# Zyfai December Yield Report: +73.42% Yield Outperformance, $10M+ AUM, and Continued Agentic Growth *Below is a summary of the key metrics that defined Zyfai's performance in December.* By [Zyfai](https://blog.zyf.ai) · 2026-01-08 yield, agent, stablecoins, defi, neobank --- In December, Zyfai maintained strong performance and continued protocol growth despite broad compression across DeFi yields. Autonomous Agents continued reallocating capital across Base, Arbitrum, Plasma, and Sonic, ensuring users captured the best available risk-adjusted yields without any manual intervention. **December also marked a key milestone for Zyfai, as total AUM (Assets Under Management) surpassed $10M. This reflects growing confidence in Agent-based, automated yield execution.** ![](https://storage.googleapis.com/papyrus_images/c73d07a840513e62579827ab5f474e55950a437016a52ac4a11f0d4e166e9d88.png) Moreover, the past month introduced several key product features that lay the foundation for Zyfai's long-term growth as an institutional-grade agentic DeFi solution: * [New Security Proxy System](https://blog.zyf.ai/zyfais-new-security-proxy-system-same-trust-model-with-improved-execution) with EigenCompute KMS integration, enabling a granular calldata-aware filtering and UX improvements * [Verifiable Agents](https://blog.zyf.ai/verifiable-agents-a-new-blueprint-for-autonomous-defi-with-zk-proofs-and-erc-8004), making every rebalancing transaction verifiable via ZK proofs stored in the ERC-8004 Validation Registry * [Zyfai SDK](https://x.com/ZyfAI_/status/2003445330948550766?s=20), making Verifiable Agents accessible to Ethereum builders * [Nested Safe](https://blog.zyf.ai/nested-safe-integration) implementation, allowing institutions to run agentic infrastructure on top of their existing multisig setups Below is a summary of the key metrics that defined Zyfai's performance in December. * * * Zyfai Overview -------------- Zyfai improves capital efficiency through personalized Safe Smart Wallets ([Safe7579](https://docs.zyf.ai/docs/product/zyfai-smart-account/why-did-we-build-zyfai#how-did-we-create-an-agent-you-can-trust)) combined with deterministic, rule-based rebalancing Agents. Each Agent evaluates **20+ rebalancing checks** across DeFi blue-chip money markets and newer yield primitives. A trustless, session-key design ensures every Agent action is permissioned, constrained, and fully defined by what the user allows the Agent to do. Across chains and wallets, Zyfai has now: * **$10M+ AUM** * **$1.25B+ in cumulative Agentic volume** * **11,000+ Agents** This foundation powers Zyfai's fully autonomous yield engine. * * * +73.42% Yield Outperformance in December ---------------------------------------- Between December 1 and December 31, Zyfai Agents continuously monitored yields across all integrated pools and protocols. When a higher risk-adjusted stablecoin yield appeared, capital was reallocated autonomously, often executing in under seconds. **December Performance:** * Average Zyfai Agent APY: **9.49%** * Average Static Pool APY: **5.47%** * Net Yield Gain: **+73.42%** vs. static DeFi While absolute yields declined across the ecosystem in December, Zyfai's dynamic allocation model continued to outperform passive, single-protocol strategies by a meaningful margin. ![](https://storage.googleapis.com/papyrus_images/feeb96c8a2a08b3875a6177f8694cb1b4b720fe8ac7ce40276fa5dce4c717429.png) A comparison chart for Base shows Zyfai's average APY (green dashed line, inclusive of rZFI rewards) consistently above static USDC pool rates across the month. ### Native Yield Benchmarks by Wallet Size To demonstrate real-world yield behavior across wallet sizes, here are the native (non-boosted) APYs and rebalance counts for actual Zyfai wallets tracked through DeBank. [**$1.5M Wallet**](https://debank.com/profile/0xd9413f463892cb86a6a7fcf7f40b66d2050d13e9) * APY September: **8.21%** * APY October: **7.45%** * APY November: **6.31%** * APY December: **5.64%** * Total Rebalances: **103** * Wallet [**Link**](https://debank.com/profile/0xd9413f463892cb86a6a7fcf7f40b66d2050d13e9) [**$100K Wallet**](https://debank.com/profile/0xed39c969c75153987ea341c4588557b2a36515b6) * APY September: **12.21%** * APY October: **15.18%** * APY November: **8.31%** * APY December: **6.16%** * Total Rebalances: **147** * Wallet [**Link**](https://debank.com/profile/0xed39c969c75153987ea341c4588557b2a36515b6) [**$40K Wallet**](https://debank.com/profile/0xfbbcb5ae58bb0f6a3c9f2a6553b78f7029f14860) * APY September: **16.56%** * APY October: **9.81%** * APY November: **12.39%** * APY December: **9.3%** * Total Rebalances: **60** * Wallet [**Link**](https://debank.com/profile/0xfbbcb5ae58bb0f6a3c9f2a6553b78f7029f14860) **Insights:** * Smaller wallets often achieve **higher relative APYs** due to faster capital cycling. * Larger wallets benefit from **lower risk, deeper liquidity pools**, and consistent performance. * Rebalance frequency scales with volatility and size. This gives users a clear, transparent look at Zyfai's onchain yield behavior across different capital bands. * * * AUM Reaches $10M+ Across Chains ------------------------------- According to DefiLlama and Dune data, Zyfai's total AUM peaked above **$10M** in December, supported by steady inflows and strong capital retention. **AUM by chain:** * **Base:** ~$7.5M * **Arbitrum:** ~$2.2M * **Plasma:** ~$278K * **Sonic:** ~$202K ![](https://storage.googleapis.com/papyrus_images/454120a9069261738aec69721e6bc6f8cbc04c554eeffb5439600d7f51992ebc.png) [https://defillama.com/protocol/zyfai](https://defillama.com/protocol/zyfai) * * * Agents Deployed & Rebalancing Activity -------------------------------------- December saw continued expansion in Agent deployment and execution activity, powered by Smart Rebalancing v.2. ### **Network-level metrics:** * **Total Agents Deployed:** **11,356** * **Total Funds Moved:** **$1.25B** * **Total AUM:** **$10.2M** ### **By chain:** **Base** * Agents Deployed: **4,659** * Rebalancing Transactions: **63,859** ![](https://storage.googleapis.com/papyrus_images/6797e5be816a4c071df145e9fa6384ddc95690b1b1421c2440774d7270aba96a.png) [https://dune.com/zyfai\_agent/zyfai](https://dune.com/zyfai_agent/zyfai) **Arbitrum** * Agents Deployed: **1,598** * Rebalancing Transactions: **32,056** ![](https://storage.googleapis.com/papyrus_images/91d2b7cc64d5449b8562aa859cd53161b3b6cb8b6df4b27afc977b5ba22872e7.png) [https://dune.com/zyfai\_agent/zyfai](https://dune.com/zyfai_agent/zyfai) **Plasma** * Agents Deployed: **637** * Rebalancing Transactions: **5,540** ![](https://storage.googleapis.com/papyrus_images/cb4db793304e6bca352f58adc604b09a7bb5b2927948850b540646ebf08df6ec.png) [https://dune.com/zyfai\_agent/zyfai](https://dune.com/zyfai_agent/zyfai) **Sonic** * Agents Deployed: **3,859** * Rebalancing Transactions: **33,818** ![](https://storage.googleapis.com/papyrus_images/73c6078cf271a56f41584083b2c022672819aa5468604052671b410bc9a4b698.png) [https://dune.com/zyfai\_agent/zyfai](https://dune.com/zyfai_agent/zyfai) Across all chains, Zyfai Agents continued executing autonomously, ensuring capital remained allocated to the most efficient yield sources available. * * * Yield Strategy -------------- Zyfai's yield strategy has now been running continuously for over seven months. Rather than relying solely on traditional money markets, Zyfai expands the opportunity set by incorporating: * Newer protocols * Innovative yield primitives * Yield tokenization * Structured and leveraged vaults This approach enables users to access a broader spectrum of yield sources while maintaining disciplined, risk-aware allocation. [Underlying protocols](https://risk.zyf.ai/tvl-analytics) integrated include Aave, Morpho, Fluid, Compound, Moonwell, Spark, Euler, Silo, Harvest, Wasabi.xyz. * * * $ZFI Buyback & Burn + Native Staking Yield Program -------------------------------------------------- ![](https://storage.googleapis.com/papyrus_images/9117152143215ca162af576f2615cdaba4814e283a891a6db6240ae40fad438d.png) In December, Zyfai executed buyback using performance fees collected since the previous buyback. To strengthen rewards, $ZFI obtained from early rZFI redemptions was added to the total pool. * Snapshot date: **December 29, 2025** * Stakers: **2,099** * $ZFI staked: **15,132,638** * Performance fees accrued since last buyback: **$2,890** * **231,865 $ZFI** purchased TX ID: [https://basescan.org/tx/0x3e9bd4e2a84925d00d2b5ca91611bbc8a09d240bc3e19daf80f7a7b8852f05de](https://basescan.org/tx/0x3e9bd4e2a84925d00d2b5ca91611bbc8a09d240bc3e19daf80f7a7b8852f05de) * **32,611 $ZFI** added from early rZFI redeeming Total $ZFI to burn and stream to stakers: **264,476 $ZFI.** Of those: * **132,238 $ZFI** were burned * **132,238 $ZFI** are being streamed to stakers over January, giving them **11.82% APY** Full report is available here: [https://x.com/ZyfAI\_/status/2006433120682492026](https://x.com/ZyfAI_/status/2006433120682492026) * * * TL;DR: December Summary ----------------------- * **+73.42% yield outperformance** vs. static strategies * **9.49% average Zyfai Agent APY** * **$10M+ peak TVL** in December * **$1.25B+ cumulative Agentic volume** * **11,000+ Agents deployed** * **Institutional-grade infrastructure delivered:** [Security Proxy System](https://blog.zyf.ai/zyfais-new-security-proxy-system-same-trust-model-with-improved-execution), [Verifiable Agents](https://blog.zyf.ai/verifiable-agents-a-new-blueprint-for-autonomous-defi-with-zk-proofs-and-erc-8004) with ZK proofs and ERC-8004, [Nested Safe](https://blog.zyf.ai/nested-safe-integration), and [SDK](https://x.com/ZyfAI_/status/2003445330948550766?s=20) * * * Looking Ahead ------------- As Zyfai enters the new year, the focus remains on improving execution, expanding cross-chain automation, and refining risk-aware yield strategies. Over the past months, Zyfai has laid the foundation through the rollout of core infrastructure designed for scale and institutional adoption, positioning the protocol for accelerated growth in the year ahead. Whether users prioritize maximum performance or prefer more conservative, low-risk DeFi yields, Zyfai Agents operate continuously, reallocating, compounding, and optimizing across chains on their behalf. **Ready to earn smarter?** Deploy your Agent on [Zyfai](https://zyf.ai/) and let it operate with the speed, precision, and reliability of next-generation Autonomous Finance. * * * About Zyfai ----------- 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. [Explore Zyfai](https://zyf.ai/) | [Follow on X](https://x.com/ZyfAI_) | [Read blog](https://zyfiofficial.medium.com/) | [Explore Docs](https://docs.zyf.ai/) --- *Originally published on [Zyfai](https://blog.zyf.ai/zyfai-december-yield-report-7342percent-yield-outperformance-dollar10m-aum-and-continued-agentic-growth)*