# Zyfai July Protocol Report

> Yield Performance, Protocol Metrics, and $ZFI Staking Yield

**Published by:** [Zyfai](https://blog.zyf.ai/)
**Published on:** 2026-08-04
**Categories:** report
**URL:** https://blog.zyf.ai/zyfai-july-protocol-report-yield-performance-protocol-metrics-and-dollarzfi-staking-yield

## Content

In July, Zyfai Agents continued to outperform static vaults, while the first full month of weekly fee collection generated nearly four times June's fees and delivered an 8.3% APY in USDC to $ZFI stakers. This monthly report covers Zyfai's performance in July: How much Yield Agents generated for users How Zyfai performed against static pools How much protocol revenue was collected How much USDC yield was distributed to $ZFI stakers What shipped this month What comes next 1. Agent Yield Performance July 1–July 31, 2026 Average Zyfai Agent APY (without incentives): 6.41% Average Static Pool APY: 4.52% Net Yield Outperformance: +41.65% vs. static DeFi A comparison chart for Base shows Zyfai's average APY (blue dashed line, inclusive of rZFI rewards) consistently above static USDC pool rates across the month. In July, Zyfai Agents once again delivered stronger yields than static vaults. For every $100 of yield generated by a static strategy in July, Zyfai Agents generated $141.65. The logic is straightforward. Static strategies allocate capital once and leave it there. Zyfai's rule-based Agents continuously evaluate yield, liquidity, and pool risk, then rebalance when a stronger risk-adjusted opportunity becomes available. Capital preservation remains the priority behind every allocation. Before Agents can access a pool, it must first pass the quant team's whitelisting process. From there, the risk layer monitors pool health, liquidity, collateral conditions, TVL and APY stability, and FUD on socials around the clock. 2. Yield Performance by Wallet Size The figures below compare weighted APYs by wallet-size cohort, measured net of fees and including rZFI incentives where applicable. $1K–$10K Wallets Average APY (with rZFI): 10.3148% Average APY (native, no rZFI): 8.0154% Example Wallet Link $10K–$100K Wallets Average APY (with rZFI): 10.0964% Average APY (native, no rZFI): 7.7971% Example Wallet Link $100K+ Wallets Average APY (with rZFI): 8.5425% Average APY (native, no rZFI): 6.2432% Example Wallet Link Smaller wallets benefited most from rapid capital rotation and the higher relative APYs available through more aggressive strategies. Larger wallets prioritized liquidity depth and safer strategies, since even modest rebalancing gains could make a meaningful difference at the portfolio level. 3. Protocol Metrics: July Snapshot Total AUM: ~$8.09M USDC AUM: ~$5.88M ETH AUM: ~733 ETH WBTC AUM: ~1.88 WBTC cbBTC AUM: ~11.34 cbBTC Agents deployed: 15,559 Agentic volume: ~$3.11B Cumulative rebalancing transactions: ~233K+ Source: https://defillama.com/protocol/zyfai By chain: Ethereum: AUM: ~$433K USDC + 1.51 WBTC + 145 ETH Agents deployed: 610 Rebalancing transactions: 1,802 Average APY with incentives: 8.44% on USDC, 2.62% on WBTC, 4.38% on WETH Source: https://dune.com/zyfai_agent/zyfai Base: AUM: ~$4.75M USDC + 11.34 cbBTC + 519 ETH Agents deployed: 5,850 Rebalancing transactions: 158,176 Average APY with incentives: 11.48% on USDC, 5.87% on cbBTC, 7.83% on WETH Source: https://dune.com/zyfai_agent/zyfai Arbitrum: AUM: ~$697K USDC + 0.37 WBTC + 69 ETH Agents deployed: 2,316 Rebalancing transactions: 73,056 Average APY with incentives: 7.48% on USDC, 2.36% on WBTC, 3.17% on WETH Source: https://dune.com/zyfai_agent/zyfai 4. Protocol Fees and $ZFI Staking Yield Zyfai takes a 10% performance fee on yield generated by Agents. This fee is charged only on profit, never on deposited capital. The same Agent activity that earns users their yield is what funds the staking stream, so stakers hold a direct claim on protocol performance rather than token emissions. Every fee collected runs through the DAO treasury first, then splits in two: 50% to $ZFI stakers, paid in USDC and distributed monthly on a pro-rata basis 50% to protocol operations and R&D under the DAO mandate Updated Fee Collection Model: $9,919 in July Fees July was the first full month of Zyfai's weekly performance fee collection model. The mechanism generated $9,919 in USDC fees across supported chains, compared with $2,586 in June. That was 3.84x June's total, showing that the weekly collection model worked as intended and turned ongoing Agent performance into a more consistent revenue stream. July Report Snapshot date: July 31, 2026 Stakers: 2,350 $ZFI staked: 88,114,143 (17.65% of total supply) Performance fees accrued: $9,919 USDC $ZFI price at snapshot: $0.0056 Staking amount at snapshot in $ value: $493,439 50% streaming to $ZFI stakers = $4,960 or 8.3% APY Dashboard: https://zyf.ai/staking TX ID: https://basescan.org/tx/0x3ea68df96852d831850317b597e20bdd877ad832b12a474670f15cf85b6cfff5 50% allocated to protocol operations and development under the DAO mandate = $4,960 TX ID: https://basescan.org/tx/0x733906184657c9d6a50e9a948ddcbfc092adde728ce34c3b0445778d0237f595 How to maximize your monthly staking yield If you want the highest share of rewards, timing matters. The earlier in the month you stake, the larger your position at snapshot time. Snapshot happens at the end of every calendar month. If you staked in Month A, you receive yield throughout Month B. If you unstake before the end-of-month snapshot, you are excluded from the next month's reward stream. Staking dashboard: https://zyf.ai/staking 5. What Shipped in July July was a strong month for AUM growth, but that wasn't the only highlight. Zyfai also: Introduced theYield Simulator Playground for allocation previews before deposits Added Fluid USDC vaults on Base and Arbitrum Added the ClearstarLabs cbAssets Vault to Zyfai strategies Launched a new Merkl incentive campaign for USDC, WETH, and cbBTC on Base Started rZFI Phase 5, running through January 9, 2027 Announced the upcoming Morpho Midnight integration for automated fixed-term lending Shared our perspective on the DeFi risk premium Crossed $3B in agentic volume Ranked highest overall in the new Trust & Security Framework for Agentic DeFi, developed by Owney. 6. What's Next The main priorities for August are: Improve the product experience across onboarding, deposits, and strategy selection Launch more partnerships and integrations Introduce more ways to generate yield across new assets The August focus is practical: make the product easier to use, ship entirely new features, and continue showing the market why onchain SMAs are a better way to allocate capital. TL;DR: July 2026 Agent Performance: Average Zyfai Agent APY: 6.41% Average Static Pool APY: 4.52% Net Yield Outperformance: +41.65% vs. static DeFi Protocol Fees and Staker Yield: Protocol Fees Collected: $9,919 USDC Distributed to $ZFI Stakers: $4,960 Native Staking APY: 8.3% About Zyfai Zyfai provides self-custodial access to rule-based DeFi strategies. Its Agents allocate capital across curated opportunities and rebalance under defined rules. Returns are variable and DeFi risks remain. Your assets remain under your control through the supported self-custodial paths. 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