# Zyfai January Yield Report: +60.93% Yield Outperformance at $10M AUM

**Published by:** [Zyfai](https://blog.zyf.ai/)
**Published on:** 2026-02-05
**Categories:** yield, defai, defi, agent, stablecoins, neobank
**URL:** https://blog.zyf.ai/zyfai-january-yield-report-6093percent-yield-outperformance-at-dollar10m-aum

## Content

January OverviewIn 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 SplittingReleased Openclaw skillWent live with ERC-8004 on mainnetDoubled down on the SDK and delivered integration partnerships with Zoof Wallet and ThirdfyGot featured in Rhinestone's case studyOnboarded 9Summits to Zyfai, a leading curator with $93m TVLContinued adding new pools and improving the UI and risk.zyf.ai dashboardLaunched the Phase 3 of the rZFI Incentives ProgramBelow is a summary of the key metrics that defined Zyfai's performance in January.January Performance SummaryJanuary 1—January 31, 2026Average Zyfai Agent APY: 7.84%Average Static Pool APY: 4.87%Net Yield Outperformance: +60.93% vs. static DeFiEven 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.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 SizeTo 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 WalletsAverage APY (with rZFI): 10.92%Average APY (native, no rZFI): 8.28%Total Wallets: 548Example Wallet Link$10K—$100K WalletsAverage APY (with rZFI): 8.63%Average APY (native, no rZFI): 5.99%Total Wallets: 132Example Wallet Link$100K+ WalletsAverage APY (with rZFI): 7.71%Average APY (native, no rZFI): 5.06%Total Wallets: 22Example Wallet LinkKey observations:Smaller wallets benefit from faster capital cycling and higher relative APYsLarger wallets prioritize depth, liquidity safety, and consistencyYield compression impacts all cohorts, but Zyfai Agents preserve relative outperformanceKey MetricsJanuary saw continued expansion in Agent deployment and execution activity.Total Agents Deployed: 12,215Total Funds Moved: $1.75BTotal AUM: ~$10MBy chain:BaseAgents Deployed: 5,143Rebalancing Transactions: 72,675https://dune.com/zyfai_agent/zyfaiArbitrumAgents Deployed: 1,793Rebalancing Transactions: 36,448https://dune.com/zyfai_agent/zyfaiPlasmaAgents Deployed: 756Rebalancing Transactions: 5,760https://dune.com/zyfai_agent/zyfaiSonicAgents Deployed: 3,859Rebalancing Transactions: 33,926https://dune.com/zyfai_agent/zyfaiSustained AUM at $10M ScaleThroughout January, Zyfai maintained $9–12M TVL, demonstrating strong capital stickiness despite yield compression across DeFi. TVL distribution by chain (approximate):Base: ~$7.3MArbitrum: ~$2.0MPlasma: ~$250KSonic: ~$200KThis stability highlights Zyfai's positioning as a wealth management solution, not a yield-chasing protocol.https://defillama.com/protocol/zyfaiStrategy Update: Execution Over Yield ChasingZyfai Agents do not rely on single-protocol exposure. Instead, they continuously evaluate:Blue-chip money marketsEmerging yield primitivesTokenized yield instrumentsStructured and risk-aware strategiesIntegrated 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 StakersIn 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-stakersKey TakeawaysJanuary reinforced three core truths about Zyfai:Outperformance persists even in low-yield environmentsAutomation compounds execution edge over timeCapital retention signals long-term trustAt 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 yieldUsers increasingly interact with Zyfai's execution and intelligence layers via AI assistants such as Openclaw and Claude Code, through our Openclaw skill and MCP serverTL;DR: January 2026+60.93% yield outperformance vs. static strategies7.84% average Zyfai Agent APY~$10M TVL sustained12,000+ Agents deployed$1.75B+ in Agentic VolumeContinued expansion of Zyfai as an autonomous yield infraLooking AheadAs Zyfai moves deeper into 2026, the focus remains on:Improving execution efficiency and product accessibilityExpanding agent capabilities and product integrationsDeepening institutional-grade infrastructureRefining risk-aware automation across chainsWhether optimizing for performance or stability, Zyfai Agents continue to operate autonomously, verifiably, and continuously on behalf of users.About ZyfaiZyfai 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

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