Yield Aggregator · Review
ActiveDeFindex Review 2026: Stellar Yield API for Wallets and Apps
DeFindex is a Stellar-based yield infrastructure layer that lets wallets, neobanks and fintech apps add non-custodial stablecoin savings through an API. It holds about $18.9M in TVL, but its fee and yield details are not published publicly.
By the DappsAtlas editorial team · Updated
DappsAtlas score
7.2/10
Good
Our verdict on DeFindex
7.2/10DeFindex suits wallet, neobank and fintech teams that want to add non-custodial stablecoin yield on Stellar through a simple API. Its main strength is easy integration backed by audits and a clear partner case study. The main caveat is that yields, fees and revenue-share terms are not published publicly, and the track record is short, so check the audit report and vault details before committing funds.
Score breakdown
How DeFindex scores
- Security
- 7.0/10
- Ease of use
- 7.5/10
- Fees
- n/a
- Features
- 7.0/10
Scores run from 0 to 10 and are based only on facts we could verify. Where information was missing we mark the score n/a rather than guess.
What is DeFindex?
DeFindex is a yield aggregator on the Stellar network, built by PaltaLabs. Rather than targeting individual traders, it sells yield infrastructure to wallets, neobanks, fintech apps and other DeFi protocols that want to offer stablecoin savings.
DefiLlama shows about $18.9 million in TVL, with a 7-day change of -0.2%, and lists it since February 2026. The homepage cites partners across LATAM, EMEA and APAC, and a case study where the Beans wallet reached $610K in stablecoin deposits within three months.
The pitch is that users should not need to leave an app or understand blockchains to earn yield, while the integrator can capture some revenue.
How DeFindex works
DeFindex provides vaults on Stellar that pool deposits of stablecoins and other assets. Each vault allocates funds to yield strategies built on major Stellar protocols, and can rebalance between them automatically.
Apps connect through a REST API or SDK. The app generates a deposit transaction for the user, the user signs it with their own wallet, and the transaction is sent to the network. The homepage example includes an option to auto-invest after deposit and a slippage setting.
Because the protocol is non-custodial, funds remain in smart contracts that the user controls through their wallet signature. Returns come from the underlying strategies, so they can vary and carry the risks of those protocols.
6 features
Key features
01
API and SDK integration
A REST API and TypeScript SDK let apps generate deposit transactions and send them to the network, with no custom smart-contract work required by the integrator.
02
Multi-token vaults
Vaults can accept USDC, EURC and other Stellar assets, with exposure to major Stellar protocols.
03
Non-custodial design
Users sign deposits from their own wallet and the protocol states it does not take custody of funds.
04
Automated strategies
The homepage describes diversified yield sources and automated rebalancing inside vaults.
05
Partner revenue share
Partner apps can capture revenue from the yield they distribute, according to the homepage. The terms are not detailed publicly.
06
Audits and transparency
The site points to audited contracts and a transparent performance history, with a dashboard on Dune and public documentation.
Pros and cons
What we like
- Non-custodial design reduces custody and compliance burden for integrators
- Simple REST API and SDK, with no smart-contract work required for partners
- Two audits listed on DefiLlama and an audit report linked on the site
- Supports USDC, EURC and other Stellar assets
- Public documentation, GitHub SDK and a Dune dashboard aid transparency
- Real partner case study with a stated $610K in deposits over three months
Watch out for
- Yield figures and APYs are not published publicly, so expected returns cannot be judged
- Runs only on Stellar, which limits reach compared with multichain aggregators
- Aimed at developers and businesses, so retail users cannot easily use it directly
- Revenue-share terms are not detailed
- Listed on DefiLlama only since February 2026, so the track record is short
- Smart-contract risk remains even with audits, and the audit scope is not detailed here
DeFindex fees
DeFindex does not publish specific fee figures. The homepage mentions revenue sharing for partner apps, which implies fees are taken from yield, but the split is not given here.
Users should check the vault and strategy pages and the documentation for performance fees, plus normal Stellar network fees when signing transactions.
Is DeFindex safe?
DefiLlama lists two audits, and the homepage links to an audit report and describes audited contracts and risk management. The audit firms and findings are not named publicly, so readers should read the report directly.
The protocol is described as non-custodial, which removes the risk of a company holding funds, but not smart-contract, strategy or underlying-protocol risk. The track record is short, as it was listed in February 2026. No incidents are mentioned publicly. Regulatory status is not stated. Yield products carry risk and returns are not guaranteed.
6 steps
How to get started with DeFindex
- 1
Read the documentation and browse the strategies page to see which vaults and assets are available.
- 2
Decide whether you are a developer or a regular user. Most direct use is through partner apps that have integrated DeFindex.
- 3
Developers can request an API key and install the SDK from GitHub.
- 4
Test deposits on testnet first, as the homepage example does.
- 5
Open the audit report and check the vault's strategy and risks before depositing real funds.
- 6
Sign deposit transactions with your own Stellar wallet and monitor your balance.
Who DeFindex is for
DeFindex is mainly for developers and product teams at wallets, neobanks and DeFi apps that serve stablecoin holders, especially in emerging markets. Individual users may reach it through partner apps, but should treat it like any DeFi vault and review the risks first.
DeFindex FAQs
What is DeFindex?
DeFindex is a yield infrastructure protocol on Stellar. It provides vaults and an API/SDK so wallets, neobanks and DeFi apps can offer stablecoin yield to their users without building the strategies themselves.
Is DeFindex non-custodial?
The homepage describes it as 100% non-custodial. Users sign deposit transactions with their own wallet, and the protocol is built to avoid custody risk. Smart-contract risk still applies to any vault.
Which blockchain and assets does DeFindex support?
DefiLlama lists it on Stellar only. The homepage mentions support for USDC, EURC and other Stellar assets, and for major Stellar protocols.
Has DeFindex been audited?
Public sources list two audits on DefiLlama, and the homepage links to an audit report and describes audited contracts. Readers should open the report to check scope and findings before depositing.
What yields can I expect?
Expected yields are not stated. Rates depend on the vault strategies, and the strategies page on the official site is where current figures would appear.
Does DeFindex have a token?
DeFindex has no token according to DefiLlama. The project does not mention a token launch.
Compare
DeFindex alternatives
Convex Finance is a DeFi yield platform that boosts rewards for Curve, Frax and f(x) liquidity providers and lets CVX lockers vote on emissions.
Spark Savings is a Sky ecosystem savings product where users deposit stablecoins and other assets to earn a variable yield tied to the Sky Savings Rate.
Lulo is a non-custodial Solana stablecoin yield aggregator that spreads deposits across lending protocols with a built-in coverage layer.
Vesper is a multi-chain yield aggregator where users deposit into pools to earn yield, with institutional and protocol integration services.
vfat.io is a non-custodial, multi-chain yield aggregator and portfolio manager built on the Sickle smart contract wallet, for active DeFi farmers.
Concentrator is an Ethereum yield protocol from AladdinDAO that auto-compounds rewards from Curve, Convex, Frax and related protocols.
Same category
More Yield Aggregators
Yearn Finance is a DeFi yield aggregator whose automated vaults deposit crypto into on-chain strategies to earn compounding yield for self-custody users.
Superform is a multi-chain yield aggregator and onchain wealth app that offers automated SuperVaults and 800+ earning options, plus the UP governance token.
Origin ARM is a set of Origin Protocol vaults that earn yield by buying discounted redeemable assets and redeeming them at par, for ETH and stablecoin holders.
infiniFi is an on-chain stablecoin yield protocol where users mint iUSD and either stake it for liquidity or lock it for higher yield.
Harvest Finance is a DeFi yield aggregator and APY index tracking 101 strategies across five networks, for users comparing onchain yields.
Auto Finance Autopools automate DeFi liquidity and lending allocations for users seeking managed, variable-yield strategies.
Same chain
More on Stellar
Gate is a centralized crypto exchange founded in 2013 offering spot, futures, stocks and earn products for traders who want one multi-asset account.
Bitget is a centralized exchange for crypto spot and futures that also offers tokenized stocks, commodities and forex in one account, for active traders.
USDT0 is Tether's omnichain system that puts USDT and tokenized gold (XAUT0) on 25+ blockchains, for users and protocols needing unified stablecoin liquidity.
SwissBorg is a MiCA-regulated European crypto app that aggregates exchanges for trading, with Auto-Invest, Earn and a BORG loyalty token.
CEX.IO is a UK-registered centralized crypto exchange since 2013 offering spot and margin trading, card buys and staking to retail and institutional users.
Upshift is a multi-chain vault platform where third-party strategists run onchain yield strategies for stablecoin, BTC, ETH and XRP deposits.
Guides
Guides that mention DeFindex
Blockchain
Stellar Soroban Smart Contracts and DeFi: A 2026 ExplainerStellar's Soroban adds Turing-complete smart contracts to a network originally built for payments and asset issuance. This guide explains what that means for DeFi builders and users, and what to check before you use any app.
How we checked
Sources
Last updated . Spotted an error? Tell us and we will correct it.