Compare DeFi Yield Protocols
Compare lending markets, yield APIs, vault products, and institutional wallets with Zyfai. See how each approach handles custody, allocation, risk monitoring, and execution.
- Morpho vs Zyfai: Lending markets and the vaults built on them.
- Aave vs Zyfai: A lending protocol for supplying crypto assets.
- Spark vs Zyfai: A lending market for supplying crypto assets.
- Yield.xyz vs Zyfai: One API for manual staking, lending, and vault deposits.
- Beefy vs Zyfai: A DeFi vault aggregator with auto-compounding, without risk monitoring.
- Harvest vs Zyfai: DeFi vaults with auto-compounding, without risk monitoring.
- Lagoon vs Zyfai: Infrastructure for launching and managing vaults.
- Upshift vs Zyfai: Curated vaults that can be embedded in your app.
- Utila vs Zyfai: An institutional MPC wallet for managing digital assets.
Lending markets
Lending markets provide the underlying opportunities. Integrators still need to decide how positions are monitored and rebalanced. Zyfai automates those actions within an approved set of protocols and pools, based on the rules you set.
Yield APIs
Yield APIs give integrators access to multiple yield opportunities. You still need to choose them and sign all the transactions. On the other hand, Zyfai automates rebalancing and continues to monitor and manage positions after the deposit.
Yield aggregators
Beefy and Harvest offer vault strategies with automatic compounding. Zyfai instead manages allocations in user-owned Smart Accounts, rebalances across approved opportunities and monitors risk 24/7.
Vault infrastructure
Lagoon and Upshift vaults pool users’ funds in shares valued using NAV. With Zyfai Smart Accounts, each user’s deposits are managed in a personal self-custodial account with continuous risk monitoring, auto-rebalancing, and auto-compounding. The Smart Account itself does not issue pooled-vault shares or report a vault NAV.
Wallets and treasury
Institutional wallets provide custody and transaction controls. Yield management is handled by the services used with the wallet. With Zyfai, a personal self-custodial Smart Account is deployed via the user’s EOA wallet, and Zyfai manages allocation, monitoring, and rebalancing within that account. Wallets can also integrate Zyfai through its SDK.
What stays the same.
The points below apply to Zyfai’s Smart Account layer.
- Each user owns their Smart Account and retains control of their funds.
- The Agent acts through a session key with permissions limited to approved actions. A session key cannot send funds to an arbitrary address.
- The Agent monitors positions and reallocates funds within approved protocols and pools when it identifies a better yield opportunity or risk in the current pool rises beyond the limits set by your policy, provided the move meets your approved rules and execution conditions.
- The same engine runs in the app and through the SDK.
- There is no share to price, no NAV to report, and no oracle setting what the user holds.