Beta · built on Solana
Money from home that keeps working.
When family abroad sends dollars, Yael splits them the way you choose — cash to spend today, dollar savings in US Treasuries, and a slice of real US stocks. One app, one tap.
- You own your wallet
- Fees shown before you confirm
- No seed phrase to lose
Good evening!
Ada
@ada
Total balance
$1,240.50
≈ ₦1,922,775
● Money landed · from Tunde
$200.00
$60 cash · $80 savings · $60 stocks
Cash
Ready to withdraw
$312.00
Savings
US Treasuries · ~4%
$512.40
Stocks
SPYx · NVDAx
$416.10
Built on open rails that already exist
- Solana
- USDC by Circle
- Jupiter
- Ondo USDY
- xStocks by Backed
- Privy wallets
The problem
Sending money home shouldn't cost a week of groceries.
4–7%
lost to fees
Traditional transfers take a big bite before the money even lands.
Days
of waiting
Bank and agent transfers can take days — while school fees and rent don't.
Idle cash
loses value
Money left sitting in local currency shrinks while it waits to be spent.
How it works
Three steps. About a minute.
Family sends dollars
Family on Yael send to your @username; from an exchange or any Solana wallet, to your address. It lands in seconds, for under a cent in network fees.
Send to
@ada
Ada · verified on Yael
Yael splits it your way
Pick a preset or set your own mix. You see every step and every fee in plain language — then approve once.
Spend, save, grow
Cash out through your exchange today, keep savings earning, and hold real US stocks — or borrow against them later.
Delivered
$200 is working for you
Three buckets
Every dollar gets a job.
Some for this month, some for this year, some for the kids' future. Change the mix whenever life changes — school fees next month? Push more to cash.
Cash
Spendable digital dollars. Send to anyone by @username, or cash out through your exchange. Bank and agent payouts are on the way.
Ready when you need it
Savings
Tokenized short-term US Treasuries (Ondo USDY) that grow about 4% a year, estimated. Not a bank deposit — just steadier than cash.
~4% a year, est.
US stocks
S&P 500, Nasdaq 100, Nvidia and Apple as xStocks — each backed 1:1 by a real share. Start from $1, 24/7, no US brokerage account.
From $1
Features
Built for families, not traders.
Send by @username
Family sends to @ada — no 44-character wallet addresses to copy.
One account, every phone
Log in anywhere. Your split, cash, history and saved people follow you.
One approval per split
Savings and stocks bought together with a single signature.
Every fee, up front
Network, swap and exchange-rate costs spelled out. Yael's own fee today: $0.
Your own currency
₦, GH₵, KSh, R, £, € — every amount also shown in the money you think in.
Move all to cash
Life happens. One tap sells savings and stocks back to spendable dollars.
Borrow, don't sell
Borrow dollars against your stocks on Kamino — capped at half what the market allows.
Plain language, always
Before anything happens, Yael tells you what it is and what could go wrong.
Sending $200 home
Same $200. Very different day.
Typical transfer
- Fees$8 – $14
- ArrivesHours to days
- After it landsSits as cash
- GrowthNone
With Yael
- FeesUnder $0.01 network + small swap costs
- ArrivesSeconds
- After it landsSplit into cash, savings & stocks
- GrowthSavings ~4%/yr est. + stocks
Typical transfer costs are industry averages (4–7%). Yael swap costs depend on the market and are always shown before you confirm.
Safety
Your money. Your keys. Your rules.
Yael is an app on top of open rails — not a bank and not a broker. It shows you exactly what will happen, and only does it when you say so.
You hold the keys
Your wallet is yours. Yael never holds your money and can't move it without your approval.
No seed phrase to lose
Log in with email or phone. You can still export your wallet key any time.
Public receipts
Every real transaction has a receipt on the Solana blockchain you can check yourself.
Limits that grow with trust
₦200,000 a day to start, ₦5,000,000 with your BVN or NIN, no limit with a government ID.
FAQ
Good questions.
Straight answers — including what isn't live yet.
Is Yael a bank?
No. Yael is an app for a wallet you own. Your dollars are USDC (by Circle), savings are USDY (by Ondo) and stocks are xStocks (by Backed) — all held in your own wallet, not by Yael.
Can I get naira (or cedis, shillings…)?
Yes, through your exchange today: send USDC from Yael to your Yellow Card, Busha, Quidax or similar account and sell it there. Direct bank and cash-pickup payouts inside Yael are coming with licensed partners.
What does it cost?
Yael charges $0 today. You pay the Solana network fee (under a cent) and any swap costs, which are always shown before you confirm.
Are the stocks real?
They're xStocks — tokens backed 1:1 by real shares held by the issuer. You get the price movement (and dividends are passed through), not voting rights, and it isn't a US brokerage account. They aren't offered to US persons.
Which countries does it work in?
Built for Nigeria first, and it already shows amounts in Ghanaian cedis, Kenyan shillings, South African rand, pounds, euros, dirhams and Canadian dollars. US persons can receive and send, but can't buy savings or stocks.
How much can I send a day?
₦200,000 a day to start. Verify your BVN or NIN in the app to raise it to ₦5,000,000, or verify a government ID to remove the limit. Yael never stores your full BVN or NIN.
How do I get help?
Chat with a real person on WhatsApp from the Support page. Yael will never ask for your password, PIN, login code or wallet key.
Is it safe to put money in?
Yael is in beta, so start small. Your money stays in your own wallet, you can export your key any time, and every action is explained before you approve it.
Try Yael in 30 seconds.
The demo needs no signup and no real money. Watch $200 from Tunde land and split — then decide.