Lulo

Lulo receives a B risk grade (25/100) from Hindenrank, where lower scores indicate lower risk. Lulo is Solana's leading yield aggregator with a clean UX and strong growth ($15M to $100M+ in a year). The non-custodial design and user risk settings are thoughtful. Main concern is cascading risk from underlying protocols — you're trusting 4 lending platforms, not just one. Good for stablecoin savers who want passive optimization, but understand you're taking on aggregated protocol risk. Lulo is a yield aggregator on Solana that automatically moves your stablecoin deposits to whichever lending protocol is paying the highest interest rate. Think of it as a smart savings account that shops around for the best rate across Kamino, Drift, Save, and MarginFi — currently offering up to 7.65% APY on USDC.

The key risks identified for Lulo are: (1) Your money is deposited into other lending protocols — if one of them gets hacked, you could lose funds (2) A security audit found critical issues (now reportedly fixed) including oracle failures and withdrawal bugs (3) There's no Lulo token, so the team makes all decisions with no community governance

Lulo scores 25/100 across eight risk dimensions: Mechanism Novelty: 2/15, Interaction Severity: 5/20, Oracle Surface: 2/10, Documentation Gaps: 2/10, Track Record: 2/15, Scale Exposure: 3/10, Regulatory Risk: 4/10, Vitality Risk: 5/10. The highest risk area is Vitality Risk at 5/10.

Among 116 rated Yield protocols on Hindenrank, Lulo ranks #9 by safety (lowest risk score = safest). Its 25/100 risk score and B grade place it among the safer Yield protocols.

Lulo scores 2/15 on the Track Record risk dimension, indicating some history of security incidents or exploits. Higher scores reflect more severe or frequent incidents. Review the full risk report for details.