Polystream

Polystream is a yield app aimed at Web2 users that hides wallets, gas and signatures behind the interface. Signing up with an email or social account creates a smart account, fiat deposits are followed by operator-executed actions, and every action is restricted to whitelisted contracts and a pre-approved instruction set, with execution paths recorded as Merkle proofs. Withdrawals are unwound by the operator on instruction and returned to a bank account, so users never handle a private key.

Funds are allocated by a yield engine across lending markets on more than 35 protocols including Aave, Compound and Morpho, rebalancing automatically across five or more chains and screening venues by liquidity, protocol health and rate. The mobile app shows the current strategy, historical net value and underlying protocols as cards, with notifications on position changes. The contracts were audited by Cantina, and the project placed second in Scroll Open 2025, positioning itself as a gasless, signature-free savings entry point for mobile users.