Umoja is a next-gen yield vault protocol tokenizing top cryptocurrencies like Bitcoin for the ultimate yield— securely, compliantly, and profitably. Stake $UMJA to earn $yBTC, the highest-yielding BTC token.
We're known for creating high-yield vault tokens (YVTs) to monetize top cryptos like BTC, SOL, and ETH. Umoja calls these YVTs as "Smartcoins," which combine multiple CeFi and DeFi yield strategies, adapting dynamically to market conditions.
Think of Umoja as the offspring of Yearn Finance and Ethena.
In December 2024, Umoja launched $yBTC—"yield-bearing Bitcoin"—offering a 15% to 30% APY paid entirely in BTC, free from dilution by protocol points or foreign tokens. Simple, pure Bitcoin yield.
Mint $yBTC: Deposit native BTC (soon cbBTC, FBTC, and BTC.b) to mint $yBTC.
Swap for $yBTC: Trade on a decentralized exchange like Uniswap to acquire $yBTC.
Stake for $yBTC: Stake $UMJA, Umoja's native token, to earn $yBTC and UMO (the governance token) over time.
The more $yBTC you hold, the more BTC you earn—making it a powerful incentive for believers in Bitcoin's future.
$UMJA, Umoja's native token, is a deflationary utility token designed for high-yield vaults like $yBTC. It's central to Umoja's growth flywheel:
The result? A self-reinforcing system that maximizes your Bitcoin earnings.
As Umoja's assets under management (TVL) grow, so does $UMJA's value—more TVL means more $yBTC to earn by staking $UMJA.
However, $UMJA-Bitcoin staking is a fierce contest. Stakers earn more Bitcoin in direct proportion to the amount of $UMJA they have staked in the Governance Pool. The more $UMJA-staked, the more $BTC earned.
You can now stake your $UMJA for $yBTC here.
Not only that, but staking $UMJA earns token holders governance rights (measured in non-transferable, UMO token) and other privileges that can result in more rewards.