eligible purchases generate rewards. In our example, spending $100 earns $2 of Yieldback. Real reward rates and eligibility depend on the merchant and the reward program.
Rewards are calculated from verified payments only — never from a number typed into a form.
Rewards accumulate in your Yieldback balance instead of being treated as cash to spend again. You can add your own USDG too.
Live: adding USDG to your balance.
Your balance is deployed into a supported strategy: today, Steakhouse USDG on Morpho, which lends to borrowers who post collateral. Their interest grows your balance.
Variable, not guaranteed. The strategy currently charges 0% fees. Borrower defaults or smart-contract failures could cause losses.
Keep earnings compounding, buy supported Stock Tokens, send them to someone, or move them toward a goal.
Live: reinvest, Stock Tokens (outside the U.S.), send, goals. Not yet: spending straight from your balance.
One reward might be small. Hundreds of rewards can add up to a meaningful balance.
A coffee adds a little. A subscription adds a little every month. A larger purchase adds more. Each eligible reward lands in the same place — one balance that keeps growing.
Categories are examples to show accumulation. They aren't a list of supported merchants or payment methods.
$0.00
in rewards from $8,935 of example purchases at 2%. Rewards only — before any yield.
Total spent
$28,420
Eligible purchases in the example
Yieldback earned
$852
Rewards from those purchases
Yield generated
$82
Earned by the balance itself
Current balance
$934
Rewards + yield, nothing withdrawn
The example gives totals only — no time period, reward rate or yield rate — so it can't be reproduced exactly and isn't a projection. Its numbers do add up: $852 in rewards plus $82 of yield makes the $934 balance, with nothing withdrawn. That implies an average reward of about 3.0% of spending, higher than the 2% used elsewhere on this page; real rates depend on the reward program.
Reading today's strategy rate…
Total spent
$0.00
Rewards
$0.00
Yield (estimate)
$0.00
Ending balance
$0.00
How this is calculated
Each month: reward = spending × reward rate, added at month end. The balance earns (yield ÷ 12) on what it held at the start of the month. Balance = rewards + yield; nothing is counted twice and nothing is withdrawn. Rates are held constant, which real rates never are. This is an estimate, not a promise — yield can fall, and the balance can lose value.
Two things grow the balance, and they're different: rewards arrive from your purchases, and reinvested earnings come from the balance itself.
Spend
Buy what you were going to buy anyway.
Not every purchase earns, and not every balance grows: rewards need eligible purchases, and yield depends on how the strategy performs.
Earnings (blue) stay in the balance and become part of what earns next time. That's compounding — it happens automatically inside the strategy, at whatever the variable rate is. There's no fixed return.
Shape only — no rates or values implied
Point rewards and a share of your earnings at something you want. Each verified contribution moves the goal forward — you can see exactly where every dollar came from.
A MacBook
$0
of $1,499
0% of the way there
Try it — these buttons only move this example. In the app, progress comes only from deposits verified onchain and earnings your balance actually generated.
You shouldn't need to understand vaults, liquidity pools or compounding formulas to use Yieldback. That complexity belongs underneath.
But hiding complexity isn't the same as hiding risk. Everything that affects your money — fees, risks, how withdrawals work — is one tap away, in plain words.
Your balance
$—
Earning a variable rate
The surface: two numbers and a few buttons. No balance is shown here — this is a layout, not an account.
Your Yieldback balance is deployed into one strategy today. These figures are read from Robinhood Chain when you open this page — they describe the strategy, not anyone's account, and they change constantly.
Current variable rate
Rate source unreachable
Held in the strategy
totalAssets() onchain
Available to withdraw now
Unlent cash · Morpho API
Strategy fees
Performance / management, onchain
Strategy. Steakhouse USDG on Morpho, curated by Steakhouse Financial. It lends USDG to borrowers who post collateral.
Why the rate moves. It's set by how much borrowers want to borrow. When demand falls, so does the rate. Past rates say nothing about future ones.
Check it yourself. The strategy contract on the block explorer, or read risks & fees.
A reward is only as real as the purchase behind it. Yieldback never issues a reward because someone typed in an amount — each one is backed by a payment it can check.
Where this stands today
Verification is built for USDG payments on Robinhood Chain and works now. No merchants are enrolled and no reward treasury is funded yet, so purchases currently end at “Not eligible”. Card purchases would need a card-linked offers partner, which isn't connected.
Reported
You hand Yieldback the transaction of a payment you made. Nothing is credited yet.
Awaiting verification
We wait until the payment is settled to Ethereum — usually under 15 minutes — so it can't be undone.
Verified
The payment really came from your wallet, succeeded, and went to an enrolled merchant.
Reward calculated
Eligible amount × that merchant's reward rate, rounded down to the cent.
Credited
The reward program deposits it into your balance — and we confirm that deposit onchain.
Adjusted / reversed
If the merchant refunds you, the reward shrinks with the refund, or is reversed entirely.
Not eligible
A real payment that didn't go to an enrolled merchant. We tell you that's why.
Rejected
Failed transactions, payments from another wallet, or a purchase someone already claimed.
Every transaction can be claimed exactly once, by the wallet that paid. Duplicates are refused.
You still buy the coffee.
You still order the food.
You still pay for subscriptions.
You still take the Uber.
The purchase doesn't have to change. But eligible transactions can leave something behind.
Hundreds of purchases.
Hundreds of contributions.
One growing balance.
And that balance can keep working long after the purchases themselves have been forgotten.
The Yieldback token launches on Pons V2, Robinhood Chain's launchpad: it trades on a bonding curve until enough has been raised, then graduates into a permanently locked Uniswap v4 pool. Everything shown here is read directly from the Pons V2 contracts.
The token is separate from your Yieldback balance. Holding it doesn't earn rewards or yield, and it can lose all of its value.
Token detailsNo contract address yet.
There's no Yieldback token onchain yet. When it launches, its address will be published here and on @tryyieldback. Any token claiming to be Yieldback before then isn't.
No roadmap dressed up as a feature list. This is exactly what the app can and can't do right now, and what each missing piece depends on.
Wallet connection
LiveConnect a browser wallet and sign in with a signature. Yieldback never sees your keys.
Yieldback balance
LiveAdd USDG and it's deposited into the Steakhouse USDG strategy. Your balance is read onchain every time.
Yield
LiveThe balance earns the strategy's variable rate, paid by borrowers. It isn't fixed or guaranteed.
Withdrawals
LiveWithdraw any time, subject to the strategy having enough unlent cash at that moment.
Buy Stock Tokens
Live · limitedUse earnings to buy NVDA, AAPL or AMZN Stock Tokens. Not available to U.S. persons or in restricted countries.
Send
LiveSend USDG from your balance straight to another wallet.
Savings goals
LiveEarmark deposits and a share of earnings toward a target.
Purchase rewards
Not yetPurchase verification works for USDG payments, but no merchants are enrolled yet — so no purchases earn rewards today.
Needs: Merchant enrollment
Reward crediting
Not yetRewards can be calculated, but there's no funded reward treasury yet, so nothing is credited.
Needs: Funded reward treasury
Card purchases
Not yetEarning on card purchases needs a card-linked offers partner. None is connected.
Needs: Card-linked offers provider
Spend from balance
Not yetThere's no Yieldback card yet. You can withdraw USDG and spend it anywhere it's accepted.
Needs: Card issuing partner
Automatic earnings routing
Not yetEarnings compound automatically. Routing them elsewhere on a schedule needs delegated permissions that aren't built yet.
Yieldback token
Not yetLaunching on Pons V2. It hasn't launched yet.
No. Yieldback is software that helps you put USDG into a third-party lending strategy on Robinhood Chain. Balances aren't bank deposits, aren't FDIC-insured, and can lose value.
From borrowers. The Steakhouse USDG strategy on Morpho lends your USDG to people who post collateral, and the interest they pay is what grows the balance. The rate moves with borrowing demand.
Not yet. Earning on card purchases needs a card-linked offers partner, and none is connected. Yieldback can already verify USDG payments made onchain, but no merchants are enrolled, so no purchases earn rewards yet.
You do. Deposits go from your wallet into the strategy, and the strategy shares sit in your wallet. Yieldback never takes custody and never asks for your keys or seed phrase.
Yes, as long as the strategy has unlent cash available — which it normally does, many times over. If borrowing were extremely high, a very large withdrawal could have to wait until loans are repaid.
The strategy's own fees are read live from its contract (0% performance and management at the time of writing). You pay small Robinhood Chain network fees on each transaction. Stock Token swaps include a routing fee, shown before you confirm.
You can swap earnings for Robinhood Stock Tokens like NVDA, AAPL and AMZN — if you're not a U.S. person and don't live in a restricted country. Stock Tokens track a share's price; they're debt securities, not the shares themselves.
No. The token launches separately on Pons V2. It doesn't earn rewards or yield and its price can go to zero. Only trust the contract address we publish.
