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Lulo is a stablecoin yield product with built-in smart-contract-level protection. It automatically allocates deposits across multiple lending protocols using rules based on TVL and rates. Users can choose Protected mode for stable yield with coverage, or Boost mode to earn higher yield while underwriting the coverage pool. If a covered protocol suffers a loss from exploits, oracle failures, or bad debt, the Boost layer absorbs the impact first, keeping Protected principal whole. Coverage excludes systemic risks such as network outages or stablecoin depegging. All allocations and coverage mechanisms are verifiable on-chain, and an API enables integration into wallets and apps.
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About Lulo
Lulo is a stablecoin yield aggregator on Solana. It automatically distributes user deposits across multiple lending protocols like Kamino, Drift, and Save to chase the best interest rates. Users can choose between Protected mode (lower yield but with insurance against hacks) and Boosted mode (higher yield but requires a 48-hour withdrawal lock and may lose principal if a protocol fails).
Its core value is solving two problems: the hassle of manually hunting for yields across different platforms, and the fear of losing funds to protocol exploits. By automating rebalancing and offering optional insurance, it makes DeFi lending more accessible to average users. The platform charges no deposit or withdrawal fees, only a 10% performance fee on generated yield.
In the past six months (March to September 2026), Lulo has grown its assets under management to over $100 million, integrated with more than 50 protocols, and launched an iOS app for mobile access. It also completed five independent security audits during this period. One notable negative event: in October 2024, the platform experienced a security incident that was resolved, but it highlighted the ongoing risks of smart contract vulnerabilities.
Over the past six months (2026-03-02 to 2026-09-02), Lulo has achieved several major milestones. On June 23, 2026, Lulo integrated JupUSD, Jupiter's native stablecoin, enabling it to earn automated multi-protocol yield for the first time across both Protected and Direct tiers. On July 17, 2026, Loopscale was integrated to offer fixed-rate lending opportunities. As of September 2, 2026, Lulo's total value locked surpassed $100 million in USDC deposits, with assets routed across protocols including Kamino, Drift, Save, MarginFi, Morpho, Maple Finance, and Pendle. The platform's B2B API now serves over 50 integration partners, including Solflare, Fuse, and Decaf.
Regarding the official roadmap, Lulo has disclosed several development priorities: launching an Android mobile application (targeted for 2026), tokenizing the Lulo Protect insurance layer into a governance token, and expanding to additional blockchain networks beyond Solana. The team is also exploring deeper integration with Jupiter's ecosystem and enhancing the Protect mechanism to cover a broader range of systemic risks.
Jesse Brauner (Co-Founder & CTO) previously worked as an Engineer at Lulo, Senior Software Engineer at Ripple, Senior Software Engineer at SoFi, and Associate at JPMorgan Chase. He holds a Bachelor's degree in Computer Science and Engineering from Cornell University.
Daniel Garay (Co-Founder & CEO) previously worked as a Product Manager at Maple, Ripple, and Google. He also holds a Bachelor's degree in Computer Science and Engineering from Cornell University.