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:

1. Outperformance persists even in low-yield environments

2. Automation compounds execution edge over time

3. 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.

1. Consumer apps integrate Zyfai Agents directly into their products (e.g. Zoof Wallet)

2. Other Agents use Zyfai Agents as execution layer to generate yield

3. 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.

Explore Zyfai | Follow on X | Read blog | Explore Docs

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:

1. Outperformance persists even in low-yield environments

2. Automation compounds execution edge over time

3. 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.

1. Consumer apps integrate Zyfai Agents directly into their products (e.g. Zoof Wallet)

2. Other Agents use Zyfai Agents as execution layer to generate yield

3. 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.

Explore Zyfai | Follow on X | Read blog | Explore Docs