SEYIELD — The First “Buy Now, Pay Never” on Pharos Network

SEYIELD is a trustless, DeFi-native payment platform that lets users make purchases using only the yield generated from their crypto deposits, while their capital stays untouched.

Built on Pharos Network, SEYIELD introduces a new spending primitive — one where you don’t need to lose your funds or take on debt just to afford the things you want.

Whether you’re buying a product, subscribing to a service, or making a payment — SEYIELD enables you to do it passively, powered by yield, not principal.

Spend the yield. Keep the capital. That’s SEYIELD.

💡 The Solution

SEYIELD solves 3 major pain points across TradFi and DeFi:

• 💸 Spending usually means giving up your capital — which causes friction and loss aversion.

• 😬 “Buy Now, Pay Later” sounds helpful, but still locks users into repayments, interest, and financial risk.

• 🧩 DeFi is powerful, but painfully complex — staking, farming, bridging, locking — just to earn and use yield.

SEYIELD flips that model:

• Users deposit once

• Capital stays untouched via pSYLD

• Yield becomes the spendable asset via ySYLD

• All in a seamless, DeFi-free UX — no staking, no bridging, no farming

⚙️ How It Works

1. Deposit crypto into SEYIELD

2. Funds are automatically split into:

   • 🟢 pSYLD: Principal Token — represents your deposit, stays untouched and keeps earning

   • 🟢 ySYLD: Yield Token — represents the yield, and is used for payments

3. Spend your yield (ySYLD) to pay for anything — subscriptions, services, or products

4. Withdraw your capital (pSYLD) anytime:

   • Instantly with a small fee

   • Or for free if you wait and most of the yield is spent

🌍 Impact

SEYIELD unlocks a new way to interact with crypto and money in general:

• 💆‍♂️ No more financial anxiety — your capital is never spent

• 🚫 No more loans, interest, or repayment traps

• 💳 A real, onchain use case for crypto — beyond just trading or HODLing

• 🔁 Yield becomes currency, not just a passive number

• 🪄 DeFi for everyone — with zero DeFi friction

We’re not just making better payments — we’re creating a new onchain financial primitive.

🧪 Use Cases

• 🛒 Ecommerce Checkout
  Buy physical or digital goods using your yield — not your capital.

• 📱 Subscriptions & Services
  Pay for Netflix-style content, SaaS tools, or memberships using ySYLD.

• 🎁 Gift Cards or Pay-It-Forward Links
  Send yield to friends or family — your deposit stays safe.

• 🧾 Recurring Bills or DApp Integration
  Let dApps or wallets use SEYIELD as a “Pay with Yield” checkout layer.

• 🌐 DeFi UX Layer
  Use SEYIELD to provide yield-powered payments in other protocols — abstracting away the complexity.
  
  
  Demo project: click here
  Repository: click here