What you have - Zyfai Documentation

This section is for people who deposit. It answers what sits in your account, what the Agent is allowed to do, and where to check whether a strategy has been worth it. Each Zyfai user gets a personal Safe Smart Account. Your EOA stays the owner. Funds are not pooled with other users, and Zyfai does not take custody.

The short version

Question	Answer	Read next
Does the Agent hold my funds?	No. You own the Safe. The Agent can only act inside the permissions you signed.	Custody and permissions
What can I actually lose?	Protocol risk and asset risk in the pools you approved, plus the Zyfai permission layer on top. There is no insurance fund.	Risks you take
What are you watching?	Six checks before every rebalance, plus liquidity, bad debt, borrowers near liquidation, oracles, and strategy drift. Past exits are public.	What we monitor
Which strategy do I have?	Conservative, Aggressive, or Yield Maxxing. Same security stack. Yield Maxxing withdrawals clear within 72 hours.	Choosing a strategy
What am I paying?	A 10% fee on yield only. No deposit or withdrawal fee. Gas is sponsored.	Fees
Does this beat holding the asset?	Read the live fact sheet.	Strategy Fact Sheet
Will the Agent swap my tokens?	Reward tokens compound into USDC, EURC, ETH, or BTC. Conservative does not swap your USDC into another stable.	Your position
How do I get out?	From the dashboard, or directly from Safe if the app is unavailable.	Your position

What a deposit contains

After you deposit, the account has four things:

Your Safe, with you as owner.
A strategy, which sets the whitelist of protocols and pools the Agent may use.
A Session Key, signed once, so the Agent can rebalance inside that whitelist without asking again.
The position itself, which the Agent can split across several pools in that whitelist.

You can narrow protocols, pools, and chains later from the customization page. Until you do, the Agent stays inside the whitelist of the strategy you picked. Returns and risk for those strategies are on the Strategy Fact Sheet. Continue with Custody and permissions.