# Zyfai February Yield Report: +51.13% Yield Outperformance *A summary of the key metrics that defined Zyfai’s performance in February.* By [Zyfai](https://blog.zyf.ai) · 2026-03-04 yield, defi, stablecoins, agent, defai, apy, neobank, crypto --- **February Overview** --------------------- In February, Zyfai outperformed static USDC strategies by 51.13% across chains, despite increased volatility and liquidity rotation across DeFi markets. While AUM saw short-term fluctuations after peaking above $11M mid-month, agentic volume surpassed $2B, showing strong capital efficiency as Agents continuously rotated capital into the best opportunities. February was defined by: * [Zyfai’s skill for OpenClaw](https://x.com/Zyfai_/status/2018311181388394639?s=20), with **~2,000 downloads** to date * ERC-8004 support on [Base](https://x.com/Zyfai_/status/2019015550413013285?s=20) and [Arbitrum](https://x.com/Zyfai_/status/2019776223405322502?s=20) * [A new SDK integration with Thirdfy](https://x.com/Zyfai_/status/2019385035254821326?s=20) * [ZyfaiBot](https://x.com/Zyfai_/status/2021939956579741838?s=20), your personal DeFi advisor * [Upcoming Ethereum mainnet launch and ETH support](https://x.com/Zyfai_/status/2023375232812380397?s=20) * Revamped [docs](https://x.com/Zyfai_/status/2026281133223346658?s=20) * A growing [amount of ZFI staked](https://x.com/Zyfai_/status/2022319280021533035?s=20) Automation remained the performance driver. Zyfai Agents continued executing autonomously across Base, Arbitrum, Sonic, and Plasma, dynamically reallocating capital to preserve yield efficiency and risk discipline. Below is a summary of the key metrics that defined Zyfai’s performance in February. * * * **February Performance Summary (USDC-denominated)** --------------------------------------------------- **February 1—February 28, 2026** * **Average Zyfai Agent APY:** 6.19% * **Average Static Pool APY:** 4.09% * **Net Yield Outperformance:** +51.13% vs. static DeFi Even as baseline stablecoin yields compressed and capital rotated between pools, Zyfai’s deterministic allocation engine preserved meaningful spread over passive strategies. > This reinforces Zyfai’s thesis: Yield compression does not eliminate edge, agentic execution preserves it. ![](https://storage.googleapis.com/papyrus_images/329b1ec70b15ee63d2cbd557bec69fe51a05fafd8eff84c1c55b572866bcb095.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. * * * **Yield Performance by Wallet Size: February** ---------------------------------------------- To illustrate yield performance in practice, the table below shows actual weighted APYs by wallet size cohort, measured net of fees and inclusive of rZFI incentives where applicable. **$1K—$10K Wallets** * Average APY (with rZFI): **8.35%** * Average APY (native, no rZFI): **6.88%+** * Example [Wallet Link](https://debank.com/profile/0xb9fb1efdd73b5f5f133144eda722b9124df8c1c4) **$10K—$100K Wallets** * Average APY (with rZFI): **6.36%** * Average APY (native, no rZFI): **4.88%** * Example [Wallet Link](https://debank.com/profile/0xB056d3387E2D3A8B0B139e1873cE659cFF5378ce) **$100K+ Wallets** * Average APY (with rZFI): **6.15%** * Average APY (native, no rZFI): **4.67%** * Example [Wallet Link](https://debank.com/profile/0xED39c969c75153987Ea341C4588557b2A36515b6) **Key observations:** * Smaller wallets benefit from faster capital cycling and higher relative APYs * Larger wallets prioritize depth, liquidity safety, and consistency * Despite AUM fluctuations and yield compression, relative outperformance was preserved across all cohorts. * * * **Key Metrics** --------------- * Total Agents Deployed: **12,891** * Total Funds Moved: **$2B+** * Total AUM: **$7–8M range** ![](https://storage.googleapis.com/papyrus_images/4f2c2f46fc50faf2d7ca4c385204f530a0e0dd4f9613e0bb8a5f2faf47b42b7e.png) [https://defillama.com/protocol/zyfai](https://defillama.com/protocol/zyfai) ### **By chain:** **Base** * AUM: **~$5.31M** * Agents Deployed: **5,473** * Rebalancing Transactions: **88,619** ![](https://storage.googleapis.com/papyrus_images/fe99c5b561fec3619e26eab66b781de9f77845edceb975883d54d3e10800234a.png) [https://dune.com/zyfai\_agent/zyfai](https://dune.com/zyfai_agent/zyfai) **Arbitrum** * AUM: **~$1.47M** * Agents Deployed: **2,021** * Rebalancing Transactions: **43,870** ![](https://storage.googleapis.com/papyrus_images/0293c4c5cf44d09d893d6401b9a04921f2a6815222e86cd4565bb45a2048d54f.png) [https://dune.com/zyfai\_agent/zyfai](https://dune.com/zyfai_agent/zyfai) **Sonic** * AUM: **~$248K** * Agents Deployed: **3,859** * Rebalancing Transactions: **34,014** ![](https://storage.googleapis.com/papyrus_images/394501f07ac88b4af9eba67d452597ca4c82c059da4e1b8a5c94ef9e41995d7f.png) [https://dune.com/zyfai\_agent/zyfai](https://dune.com/zyfai_agent/zyfai) **Plasma** * AUM: **~$145K** * Agents Deployed: **878** * Rebalancing Transactions: **6,172** ![](https://storage.googleapis.com/papyrus_images/67349490ff911240a92041756da417df4a0e61a45af171c5e7824f6c76fb2b88.png) [https://dune.com/zyfai\_agent/zyfai](https://dune.com/zyfai_agent/zyfai) * * * **Sustained Multi-Chain Execution** ----------------------------------- Total rebalancing transactions across chains now exceed **170,000+ cumulative rebalances.** Zyfai Agents operate continuously, reallocating capital based on numerous factors: * Money market APY changes * Underlying collateral changes * Protocol health * Liquidity depth & TVL stability * Risk thresholds * Zyfai’s exposure to certain pools Execution remains strictly rule-based and verifiable onchain via ZK proofs stored in the ERC-8004 Validation Registry. * * * **February Protocol Report: USDC Yield for $ZFI Stakers** --------------------------------------------------------- A few days ago, the DAO completed monthly distribution of the collected performance fees: 50% to protocol operations and R&D under the DAO mandate and 50% to $ZFI stakers, paid in USDC. * $ZFI staked: **27,329,232** * Performance fees accrued: **$4,968** * $ZFI price at the snapshot: **$0.006105** **Result: 19.55% APY to $ZFI stakers, paid in USDC.** This gives stakers direct flexibility: buy more $ZFI, deposit USDC back into Zyfai, or do whatever they want with it. Meanwhile, the protocol retains resources to scale faster. February Protocol Report is available here: [https://blog.zyf.ai/february-protocol-report-usdc-yield-for-dollarzfi-stakers](https://blog.zyf.ai/february-protocol-report-usdc-yield-for-dollarzfi-stakers) * * * **TL;DR: February 2026** ------------------------ * **+51.13%** yield outperformance vs. static strategies * **6.19%** average Zyfai Agent APY * **~$7–11M** TVL range throughout the month * **12,891** Agents deployed * **$2B+** cumulative Agentic volume February demonstrated that Zyfai’s edge is not dependent on high headline yield, but on continuous, rule-based execution. * * * **Looking Ahead** ----------------- As Zyfai moves deeper into 2026, the focus remains on: * Improving execution efficiency and product accessibility * Expanding agent capabilities and product offerings * Deepening institutional-grade infrastructure and delivering new SDK integrations * Refining risk-aware automation across chains Whether optimizing for performance or stability, Zyfai Agents continue to operate autonomously, verifiably, and continuously on behalf of users. * * * **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](http://zyf.ai/) | [Follow on X](https://x.com/ZyfAI_) | [Read blog](https://blog.zyf.ai/) | [Explore Docs](https://docs.zyf.ai/) --- *Originally published on [Zyfai](https://blog.zyf.ai/zyfai-february-yield-report-5113percent-yield-outperformance)*