Directory/Overlayer
Overlayer

Overlayer

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Category
  • DeFi Apps
Use Cases
  • Asset Tokenization
  • Cross-Chain Transfers
  • Treasury Management
  • US Dollar Access
Circle Products Used
  • USDC
  • EURC
Blockchains Supported
  • Base
  • Ethereum
On/Off-Ramps
  • No
Platform
  • Web
Region
  • Europe
Country
  • United Kingdom
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Overlayer

DeFi infrastructure for stablecoins unlocking a new class of programmable, yield-native assets.

Overlayer is DeFi infrastructure that upgrades existing stablecoins into their overlaid versions: a new asset class combining yield, reliability, interoperability, and censorship resistance. Instead of creating yet another stablecoin, our protocol overlays the ones already in use, transforming them into complete, decentralized assets.

Our mission is to unlock the largest pool of idle capital onchain. With over 70% of the $300B+ stablecoin market sitting unused, Overlayer converts passive liquidity into productive, trustless, and versatile money without forcing users to switch assets or compete with their issuers.

Use Cases

DeFi Settlement Format

Overlaid Assets give stablecoin liquidity a programmable settlement format for DeFi. They are designed to move, integrate, and compose across applications while preserving the underlying unit of account.

Yield on Stable Assets

Powered by underlying lending on Aave, earn yield by staking the synthetic version of your stablecoin - fully onchain with no intermediaries, locks, or fees.

Cross-Chain Utility

Move Overlaid Assets across supported chains through omnichain transfer infrastructure; core backing and redemption accounting remain anchored to the primary deployment.

Builder Composability

Non-rebasing ERC-20/OFT-compatible assets are easier to integrate across wallets, AMMs, lending markets, routing systems, and protocol treasuries without yield accounting side effects.

Reserve Index

Remaining separate from core minting, redemption, backing, and staking, the Reserve Index is an auxiliary liquidity module designed to support routing, execution, and ecosystem utility.

Regulatory-Aware Architecture

Overlayer is designed around a clear separation between base settlement assets and optional staking-based yield participation, avoiding embedded yield claims in the transferable base asset.

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Ready to connect with Overlayer?

Digital assets are subject to a number of risks, including price volatility. Transacting in digital assets could result in significant losses and may not be suitable for some consumers. Digital asset markets and exchanges are not regulated with the same controls or customer protections available with other forms of financial products and are subject to an evolving regulatory environment. Digital assets do not typically have legal tender status and are not covered by deposit protection insurance. The past performance of a digital asset is not a guide to future performance, nor is it a reliable indicator of future results or performance. Additional disclosures can be found on the Legal and Privacy page.

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