Lulo

Lulo is a yield optimization protocol on Solana that automatically routes user deposits to the highest-yielding lending protocol at any given time. Instead of manually comparing rates across Marginfi, Save (Solend), Kamino, Drift, and other lending platforms, Lulo does the work for you — constantly monitoring rates and rebalancing deposits to maximize yield. The core value proposition of Lulo is simplicity. Solana's DeFi ecosystem has multiple competing lending protocols, each with different rates that fluctuate constantly based on supply and demand. A savvy DeFi user might check rates across five platforms and manually move funds to chase the best APY, but this is time-consuming and gas-inefficient. Lulo automates this entire process, acting as a smart aggregation layer on top of Solana's lending ecosystem. When users deposit USDC, SOL, or other supported assets into Lulo, the protocol evaluates current lending rates across integrated platforms and routes the deposit to where it will earn the most. As rates change, Lulo automatically rebalances positions to maintain optimal yield. This dynamic rebalancing happens without users needing to take any action — deposits are truly set-and-forget. Lulo integrates with the major Solana lending protocols including Marginfi, Kamino, Save (Solend), Drift, and others. By aggregating supply across multiple venues, Lulo provides consistently higher yields than any single protocol alone. The protocol also diversifies risk by spreading deposits across multiple platforms rather than concentrating everything in one. The user interface is intentionally simple — deposit, watch your yield grow, withdraw when ready. This makes Lulo particularly appealing to users who want DeFi yields without the complexity of managing positions across multiple protocols. The platform shows transparent APY breakdowns so users can see exactly where their funds are deployed and what rates they're earning. Lulo has grown rapidly since launch, attracting both retail depositors looking for simple yield and larger players who appreciate the automatic rate optimization. The protocol represents the maturation of Solana's DeFi ecosystem — as the base lending layer has stabilized with multiple reliable protocols, aggregation layers like Lulo can now build on top to offer better user experiences.