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This page is how the account behaves after the strategy is set: fees, compounding, swaps, customization, and withdrawals.

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Does it beat holding the asset?

Use the Strategy Fact Sheet. It is the returns and risk page for the strategies. Read it against the asset you would have held. rZFI and points are incentives on top of that result, not the strategy APY. See Incentives and Points.

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Fees

Zyfai charges a 10% performance fee on yield only. There is no deposit fee and no withdrawal fee. The fee is taken weekly, or at withdrawal if some yield has not been charged yet. Half of collected fees go to ZFI stakers in USDC. The worked example is on Fees. Gas for Agent actions is sponsored. See Paymaster.

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Where the yield goes

By default, reward tokens are auto-compounded. When they reach a $2 threshold, they are swapped to USDC, EURC, ETH, or BTC and added back to the active position. You can turn auto-compounding off in Agent settings. Reward tokens then stay as they are, and you can claim them yourself. rZFI is claimed separately on the dashboard. It is not part of this swap.

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Swaps

The Agent swaps in two places:
  • Reward compounding, into USDC, EURC, ETH, or BTC, as above.
  • Your strategy’s whitelist. Conservative is USDC only and does not swap that USDC into another stable to chase yield. Aggressive and Yield Maxxing can use a wider set of pools, still only inside the pools that passed the Risk Framework.
The Agent does not give you an open trading account. It does not swap an idle bag into a token outside the strategy. Funding a deposit from another token, on another chain, is a separate step at deposit time. Integrators do that with sendSwapDeposit before the position exists.

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Customization

The strategy selects the protocols and pools the Agent may use. On the customization page you can narrow chains, protocols, and pools. The Agent will not leave that list. You can leave the list on the strategy default. The whitelist and the six checks still apply. You can also open risk.zyf.ai and remove anything you do not want, without taking the allocation back by hand. For balances of $10,000 or more, Capital Splitting can spread the position across several pools in that list instead of one. Chains today are Ethereum, Base, and Arbitrum. With OmniAccounts, the Agent can rebalance between Base and Arbitrum. Otherwise the position stays on the chain you deposited on.

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Withdrawals

No withdrawal fee. If a weekly performance fee has not been collected yet, it is taken at withdrawal. You can withdraw in the Zyfai dashboard. You can also move funds from the Safe in the Safe app if you want to exit without the Agent.

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ZFI on the same account

Staking ZFI is optional and separate from the yield position. Current utility is native USDC from 50% of performance fees, and a 2x rebalance frequency boost from 200,000 staked ZFI. Details are on Staking & Utility. Governance votes are on the DAO page.