Yield App Review 2023: A Secure Digital Wealth Platform

Yield App is a cryptocurrency app that allows users to convert fiat currencies to cryptocurrency assets and earn daily interest on digital assets with the click of a button. Yield App is a digital wealth management application that can be used to deposit crypto assets and start earning interest. In this Yield App review, we will analyze the DeFi platform’s user experience, features, Yield products, pros and cons, registration process, YLD loyalty tiers, referral and bug bounty programs, account security measures, and more.

Yield App Summary

Official Website https://yield.app/
Headquarters Road Town, GB
Found in 2020
Native Token YLD
Listed Cryptocurrencies 6+
Supported Fiat Currencies EUR and GBP
Minimum Deposit 1 EUR or GBP
Deposit Fees Free
Withdrawal Limit Variable
Withdrawal Fees Variable
APY Up to 11% of APY
App Yes
Customer Support Email, Live Chat, Inquiry Form, & FAQs Support

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With Yield App, users can earn money with the best investment opportunities at as low as $100. Users do not require any financial or technical knowledge.

Yield App interface

The DeFi platform has over 90,000 customers across 140 jurisdictions with a valuation of $2 billion in transactions. Moreover, Yield App uses market-neutral strategies that do not invoice collateralized lending of customers’ funds.

One of the Yield products, Yield Pro, has become quite popular. It includes crypto structure products that empower users to achieve everything from risk mitigation to return maximization, across bearish, bullish, or sideways markets.

How does the Yield App work?

The Yield App platform allows users to earn daily compounding interest rates of up to 11% APR on crypto assets. Users can earn interest rewards by topping up their Yield App account with popular cryptocurrencies. The platform offers flexible options which allow you to withdraw crypto anytime although, in order to earn higher rates minimum lock up periods do apply.

For instance, with a minimum lock-up duration of 365 days, they can get up to 12% interest per annum and 9% per annum with a lock-up period of 30 days. Users can deposit either fiat currencies, such as EUR and GBP, or digital assets and swap them into YLD tokens. This YLD token is used to find the best investment opportunity through which users can earn yield.

Yield App Benefits

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Yield App User Experience

Anyone can download and install the unique mobile app on their smartphone. Yield’s mobile app offers a simple and user-friendly interface accessible to a wider user base.

The navigation on the mobile app is straightforward, allowing users to effortlessly deposit and withdraw funds to start earning interest automatically within a few taps on their device. They can monitor account balances and daily rewards through the Yield App dashboard.

In addition to this, the Swap page on the web platform allows users to convert currencies swiftly, completing the task within a few seconds. All the same features available on the browser version are perfectly optimized for all devices. With a simple and easily navigable user interface, the Yield App platform is suitable for beginners and professional investors.

Is Yield App Regulated?

Yield App is registered as a VASP by Italy’s Organismo Agenti e Mediatori (OAM), which demonstrates the platform’s commitment to regulatory compliance and adherence to EU financial services directives.

The Yield App website is legitimate and safe to use, complying fully with international KYC (Know Your Customer) and AML (Anti-money laundering) regulations. It is operated by Yield App Limited and is currently working with multiple regulators, moving towards a licensing roadmap. It indicates that the users will get more protection through regulation and security.

The platform is quite transparent regarding its offerings and is secured by Two-Factor Authentication (2FA) to decrease fraudulent risks. Yield App also offers relevant features like session monitoring, activity logs, address whitelisting, and alert emails. Moreover, the platform performs simple steps to minimize risk significantly, thereby ensuring that users invest money with the least risk exposure.

Features of the Yield App

No leverage

Yield App never uses leverage, minimizing potential risks in the platform’s yield-generating market-neutral strategies by prioritizing capital preservation through market making and liquidity.

No lending

Yield App generates alpha via liquidity provision and market-neutral strategies and fully excludes yield generation via collateralized lending.

Risk-averse approach

Every strategy into which the Yield App deploys capital is run through an improved due diligence process and selected using the platform’s 135-point proprietary risk model.

Products offered by Yield App


Yield App enables users to earn interest of up to 11% APR on their crypto assets. These interest rates are attractive and achieved through the platform’s decentralized finance (DeFi) exposure, market-neutral strategy, and arbitrage trading. Users can earn rewards on their crypto holdings with major cryptocurrencies on assets like USDT, USDC, YLD, BNB, BTC, DAI, AVAX and ETH.

Earn interest - Yield App

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These rewards are compounded automatically back into the same Yield App portfolio. Earnings of up to 7% p.a. from Flexible products can be redeemed at any time. However, products under Earn+ and Earn+ 365 come with a choice of lock-up period and APYs of up to 11%, depending on the asset.


Swapping crypto on the Yield App can be done easily, instantly, and securely. Users can swap or exchange up to $100,000 of fiat and crypto holdings daily. This makes it easier for users to manage their Yield App portfolio without leaving the web platform.

Moreover, real-time prices are delivered through the platform’s integrated API without hidden swap fees. The state-of-the-art technology underpinning Yield App ensures that digital assets are always stored securely.

Instant fiat deposits

Yield App users can instantly and securely deposit and swap their funds with complete trust and confidence. A unique direct fiat off- and on-ramp solution provides seamless transfers with direct links to major European banks.

Instant Swaps - Yield App

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In addition, Yield App offers manual transfer capability so you can use services such as Revolut, Wise or PayPal to simply transfer fiat to your Yield App account.

What’s unique, however, is that your International Bank Account Number (IBAN) is actually in your own name. So you are essentially transferring funds from yourself to yourself. Deposits take place directly from the bank account without any fees.

Yield Pro

Users can try out the risk-free Yield Pro feature developed to provide crypto-structured products based on their needs and expectations. Depending on their individual risk tolerance, different crypto-structured products are provided, the returns of which can be enhanced during increased volatility. You may benefit from using the separate Yield Pro Simulator app to try your hand at Yield Pro risk-free.

Yield Pro

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Yield App Labs 

The mission of Yield App Labs is to enhance and transform the entire Web3 landscape by collaborating with projects that share the vision of a decentralized future. Yield App Labs focuses on the following areas – Base Layer Infrastructure, DeFi Primitives, Web3 Innovation, Finance, Metaverse and GameFi, and NFT-Fi.

Yield App Labs

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Haven1 is an EVM-compatible blockchain that offers a secure and regulated financial environment by employing an easily scalable and robust infrastructure, offering lightning-fast transactions and best-in-class security.

It is a Layer 1 blockchain that meets the needs of institutional investors and users who want to access the crypto ecosystem securely via a provable identity framework which keeps the risks of hacks, exploits and other malicious activity on the network to a minimum. In addition, its architecture enables the development of innovative use cases which have the potential to attract trillions of dollars to on-chain finance.

Yield App Haven1

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Yield App Review: Pros and Cons

Pros Cons
Earn high returns at 11% APY. Need YLD holdings to get a higher yield.
Buy crypto and fiat and convert instantly. Unregulated DeFi platform.
No fee for crypto staking and trading.
Efficient and responsive Yield team with a Help Center. Yield app available on Android as well as iOS.
Easy to use and navigate.

How to get started with the Yield App? 

Getting started with the Yield App takes only a few minutes to complete. To get started with the registration process and start earning interest on crypto deposits, follow the simple steps mentioned below –

  1. Visit the official website of the Yield App or download the Yield Mobile app.
  2. Navigate to the blue Sign Up tab on the right-hand top corner of the landing page.
  3. The website takes the user to a new page that displays a registration or sign-up field.
  4. Users must enter a valid email address, password, and referral code.
  5. Enter Sign Up to create the Yield App’s account.
  6. Every Yield App user must upload a copy of their passport or driver’s license to fulfill KYC requirements.
  7. Buy crypto through the platform instantly with a credit card or bank transfer and deposit funds to earn interest.

Get started with the Yield App

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Yield App Fees

Yield App has partnered with the best liquidity providers to provide users with convenient, suitable rates on the market. There may be small spreads incurred for transactions made on the exchanges. When writing this Yield App review, there are no transfer fees for fiat-to-crypto conversions for currencies EUR and GBP. However, a small withdrawal fee of 0.1% is charged on a minimum withdrawal of 15 EUR/GBP.

Apart from withdrawals, there is a refund fee of 15 EUR/GBP if the transfer is less than the specified amount. It is refunded based on the platform’s rules and policies, and the transaction will not be processed since the cost of the refund fee is higher than the transfer amount. There are no deposit fees charged by Yield App, which makes it convenient for beginners.

Yield App Supported Assets 

Yield App currently supports six different stablecoins, cryptocurrencies for earning and swapping – Bitcoin (BTC), Ethereum (ETH), Tether USD (USDT), USD Coin (USDC), Dai (DAI), True USD(TUSD), Binance Coin (BNB), Avalanche (AVAX) and Yield App (YLD).

Yield App Payment Methods 

Currently, users can deposit stablecoins and digital assets into their Yield App account by selecting their choice of digital assets and network, scanning the QR code, copying the wallet address, and pasting it into the external wallet.

There is no min. deposit requirement on the Yield App, but the first deposit into digital assets should be – 100 TUSD/DAI/USDC/USDT, 0.003 BTC, 0.1 ETH, and 0.5 BNB. After this deposit, the Yield App requires no minimum deposit sizes.

Digital assets can be transferred back to the user’s digital wallet, depending on their chosen product. For Earn+ products, digital assets are redeemed after 30 days and after 1 year for Earn+ 365. Overall, the Yield App allows users to withdraw funds within 72 hours. Note that if users redeem the digital assets from any product with a lock-up period before the end of the period, they can forfeit their right to receive rewards on their digital assets.

About YLD Token

YLD is Yield App’s membership token that allows all Yielders to boost their potential returns on digital assets and earn daily interest and rewards on their YLD tokens. Additionally, Yield App members with the highest tier enjoy exclusive perks, including a VIP chat room, VIP support, and priority access to the platform’s card program.

Using the built-in Swap function, YLD tokens can be bought on any third-party top crypto exchanges or from the Yield App platform. To upgrade the membership tier, users will need to stake YLD tokens. Note that staking YLD tokens differs for Bronze, Silver, Gold, and Diamond members.

Tier / Stake YLD Token Rates
Bronze Members (0-999 YLD) Up to 5% p.a.
Silver Members (1,000-9,999 YLD) Up to 6% p.a.
Gold Members (10,000-19,999 YLD) Up to 7% p.a.
Diamond Members (20,000 YLD or more) Up to 11% p.a.

Staked YLD tokens can be unstaked, while locked YLD tokens stay locked for one year. These tokens cannot be withdrawn or swapped as they must be unstaked first.

Yield App Loyalty Tiers

The four Yield App Membership Tiers are bronze, silver, gold, and diamond. To reach higher membership in all the tears and all higher yield rates, you just need to stick or lock there while the tokens in the following way:

Loyalty Tiers YLD Staked
Bronze 0-999 YLD
Silver 1,000-9,999 YLD
Gold 10,000-19,999 YLD
Diamond 20,000 YLD +

Yield App Referral Program

Yield App offers a referral program where both the referrals and the referred person can earn $25 in Bitcoin. To be eligible to win from the rewards program, the referred person needs to register on the Yield App, complete the second KYC verification, and make a min. deposit of $1,000 deployed in either EARN+ or EARN+365. Yield App reserves the right to deliver special promotions under the referral program, during which the rewards may be modified.

Yield App Bug Bounty Program

Yield App Bug Bounty policies apply to any security vulnerabilities identified within the online public environment of the platform as well as its mobile apps. This includes the phone’s security features, the Yield App website, exposed APIs, mobile devices, and applications.

To protect the customers from security issues, Yield App ensures never to disclose, confirm, or discuss security matters until extensively diagnosing, investigating, and fixing Bug Bounty issues.

Users can participate in the Bug bounty program and submit their Reports according to the terms and conditions of bug bounty policies. The program can be accessed by individuals above 18 years, except those residing in countries where the platform is restricted.

Yield App Restricted Countries

Yield App services are not available to individuals residing in the countries mentioned below – Afghanistan, Angola, Belarus, British, Virgin Islands, Cayman Islands, Canada, Central African Republic, North Korea, Cuba, Dominica, Congo, Ethiopia, Fiji, Haiti, Iraq, Iran, Lebanon, Libya, Myanmar, Mali, Nicaragua, Palestine, Panama, Rwanda, Russia, Seychelles, Somalia, Sierra Leone, Sudan, South Sudan, Syria, Trinidad and Tobago, Thailand, United States of America, US, Virgin Islands, United States Minor Outlying Islands, Venezuela, Vanuatu, Yemen, Zimbabwe.

Yield App Security Measures

The market-neutral approach that Yield App supports allows the platform to put security on the front line. The multi-layered security infrastructure of the Yield App is designed to provide sustainable yields and protect customers’ capital. It follows a long-term risk management strategy for capital preservation by allocating decentralized financial pools and alpha managers using an internal 135-point risk model.

Yield App Security Measures

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All personal information is stored under multiple security layers with strict protocols, state-of-the-art technology, and a military-grade 256-bit encryption protocol. All of this ensures the prevention of targeted DDoS attacks on the platform. Moreover, the Yield App offers asset security using MPC (Multi-Party Computation) in-house to safeguard digital wealth. MPC is a strong cryptographic tool that enables multiple parties to make calculations by using combined data without sharing their inputs.

Yield App Customer Support 

Operators at Yield App support are available via the live chat feature 24×7. All customers need to do is compose the message of query and send it through the live chat facility. There are also other alternatives to connect with the support team, such as Twitter, LinkedIn, Telegram, and Discord.

An enriching Help Centre also answers all the frequently asked questions concerning crypto and DeFi, deposit and withdrawals, sign up and sign in, and other relevant questions. Customers can also submit a request using their email address, followed by a query message. Overall, customer support at Yield App is super friendly, efficient, and responsive in resolving client issues at the earliest.


To conclude this Yield App review, it is justified that the Yield App is the best digital wealth platform that allows users to earn interest or passive yield on their digital assets with a few clicks of a button.

Yield App offers a simple and beginner-friendly solution by providing an official platform where users can deposit their assets and enjoy additional perks, such as rewards on their existing holdings. Users can earn passive income and enjoy instant deposits and withdrawals with a convenient daily limit of $ 5,000 across all digital assets.

Yield App offers a multi-tiered loyalty structure to allow bronze, silver, gold, diamond, and platinum (the Yield Bitcoin portfolio was first offered to them) users to earn tier bonuses to boost their rewards while staking or locking the platform’s utility token, YLD token. Yield App Wallet supports a wide range of cryptocurrencies and the highest APY (annual percentage yield) of 11% that is purely paid in YLD, Yield Token.


Is Yield App Safe?

Yes, the Yield App is available as a website, and the mobile app is one of the safest and most licensed digital wealth platforms that uses 256-bit encryption protocol and other military-grade security measures to protect client information and funds.

Who is the founder of Yield App?

Tim Frost is the CEO and Founder of Yield App.

Is the Yield App available for US residents?

When writing this review, the Yield App is not available for users in the United States of America.

What is the minimum deposit required at Yield App?

There are no min. deposit requirements at Yield App.

How much time does the Yield App take for Payout?

Most of the payment options offered by Yield App pay out daily withdrawals almost instantly.

Disclaimer: This page does not solicit or recommend investments, nor does it provide trading or financial advice. Before investing in cryptocurrencies or engaging in securities trading, you should conduct thorough due diligence, including consultation with a certified financial advisor. We accept no liability for any financial losses incurred.

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Bitcoin (BTC) $ 65,122.45
Ethereum (ETH) $ 3,539.56
Tether (USDT) $ 0.999514
BNB (BNB) $ 597.29
Solana (SOL) $ 138.01
XRP (XRP) $ 0.493708
Dogecoin (DOGE) $ 0.124184
Cardano (ADA) $ 0.385855