> For the complete documentation index, see [llms.txt](https://docs.ontorium.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.ontorium.io/ontorium-stack-overview/application-layer/yield-access.md).

# Yield Access

Another key function of the Application Layer is to make yield generated across the **Ontorium Stack** accessible and usable for end users.

Yield within the system originates from financial activity in the Financial Layer, particularly through lending markets on **AQUA and curated vault strategies** built on top of assets such as OXAU.\
These returns are driven by real borrowing demand against gold-backed collateral, as well as liquidity provision and structured capital allocation.

The Application Layer packages these yield sources into unified products, allowing users to access multiple strategies through a single interface without directly interacting with underlying protocols.

Beyond access, the Application Layer also enables utilization.\
Yield is not only accumulated but can be actively used, whether held, redeployed, or integrated into payment and financial flows.

By connecting real-world asset-backed financial activity to user actions, the Application Layer transforms yield from a passive outcome into an active and usable component of the user experience.