In September, Zyfai Agents outperformed static strategies by 37.53%. We also added support for Coinbase Tokenized Stocks, launched Swap, brought Earn to Wallet V, and won Decentral House’s Startup Pitch Competition.
This monthly report covers Zyfai's performance in September:
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
September 1–September 30, 2026
Average Zyfai Agent APY (without incentives): 6.23%
Average Static Pool APY: 4.52%
Net Yield Outperformance: 37.53% vs. static DeFi
In September, Zyfai Agents once again delivered stronger yields than static vaults.
For every $100 of yield generated by a static strategy in September, Zyfai Agents generated $137.53.
Zyfai's rule-based Agents monitor yield, liquidity, and pool risk as conditions change. They move capital between approved pools when another opportunity offers a better risk-adjusted yield.
Capital preservation remains the first priority. Our quant team vets pools before whitelisting them, and the risk layer continuously monitors pool health, liquidity, collateral conditions, TVL, APY stability, and social sentiment.
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): 6.78%
Average APY (native, no rZFI): 5.57%
Example Wallet Link
$10K–$100K Wallets
Average APY (with rZFI): 6.43%
Average APY (native, no rZFI): 5.22%
Example Wallet Link
$100K+ Wallets
Average APY (with rZFI): 6.42%
Average APY (native, no rZFI): 5.21%
Example Wallet Link
Smaller allocations can fit into pools with less liquidity. Larger allocations need more depth, so cohort results depend on pool capacity, strategy choice, and rebalancing opportunities.
3. Protocol Metrics: September Snapshot
Total AUAM: ~$10.67M
USDC AUAM: ~$6.28M
ETH AUAM: ~896 ETH
WBTC AUAM: ~2.14 WBTC
cbBTC AUAM: ~17.22 cbBTC
Agents deployed: 17,287
Agentic volume: ~$3.83B
Cumulative rebalancing transactions: ~334K
By chain:
Ethereum:
AUAM: 291K USDC, 35K EURC, 1.71 WBTC, and 79 ETH
Agents deployed: 771
Rebalancing transactions: 2,610
Average APY with incentives: 8.58% on USDC, 4.11% on EURC, 1.27% on WBTC, 4.66% on WETH
Base:
AUAM: 5.5M USDC, 81K EURC, 17.22 cbBTC, and 723 ETH
Agents deployed: 6,168
Rebalancing transactions: 207,966
Average APY with incentives: 10.61% on USDC, 6.12% on EURC, 3.32% on cbBTC, 6.46% on WETH
Arbitrum:
AUAM: 478K USDC, 0.43 WBTC, and 95 ETH
Agents deployed: 2,471
Rebalancing transactions: 84,963
Average APY with incentives: 6.74% on USDC, 1.09% on WBTC, 2.20% on WETH
4. Protocol Fees and $ZFI Staking Yield
Zyfai charges a 10% performance fee on the profit Agents generate and does not charge this fee on deposited capital.
Zyfai uses a share of those collected fees to fund USDC rewards for $ZFI stakers, linking the stream to Agent activity.
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
September Report
Snapshot date: October 1, 2026
Stakers: 2,367
$ZFI staked: 106,236,029 (21.27% of total supply)
Performance fees accrued: $5,052 USDC
$ZFI price at snapshot: $0.0058
Staking amount at snapshot in $ value: $616,168
50% allocated to $ZFI stakers = $2,526 or 4.83% APY.
50% allocated to protocol operations and development under the DAO mandate = $2,526
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.
5. What Shipped in September
In September, we expanded the assets and pools available to Yield Accounts and improved the controls around them.
September updates included:
Added Telegram notification controls and a weekly recap, so users can choose which Agent activity notifications they receive.
Wallet V integrated the Zyfai SDK to launch Earn, giving users access to Zyfai yield directly inside the wallet.
Added support for Coinbase Tokenized Stocks on Base
Launched Swap, allowing a Yield Account to handle the withdrawal, swap, and deposit needed to move between supported assets.
Added Api3 dCOMP USDC on Ethereum and three USDC pools from K3 Capital, Noon, and Hyperithm across Ethereum and Base.
Added a yield-source breakdown to the website to explain pool yield and incentives.
Added Glider Monitor by Hexens to the risk engine, with attack detection, vulnerability checks, custom monitoring rules, and a map of supported pools' contract dependencies.
6. What's Next
The main priorities for October are:
Improve the UX to make Zyfai easier to use, including through integrations with your favorite AI assistants
Expand B2B partnerships and onboard more partners to build on the Zyfai SDK
Enable direct lending to individual Morpho markets
Attend TOKEN2049 in Singapore and its side events
TL;DR: September 2026
Agent Performance:
Average Zyfai Agent APY: 6.23%
Average Static Pool APY: 4.52%
Net Yield Outperformance: 37.53% vs. static DeFi
Protocol Fees and Staker Yield:
Protocol Fees Collected: $5,052
USDC Allocated to $ZFI Stakers: $2,526
Native Staking APY: 4.83%
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.