Documentation

YieldFlow is a dividend layer for tokenized stocks on Robinhood Chain. The stock tokens there earn real dividends, but you never see them: each payout is folded into an onchain multiplier and nothing is sent to your wallet. YieldFlow makes that income visible, checkable and movable.

The full product lets you lock a supported stock token in a vault that holds only that asset, keep your whole price exposure, and receive the dividend part as USDG you can send anywhere: back into the same stock, into other markets, into a shared network pool, or to your wallet.

In one line: YieldFlow shows where every dollar of yield comes from, and lets you decide where it goes.

The protocol design in full, with the maths, the network economics and the risk model, is in the whitepaper

YieldFlow ships in honest layers. This table is the reference for which layer you are touching.

Anything simulated or not yet deployed is labelled where it appears. The site never asks for a signature and cannot move funds.

Stock tokens on Robinhood Chain do not pay cash dividends. They follow a “scaled amount” design: your raw token balance never changes, but each token carries a uiMultiplier() that says how many shares one token stands for.

When a company pays, the issuer reinvests the dividend in more of the underlying shares and raises the multiplier. AAPL is a live example: its multiplier sits at 1.00056608× because of its August dividend. Every AAPL holder received that dividend as a slightly larger claim per token. No cash moved and no one was told.

Each raise emits a public UIMultiplierUpdated event. That stream of events is what YieldFlow is built on.

The core step turns multiplier growth into USDG while provably keeping your share exposure where it was:

vault holds T tokens at multiplier M0  →  exposure = T × M0 shares
a dividend lifts the multiplier to M1   →  exposure = T × M1
harvest sells ΔT = T × (1 − M0 / M1) tokens for USDG
left over: (T − ΔT) × M1 = T × M0       →  the original exposure, exactly

Worked example: a vault holds 1,000 AAPL-equivalent tokens when a 0.057% dividend lands. The harvest sells about 0.57 tokens for USDG. The other 999.43 tokens now stand for exactly the 1,000 shares you started with. The principal is kept by arithmetic, not by a promise.

Harvests are sized by the dividend, which is small, not by the vault. That is why ordinary pool depth is enough to run them inside a tight slippage bound.

Most people hold crypto, not stock tokens, so entry is one atomic transaction with two legs:

1. Swap. Your USDG or ETH buys the chosen stock token in its deepest USDG pool, with a 0.50% slippage bound. ETH goes through USDG first, priced with Chainlink.
2. Wrap. The tokens are locked in that asset's own vault, which mints flow blocks (yfAAPL, yfNVDA…) one for one, minus the 0.10% fee.

Both legs run in one transaction, so if either fails everything unwinds and you are never left with half a position. Exit is the mirror: unlock the blocks, get the stock token back, and optionally swap it to USDG or ETH in the same transaction.

1. Wrap. Lock a supported stock token in its vault and receive a 1:1 flow block. One asset per vault, no pooling, no lending out.
2. Verify. Each multiplier raise is matched against the declared cash dividend (ex-date and amount). A raise that doesn't match freezes harvesting for that vault.
3. Harvest. Only the verified increment is sold into USDG, in slippage-bounded chunks. Each harvest links to its transaction.
4. Route. Your router splits every payout across the destinations you choose. A leg that cannot execute settles as USDG to you.
5. Settle. Yield builds continuously and settles weekly. Every settlement is public: source, amount, transaction.

• Native: dividends from the asset you deposited. The only source the product may call a dividend.
• Network: payouts from the optional cross-asset pool described below.
• Protocol: a share of wrap and routing fees passed back to network members.
• Sponsored: USDG streamed from escrows funded up front, always shown with the sponsor, the reserve left and the end date. When the escrow is spent the figure drops to zero.

Display rules. A blended rate is always shown split into its sources. Projections come from declared dividends, not from past prices. The word “dividend” belongs to Native only.

Cross-asset sharing fails in an obvious way: if assets that pay nothing are paid out of the income of assets that do, the payers leave. The pool is therefore split into two buckets that never mix.

• Bucket A · dividend share. Network vaults put 10% of harvested dividends in. It is paid out 70% by dividends contributed and 30% by time-weighted value, and no vault's members can draw more than 3× what that vault put in.
• Bucket B · activity yield. Funded by protocol revenue and sponsored campaigns, never by depositors. This is where assets without a dividend earn.
• Anti-gaming. All weights use time-weighted average balances, so arriving the day before a payout earns one day's weight.

Each settlement can be split across four destinations: reinvest in the same asset, the network pool, another supported asset, or USDG to your wallet. Splits must add up to 100%. Presets (Core 40/30/20/10, Growth 60/20/20/0, Income 10/10/0/80) are starting points, not defaults you are pushed into. The rules are yours; YieldFlow takes no discretion and no performance fee.

YieldFlow uses EIP-6963 to find every wallet extension in your browser and lets you pick one. When none announces itself, an injected window.ethereum is offered instead, and when there is none at all the dialog says so.

• It asks for your address (eth_requestAccounts) and nothing else: never a signature, never a transaction.
• On the wrong network it offers to switch, or to add Robinhood Chain (chain id 4663) with the official RPC and explorer when the wallet does not know it yet.
• The connection is remembered and restored silently on your next visit; disconnecting also asks the wallet to drop the permission.

• Multipliers and supply: uiMultiplier() and totalSupply() on each token via rpc.mainnet.chain.robinhood.com, batched, cached for two minutes.
• Balances: balanceOf() across all 195 listed tokens for any address you read.
• Prices and pools: the issuer's reference prices and the deepest USDG pool per token, from the registry snapshot.

A read that fails falls back to the snapshot value and says so. Nothing you type is stored.

The chain carries many look-alike tokens with the same ticker. YieldFlow only recognises the issuer's own contracts, 195 of them. The most used:

• AAPL 0xaF3D76f1834A1d425780943C99Ea8A608f8a93f9
• NVDA 0xd0601CE157Db5bdC3162BbaC2a2C8aF5320D9EEC
• SPY 0x117cc2133c37B721F49dE2A7a74833232B3B4C0C
• QQQ 0xD5f3879160bc7c32ebb4dC785F8a4F505888de68
• TSLA 0x322F0929c4625eD5bAd873c95208D54E1c003b2d
• MSFT 0xe93237C50D904957Cf27E7B1133b510C669c2e74
• USDG 0x5fc5360D0400a0Fd4f2af552ADD042D716F1d168

The full list is at /registry.json.

A multiplier change alone is ambiguous: it could be a dividend or part of a split, and harvesting a split would sell principal. An event only counts as harvestable when two independent sources agree:

1. the issuer declared a cash dividend with a matching ex-date and amount per share, and
2. the chain shows a multiplier move of about amount ÷ price, with the price continuous across the event.

Splits fail this test by design and are recorded as splits. Anything that cannot be classified freezes the vault. A move of 1.5× or more is never treated as income. Market closures pause harvesting too.

• Price risk stays yours. A vault keeps your share count, not your dollar value.
• Issuer risk. The stock token contracts can pause, burn and upgrade. Any wrapper inherits that.
• Liquidity risk. Harvests sell through onchain pools; a thin pool pushes settlement to a later week rather than forcing a bad price.
• Sponsored yield ends. When an escrow is spent, its share of the rate is zero.
• Jurisdiction. The stock tokens are not offered to people in the US, UK, Canada or Switzerland, and neither is YieldFlow.
• Smart-contract risk applies once vaults deploy. Audits and a timelocked admin are part of the launch gate.

$YIELD is the project token of YieldFlow on Robinhood Chain. Its contract address is shown in the header and footer pill and is the only address the site will ever point to. Until it is published the pill shows a placeholder: do not trust any address you are sent elsewhere.

Is YieldFlow live? The site, the chain reads and the wallet connection are. Vaults, wraps and harvests are not deployed. The status table above is always current.

Can I deposit now? No, and nothing on the site will let you try.

Are the dividends real? Yes. The multiplier raises are on the chain for anyone to read, and the portfolio page shows the dividend inside any wallet. What does not exist yet is the machinery that pays it out.

What does connecting expose? Your public address, which any explorer already shows. Nothing is signed or stored.

What will it cost? A 0.10% fee on wraps and harvests plus the pool's own fee, shown wherever it applies. No performance or exit fee.

1. Observatory, now. Live chain data, real wallet connections and the full interface, with every undeployed action clearly disabled.
2. Vault contracts. Per-asset vaults, the harvester and the corporate-action registry, tested against the live chain, then a capped private pilot.
3. Public launch. Native vaults and the router open after audit and legal review; the network pool and campaigns follow.