Offyield is a financial technology project offering a yield-only spending card for stablecoin holders. Users deposit stablecoins, which are supplied to a single on-chain lending money market on Robinhood Chain. Their deposit becomes locked principal, while the lending interest accrues as a separate, spendable balance.

The card is designed to draw only from that accrued yield: charges exceeding the available amount are declined rather than covered with principal. Users can withdraw principal to their wallet in full or in part through a deliberate withdrawal action; spending cannot trigger a withdrawal. Offyield describes its accounting as fail-closed, treating spendable yield as zero if chain reads or accrual data are unavailable.

The project runs on an EVM-compatible Arbitrum Orbit rollup identified as chain 4663 and describes deposits as USDG stablecoins. It states that yield comes from lending interest, not validator staking, leverage, or investment strategies, and that deposits and interest do not interact with its $OFY token