> ## Documentation Index
> Fetch the complete documentation index at: https://docs.zyf.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# What you have

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](/docs/product/infra/safe7579). 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](/docs/product/depositors/custody) |
| 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](/docs/product/depositors/risks) |
| 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](/docs/product/depositors/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](/docs/product/depositors/strategies) |
| What am I paying? | A 10% fee on yield only. No deposit or withdrawal fee. Gas is sponsored. | [Fees](/docs/product/other/fees) |
| Does this beat holding the asset? | Read the live fact sheet. | [Strategy Fact Sheet](https://www.zyf.ai/performance-detail) |
| 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](/docs/product/depositors/position) |
| How do I get out? | From the dashboard, or directly from Safe if the app is unavailable. | [Your position](/docs/product/depositors/position) |

### What a deposit contains

After you deposit, the account has four things:

1. **Your Safe**, with you as owner.
2. **A strategy**, which sets the whitelist of protocols and pools the Agent may use.
3. **A Session Key**, signed once, so the Agent can rebalance inside that whitelist without asking again.
4. **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](https://www.zyf.ai/customization). 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](https://www.zyf.ai/performance-detail).

Continue with [Custody and permissions](/docs/product/depositors/custody).


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