# Zyfai January Yield Report: +60.93% Yield Outperformance at $10M AUM By [Zyfai](https://blog.zyf.ai) · 2026-02-05 yield, defai, defi, agent, stablecoins, neobank --- January Overview ---------------- 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](https://x.com/ZyfAI_/status/2011468419015840024?s=20) and [Capital Splitting](https://x.com/ZyfAI_/status/2013634916739682448?s=20) * Released [Openclaw skill](https://x.com/ZyfAI_/status/2018311181388394639) * [Went live with ERC-8004](https://x.com/ZyfAI_/status/2016941270816731247?s=20) on mainnet * Doubled down on the SDK and delivered integration partnerships with [Zoof Wallet](https://x.com/ZyfAI_/status/2016161377963147577) and [Thirdfy](https://x.com/ZyfAI_/status/2019385035254821326) * Got featured in Rhinestone's [case study](https://x.com/ZyfAI_/status/2011868759506764039?s=20) * [Onboarded 9Summits](https://x.com/ZyfAI_/status/2014683199939702851?s=20) to Zyfai, a leading curator with $93m TVL * Continued [adding new pools](https://x.com/ZyfAI_/status/2011025459430244368?s=20) and [improving the UI](https://x.com/ZyfAI_/status/2014407672553251266?s=20) and [risk.zyf.ai](http://risk.zyf.ai/) dashboard * Launched the [Phase 3 of the rZFI Incentives Program](https://x.com/ZyfAI_/status/2009657003011149905?s=20) Below is a summary of the key metrics that defined Zyfai's performance in January. * * * January Performance Summary --------------------------- **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. ![](https://storage.googleapis.com/papyrus_images/8b670934a47dc29355c53a160e791f6bdf37fd3306f66bd9f9b426dea93cb7b1.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 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](https://debank.com/profile/0xb9fb1efdd73b5f5f133144eda722b9124df8c1c4) **$10K—$100K Wallets** * Average APY (with rZFI): **8.63%** * Average APY (native, no rZFI): **5.99%** * Total Wallets: **132** * Example [Wallet Link](https://debank.com/profile/0xB056d3387E2D3A8B0B139e1873cE659cFF5378ce) **$100K+ Wallets** * Average APY (with rZFI): **7.71%** * Average APY (native, no rZFI): **5.06%** * Total Wallets: **22** * Example [Wallet Link](https://debank.com/profile/0xd9413f463892cb86a6a7fcf7f40b66d2050d13e9) **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 * * * Key Metrics ----------- January saw continued expansion in Agent deployment and execution activity. * Total Agents Deployed: **12,215** * Total Funds Moved: **$1.75B** * Total AUM: ~**$10M** ### By chain: **Base** * Agents Deployed: **5,143** * Rebalancing Transactions: **72,675** ![](https://storage.googleapis.com/papyrus_images/bbc9732740cfdab3d4fc7ba664ecaeff7754c075025d4267d5c9804156cd9fd4.png) [https://dune.com/zyfai\_agent/zyfai](https://dune.com/zyfai_agent/zyfai) **Arbitrum** * Agents Deployed: **1,793** * Rebalancing Transactions: **36,448** ![](https://storage.googleapis.com/papyrus_images/2fcd5cbe9e435919090c018a11724bca61e3fe8a89a94734ca1cb5640ba8a170.png) [https://dune.com/zyfai\_agent/zyfai](https://dune.com/zyfai_agent/zyfai) **Plasma** * Agents Deployed: **756** * Rebalancing Transactions: **5,760** ![](https://storage.googleapis.com/papyrus_images/d4b4ec59885310895075919b2b7f3ceffe61ef7a3f4a979124e48be7649f67aa.png) [https://dune.com/zyfai\_agent/zyfai](https://dune.com/zyfai_agent/zyfai) **Sonic** * Agents Deployed: **3,859** * Rebalancing Transactions: **33,926** ![](https://storage.googleapis.com/papyrus_images/69006f455daf981c58aee320617972366c6b321b6b0cb4d941ae6a9345486a48.png) [https://dune.com/zyfai\_agent/zyfai](https://dune.com/zyfai_agent/zyfai) * * * ### Sustained AUM at $10M Scale 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. ![](https://storage.googleapis.com/papyrus_images/10aaad2e01900c9d4106ec2d327cdc3834276bb7591734ecf8742d4101db7807.png) [https://defillama.com/protocol/zyfai](https://defillama.com/protocol/zyfai) * * * Strategy Update: Execution Over Yield Chasing --------------------------------------------- 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. * * * **January Protocol Report: USDC Yield for $ZFI Stakers** -------------------------------------------------------- In January, the [DAO approved a new protocol fee allocation model](https://snapshot.box/#/s:zyfai.eth/proposal/0xe8cc48f3095958c58884780bfc5c96c081a491f8fb883a0be3d2ee4cf0852ea9). 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](https://blog.zyf.ai/january-protocol-report-usdc-yield-for-dollarzfi-stakers) * * * Key Takeaways ------------- 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](https://x.com/ZyfAI_/status/2016161377963147577)) 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](https://claw.zyf.ai/) and [MCP server](https://x.com/ZyfAI_/status/2011468419015840024) * * * TL;DR: January 2026 ------------------- * **+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** * * * Looking Ahead ------------- 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. * * * **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-january-yield-report-6093percent-yield-outperformance-at-dollar10m-aum)*