Today, we are proud to introduce Splitting, a core upgrade to Zyfai’s Agentic layer that redefines how capital is allocated, balancing maximal efficiency with pool diversification.
Originally a feature proposed by one of our community members, Splitting represents a new milestone for pushing the boundaries of Autonomous capital. It ensures every Zyfai user who has deposited $10k or more, will always receive a balanced, proportional share of the best opportunities, taking into account the impact their own deposits have on yield.
In a typical Agentic yield optimisation, a simple algorithm might allocate everything to the single highest-APY pool. This creates two issues:
Pool Monopolisation: A large deposit can consume a significant portion of a pool's capacity, limiting access for others and concentrating risk.
Yield Dilution: A substantial deposit into a smaller pool actively reduces the APY for everyone in that pool, including the depositor. Chasing a raw number can be self-defeating.
The result is capital efficiency at the expense of the ecosystem and, ultimately, itself.
Splitting evolves our Agent’s existing rebalancing logic. Here’s how it works:
Each wallet’s allocation is determined by its proportional weight within its tier. A user with 30% of the tier’s total capital has claim to 30% of a pool's allocable capacity.
Our Agents simulate the post-deposit yield using each pool's specific Interest Rate Model (IRM). This means we evaluate the real yield you will earn after your capital’s impact is accounted for, avoiding self-dilution.
Every potential pool must still pass our rebalancing checks (which include liquidity depth, volatility, and security) before it is even considered for allocation.
Validated pools are ranked by their simulated, true APY. The Agent then allocates capital, filling each top pool up to your proportional share of its capacity before moving to the next best option. This ensures you get a piece of every top opportunity.
A rebalance only triggers if the new, split allocation provides a meaningful net improvement over your current position, ensuring we never move capital for negligible gain.
By default, splitting is only triggered when it improves your yield. In the coming days, we'll introduce manual splitting, allowing you to force-split your capital across multiple pools purely for risk diversification.
With Splitting, the dynamic changes:
For the individual user, your capital is deployed across a diversified set of the best, validated opportunities, maximising risk-adjusted returns without degrading them.
For the community, no single actor can monopolise a prime pool. Access to sustainable yield is democratised within each tier, creating a more resilient and equitable system.
For the protocols we integrate, they receive balanced, thoughtful capital inflows that support their growth.
Splitting represents our commitment to building an agentic economy where capital efficiency and equitable access are engineered outcomes. This upgrade is now live, operating within Zyfai’s Agentic infrastructure. Deploy your agent today at zyf.ai.
Zyfai gives you self-custodial access to autonomous low-risk DeFi. Our customizable rule-based Agents transform your idle capital into productive assets, rebalancing between curated opportunities.
The result is sustainable and risk-adjusted yield, where your capital is always working and under your control.
Today, we are proud to introduce Splitting, a core upgrade to Zyfai’s Agentic layer that redefines how capital is allocated, balancing maximal efficiency with pool diversification.
Originally a feature proposed by one of our community members, Splitting represents a new milestone for pushing the boundaries of Autonomous capital. It ensures every Zyfai user who has deposited $10k or more, will always receive a balanced, proportional share of the best opportunities, taking into account the impact their own deposits have on yield.
In a typical Agentic yield optimisation, a simple algorithm might allocate everything to the single highest-APY pool. This creates two issues:
Pool Monopolisation: A large deposit can consume a significant portion of a pool's capacity, limiting access for others and concentrating risk.
Yield Dilution: A substantial deposit into a smaller pool actively reduces the APY for everyone in that pool, including the depositor. Chasing a raw number can be self-defeating.
The result is capital efficiency at the expense of the ecosystem and, ultimately, itself.
Splitting evolves our Agent’s existing rebalancing logic. Here’s how it works:
Each wallet’s allocation is determined by its proportional weight within its tier. A user with 30% of the tier’s total capital has claim to 30% of a pool's allocable capacity.
Our Agents simulate the post-deposit yield using each pool's specific Interest Rate Model (IRM). This means we evaluate the real yield you will earn after your capital’s impact is accounted for, avoiding self-dilution.
Every potential pool must still pass our rebalancing checks (which include liquidity depth, volatility, and security) before it is even considered for allocation.
Validated pools are ranked by their simulated, true APY. The Agent then allocates capital, filling each top pool up to your proportional share of its capacity before moving to the next best option. This ensures you get a piece of every top opportunity.
A rebalance only triggers if the new, split allocation provides a meaningful net improvement over your current position, ensuring we never move capital for negligible gain.
By default, splitting is only triggered when it improves your yield. In the coming days, we'll introduce manual splitting, allowing you to force-split your capital across multiple pools purely for risk diversification.
With Splitting, the dynamic changes:
For the individual user, your capital is deployed across a diversified set of the best, validated opportunities, maximising risk-adjusted returns without degrading them.
For the community, no single actor can monopolise a prime pool. Access to sustainable yield is democratised within each tier, creating a more resilient and equitable system.
For the protocols we integrate, they receive balanced, thoughtful capital inflows that support their growth.
Splitting represents our commitment to building an agentic economy where capital efficiency and equitable access are engineered outcomes. This upgrade is now live, operating within Zyfai’s Agentic infrastructure. Deploy your agent today at zyf.ai.
Zyfai gives you self-custodial access to autonomous low-risk DeFi. Our customizable rule-based Agents transform your idle capital into productive assets, rebalancing between curated opportunities.
The result is sustainable and risk-adjusted yield, where your capital is always working and under your control.
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