Vayo Finance

2026

Onchain yield, banking-simple

Vayo Finance

The experience is as simple as a digital bank. Same simplicity, with access to onchain yield opportunities where your money can be allocated into strategies like lending and staking.

6th place winner in Brazil — Solana Superteam track

Enter the amount

Available balance $341.56

USDC

Product flow

Vayo Finance — UX flows

Onboarding, deposit, investment, and redemption mapped as FigJam flows with sticky notes and AI summaries from the product board.

Onboarding

First time

5 steps

Landing Page

Create Account

Investor Profile

Select Profile

Welcome Tour

Flow Email Password Google SSO

Returning

3 steps

Landing Page

I already have an account

Dashboard

Select Email Password Google SSO

Dashboard View Total Assets Earnings Allocation Chart Performance Chart CTA Deposit CTA Withdraw

Core journeys

Deposit

9 steps

Deposit Flow

Choose Method

PIX

Card

USDC

Enter Amount

Confirm Deposit

Processing

Deposit Confirmed

Requirements Input with minimum amount of R$ 100 And shortcuts (R$200, R$500, R$1000)

Loading status with visual feedback for PIX or Card. Show QR Code.

Positive feedback with deposited amount, and a "invest now" button.

Sends deposit process emails to the user.

Digital deposit system

A complete deposit flow with multiple payment methods and visual feedback for users.

Payment Methods

  • PIX, Card, and USDC available as options
  • QR Code displayed during processing

System Requirements

  • Minimum required amount of R$ 100
  • Quick shortcuts for R$ 200, R$ 500, and R$ 1000

Process Flow

  • Method selection → amount entry → confirmation → processing → completion
  • Visual status during loading with specific feedback by method

User Experience

  • Positive confirmation shows deposited amount with "invest now" button
  • Automated emails sent throughout the deposit process

Investment

4 steps

Investment Flow

Set up investment

Investment Summary

Confirm Investment

Configurable investor profile

Available balance Expected monthly yield Expected yield in 10 years, how much they can have if they continue investing R$ 1000 per month.

Quick Investment — Amount in the account is pre-filled in the input.

Active Investment Show project yield CTA Dashboard Invest More Create success animation Share on Twitter / Instagram Refer

Investment app flow

Investment system with configurable profile, financial projections, and intuitive interface for users.

User Profile

  • Fully configurable investor profile
  • Display of available balance and expected yields
  • Growth projections in 10 years with monthly contributions of R$ 1000

Investment Features

  • Quick Investment with pre-filled account value
  • Active investment with dashboard and "Invest More" option
  • Confirmation system and detailed summary

Interface and Experience

  • Success animation after investment
  • Social sharing (Twitter/Instagram)
  • Integrated referral system

Redemption

4 steps

Redemption Flow

Redemption Amount

Redemption Requested

Show balance on the dashboard as available.

Input Amount Partial / Total Impact Preview If they remove the partial or total amount, show how much they will lose in earnings over 1Y or 10Y.

Confirmation with estimated timeframe. Send follow-up emails.

Investment redemption flow

System to allow partial or total redemptions with financial impact preview and email follow-up.

Request Process

  • Input allows choice between partial or total redemption
  • Preview shows financial impact in 1 and 10 years if the amount is removed

Confirmation and Follow-up

  • Confirmation includes estimated processing time
  • Automated emails track redemption status

Dashboard View

  • Available balance clearly displayed on the main panel
Vayo Finance — Change the way your money works
UX DesignUI DesignResearchFrontendMotion

About

The experience is as simple as that of a digital bank.
The same simplicity, with access to on-chain yield opportunities, where your money can be allocated to strategies like lending and staking.

vayo.finance
Solana

6th place Winner in Brazil — Solana Superteam track - Hackathon 2026

Vayo brand
Empty home — no investments yet
Wallet and account menu

Confirm investment

$150USDC

Where your money will be invested

Prime Market

$15.00 currently invested

Maple Market

$15.00 currently invested

Change the way your money works

Hand holding phone with Vayo portfolio
Physical card and phone
Person using Vayo on their phone

The technology ensures that your money never stops earning.

Vayo Finance user dashboard

Investment - User

Automated investment confirmation
Investment successful
Deposit drawer — PIX and USDC

Backtest Mainnet

+U$ 60K

Moved in 30 days

+18.89%

Average improvement of APY

+28.8%

Average APY captured by scoring

3.27%

Floor (worst market scenario)

112%

Ceiling (best market scenario)

vayo