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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.

ERC-8004 Goes Live January 16. Zyfai Is Ready.
The Agentic Economy has been missing one critical piece: trust.
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$BOT Claim Guide for Zyfai Users (via Safe)

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.

ERC-8004 Goes Live January 16. Zyfai Is Ready.
The Agentic Economy has been missing one critical piece: trust.
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In January, Zyfai delivered +60.93% yield outperformance despite continued compression in DeFi money markets. While baseline stablecoin yields compressed across chains, Zyfai's Agents maintained consistent execution, dynamically reallocating capital to preserve high risk-adjusted returns.
Agents operated continuously across Base, Arbitrum, Plasma, and Sonic, capturing yield opportunities without manual intervention.
Over the past month, Zyfai introduced several key product features and SDK integrations, further reinforcing its position as the go-to agentic yield infrastructure for curators and the next wave of consumer apps.
Introduced Zyfai's MCP server and Capital Splitting
Released Openclaw skill
Went live with ERC-8004 on mainnet
Doubled down on the SDK and delivered integration partnerships with Zoof Wallet and Thirdfy
Got featured in Rhinestone's case study
Onboarded 9Summits to Zyfai, a leading curator with $93m TVL
Continued adding new pools and improving the UI and risk.zyf.ai dashboard
Launched the Phase 3 of the rZFI Incentives Program
Below is a summary of the key metrics that defined Zyfai's performance in January.
January 1—January 31, 2026
Average Zyfai Agent APY: 7.84%
Average Static Pool APY: 4.87%
Net Yield Outperformance: +60.93% vs. static DeFi
Even as headline yields declined across the ecosystem, Zyfai's dynamic allocation model continued to outperform passive strategies by a wide margin.
This reinforces Zyfai's core thesis: automation and execution matter more than absolute yield levels.

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): 10.92%
Average APY (native, no rZFI): 8.28%
Total Wallets: 548
Example Wallet Link
$10K—$100K Wallets
Average APY (with rZFI): 8.63%
Average APY (native, no rZFI): 5.99%
Total Wallets: 132
Example Wallet Link
$100K+ Wallets
Average APY (with rZFI): 7.71%
Average APY (native, no rZFI): 5.06%
Total Wallets: 22
Example Wallet Link
Key observations:
Smaller wallets benefit from faster capital cycling and higher relative APYs
Larger wallets prioritize depth, liquidity safety, and consistency
Yield compression impacts all cohorts, but Zyfai Agents preserve relative outperformance
January saw continued expansion in Agent deployment and execution activity.
Total Agents Deployed: 12,215
Total Funds Moved: $1.75B
Total AUM: ~$10M
Base
Agents Deployed: 5,143
Rebalancing Transactions: 72,675

Arbitrum
Agents Deployed: 1,793
Rebalancing Transactions: 36,448

Plasma
Agents Deployed: 756
Rebalancing Transactions: 5,760

Sonic
Agents Deployed: 3,859
Rebalancing Transactions: 33,926

Throughout January, Zyfai maintained $9–12M TVL, demonstrating strong capital stickiness despite yield compression across DeFi.
TVL distribution by chain (approximate):
Base: ~$7.3M
Arbitrum: ~$2.0M
Plasma: ~$250K
Sonic: ~$200K
This stability highlights Zyfai's positioning as a wealth management solution, not a yield-chasing protocol.

Zyfai Agents do not rely on single-protocol exposure. Instead, they continuously evaluate:
Blue-chip money markets
Emerging yield primitives
Tokenized yield instruments
Structured and risk-aware strategies
Integrated protocols include:
Aave, Morpho, Compound, Fluid, Spark, Euler, Moonwell, Silo, Harvest, Wasabi.xyz, among others.
Agents are strictly guardrailed by a deterministic, rule-based execution engine, with every action verifiable onchain via ZK proofs stored in the ERC-8004 Validation Registry.
In January, the DAO approved a new protocol fee allocation model.
Previously, fees were used for buybacks with several non-obvious drawbacks: sell pressure, front-running, execution complexity, and indirect value flow to stakers.
The new model is simpler. 100% of protocol fees flow to the DAO treasury. From there, 50% is distributed to $ZFI stakers as USDC (monthly, pro-rata), and 50% is allocated to protocol operations and R&D under the DAO mandate.
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.
January Protocol Report is available here: https://blog.zyf.ai/january-protocol-report-usdc-yield-for-dollarzfi-stakers
January reinforced three core truths about Zyfai:
Outperformance persists even in low-yield environments
Automation compounds execution edge over time
Capital retention signals long-term trust
At the same time, the market continues to validate our broader thesis: front-ends are no longer the only way to access Agents.
Consumer apps integrate Zyfai Agents directly into their products (e.g. Zoof Wallet)
Other Agents use Zyfai Agents as execution layer to generate yield
Users increasingly interact with Zyfai's execution and intelligence layers via AI assistants such as Openclaw and Claude Code, through our Openclaw skill and MCP server
+60.93% yield outperformance vs. static strategies
7.84% average Zyfai Agent APY
~$10M TVL sustained
12,000+ Agents deployed
$1.75B+ in Agentic Volume
Continued expansion of Zyfai as an autonomous yield infra
As Zyfai moves deeper into 2026, the focus remains on:
Improving execution efficiency and product accessibility
Expanding agent capabilities and product integrations
Deepening institutional-grade infrastructure
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.
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.
In January, Zyfai delivered +60.93% yield outperformance despite continued compression in DeFi money markets. While baseline stablecoin yields compressed across chains, Zyfai's Agents maintained consistent execution, dynamically reallocating capital to preserve high risk-adjusted returns.
Agents operated continuously across Base, Arbitrum, Plasma, and Sonic, capturing yield opportunities without manual intervention.
Over the past month, Zyfai introduced several key product features and SDK integrations, further reinforcing its position as the go-to agentic yield infrastructure for curators and the next wave of consumer apps.
Introduced Zyfai's MCP server and Capital Splitting
Released Openclaw skill
Went live with ERC-8004 on mainnet
Doubled down on the SDK and delivered integration partnerships with Zoof Wallet and Thirdfy
Got featured in Rhinestone's case study
Onboarded 9Summits to Zyfai, a leading curator with $93m TVL
Continued adding new pools and improving the UI and risk.zyf.ai dashboard
Launched the Phase 3 of the rZFI Incentives Program
Below is a summary of the key metrics that defined Zyfai's performance in January.
January 1—January 31, 2026
Average Zyfai Agent APY: 7.84%
Average Static Pool APY: 4.87%
Net Yield Outperformance: +60.93% vs. static DeFi
Even as headline yields declined across the ecosystem, Zyfai's dynamic allocation model continued to outperform passive strategies by a wide margin.
This reinforces Zyfai's core thesis: automation and execution matter more than absolute yield levels.

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): 10.92%
Average APY (native, no rZFI): 8.28%
Total Wallets: 548
Example Wallet Link
$10K—$100K Wallets
Average APY (with rZFI): 8.63%
Average APY (native, no rZFI): 5.99%
Total Wallets: 132
Example Wallet Link
$100K+ Wallets
Average APY (with rZFI): 7.71%
Average APY (native, no rZFI): 5.06%
Total Wallets: 22
Example Wallet Link
Key observations:
Smaller wallets benefit from faster capital cycling and higher relative APYs
Larger wallets prioritize depth, liquidity safety, and consistency
Yield compression impacts all cohorts, but Zyfai Agents preserve relative outperformance
January saw continued expansion in Agent deployment and execution activity.
Total Agents Deployed: 12,215
Total Funds Moved: $1.75B
Total AUM: ~$10M
Base
Agents Deployed: 5,143
Rebalancing Transactions: 72,675

Arbitrum
Agents Deployed: 1,793
Rebalancing Transactions: 36,448

Plasma
Agents Deployed: 756
Rebalancing Transactions: 5,760

Sonic
Agents Deployed: 3,859
Rebalancing Transactions: 33,926

Throughout January, Zyfai maintained $9–12M TVL, demonstrating strong capital stickiness despite yield compression across DeFi.
TVL distribution by chain (approximate):
Base: ~$7.3M
Arbitrum: ~$2.0M
Plasma: ~$250K
Sonic: ~$200K
This stability highlights Zyfai's positioning as a wealth management solution, not a yield-chasing protocol.

Zyfai Agents do not rely on single-protocol exposure. Instead, they continuously evaluate:
Blue-chip money markets
Emerging yield primitives
Tokenized yield instruments
Structured and risk-aware strategies
Integrated protocols include:
Aave, Morpho, Compound, Fluid, Spark, Euler, Moonwell, Silo, Harvest, Wasabi.xyz, among others.
Agents are strictly guardrailed by a deterministic, rule-based execution engine, with every action verifiable onchain via ZK proofs stored in the ERC-8004 Validation Registry.
In January, the DAO approved a new protocol fee allocation model.
Previously, fees were used for buybacks with several non-obvious drawbacks: sell pressure, front-running, execution complexity, and indirect value flow to stakers.
The new model is simpler. 100% of protocol fees flow to the DAO treasury. From there, 50% is distributed to $ZFI stakers as USDC (monthly, pro-rata), and 50% is allocated to protocol operations and R&D under the DAO mandate.
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.
January Protocol Report is available here: https://blog.zyf.ai/january-protocol-report-usdc-yield-for-dollarzfi-stakers
January reinforced three core truths about Zyfai:
Outperformance persists even in low-yield environments
Automation compounds execution edge over time
Capital retention signals long-term trust
At the same time, the market continues to validate our broader thesis: front-ends are no longer the only way to access Agents.
Consumer apps integrate Zyfai Agents directly into their products (e.g. Zoof Wallet)
Other Agents use Zyfai Agents as execution layer to generate yield
Users increasingly interact with Zyfai's execution and intelligence layers via AI assistants such as Openclaw and Claude Code, through our Openclaw skill and MCP server
+60.93% yield outperformance vs. static strategies
7.84% average Zyfai Agent APY
~$10M TVL sustained
12,000+ Agents deployed
$1.75B+ in Agentic Volume
Continued expansion of Zyfai as an autonomous yield infra
As Zyfai moves deeper into 2026, the focus remains on:
Improving execution efficiency and product accessibility
Expanding agent capabilities and product integrations
Deepening institutional-grade infrastructure
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.
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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