Cross-Chain Atomic Rebalancing

One Balance. All Chains. Best Yields.

At ZyFAI, we believe the future is chain-agnostic, and so is yield. Users shouldn’t have to worry about picking the right chain, bridging, and swapping tokens manually. All the complexity should be abstracted away and handled seamlessly by Agents.

That’s why the next step for ZyFAI is to bring users an omni-chain experience, one where they can deposit from any chain, and their Agent automatically rebalances assets across all of them: no manual bridging, no user-paid gas, and no slippage.

At a high level:

• One Balance: deposit once, access yield opportunities across chains.

• Agentic Strategy: users choose networks/pools; their Agent handles rebalancing.

• Cross-Chain Atomic Rebalancing: funds are continuously optimized across all chains (starting with Base and Arbitrum) for best available yield.

• Gas/Bridge Fee Sponsorship: fees are abstracted away from end users and covered by ZyFAI and Rhinestone.

• Tech stack: Warp by Rhinestone as a blazing-fast intent routing and execution engine with Across as battle-tested, trustless settlement layer for intent-bridge operations.

User Flow

With this update, ZyFAI unifies balances and yield strategies across chains into a single entity, enabling Agents’ cross-chain interoperability through an intent-based transaction system.

Step 1. ZyFAI Smart Account deployment

During onboarding, users are prompted to deploy their own ZyFAI Smart Accounts on all supported chains. ZyFAI Smart Account is a modular Safe7579 smart wallet, deployed directly by the user’s EOA. Users retain full control over the wallet and its assets, ensuring self-custody.

Read more here.

Step 2. Agent’s strategy choosing & signing Session Keys

After deploying ZyFAI Smart Accounts, users can select an Agent strategy that matches their risk profile: Safe or Yieldor. Later, they can fine-tune and personalize their protocol and pool selections on the Customization page.

After selecting a strategy, users sign Session Keys. These grant Agent temporary, scope-limited permissions to interact with the chosen protocols on the user’s behalf. That enables unattended execution within strict policy limits.

Step 3. Deposit on any supported chain

During the next step, users deposit stablecoins from any supported chain.

In the closed beta, deposits are available in USDC on Base and Arbitrum.

Once deposited, the Agent continuously reallocates funds to the highest yield opportunities across supported chains.

What Powers Cross-Chain Atomic Rebalancing?

ZyFAI leverages Warp by Rhinestone to make Agents truly chain-agnostic, enabling them to pursue the best yield opportunities across all supported chains. Warp turns intents into atomic, deterministic cross-chain executions, ensuring seamless interoperability and maximum capital efficiency. We’re proud to be a design partner, helping to shape this game-changing infrastructure.

Intents via Warp start with the Relayer supplying the required tokens, plus gas, and any calldata (an onchain instruction set) for actions on the destination chain. This is what guarantees speed: inclusion on the destination blockchain from intent creation averages <1.5 seconds on Ethereum L2s, even when Ethereum L1 is used as an origin chain. The output token is known and guaranteed by the Relayer, and therefore, deterministic, MEV-protected, and without slippage. Simultaneously, the Relayer initiates a claim on the relevant origin chain(s) where the user has tokens. Repayment to the relayer is managed by the underlying settlement layer.

Warp supports arbitrary origin-chain and destination-chain operations as part of a single intent without compromising crosschain atomicity and deterministic outcomes. Origin executions are user-authorized operations that run before funds are deposited into the settlement layer. Destination-chain executions take place after the fill transaction and are guaranteed, given there is no cross-chain slippage with Warp.

Specifically for ZyFAI, a custom session key implementation has been developed for compatibility with intent-based transactions and The Compact (a new resource locking primitive, developed by Uniswap Labs in collaboration with Rhinestone and LI.FI), enabling multi-chain automations without compromising self-custody. Furthermore, it works with all smart account implementations, including ERC-7579 for first-class features, making Warp a perfect choice for our product.

ZyFAI uses Across as production-ready, modular settlement layer for intent-bridge operations. Across brings a trustless, permissionless, maximally efficient and modular settlement system, which reduces cost to relayers, and ultimately, users. With Across' settlement architecture, repayment is made on the relayer’s chain of choice, reducing overhead and complexity of managing crosschain positions. This lowers costs for relayers enabling better pricing and execution for end-users. It is enabled by Across' Hub and Spoke model, where passive LPs extend loans to relayers for taking on time-value risk as funds are rebalanced through canonical bridges by the protocol.

To sum it up, Warp allows ZyFAI Agents to perform cross-chain rebalances, while maintaining deterministic outcomes and removing UX pitfalls of legacy manual bridging.

Agent's Flow

Step 1. Agent scans all supported protocols across all supported chains

The ZyFAI Smart Rebalancing v.2 Engine continuously monitors every supported protocol across all integrated chains.

Based on multiple rebalancing checks, it determines whether a rebalance is needed.

• If not, the Agent keeps funds in the current position.

• If yes, the Agent proceeds to Step 2.

Step 2. Agent creates an intent & Warp executes the cross-chain transaction

To perform cross-chain atomic rebalancing, the Agent creates an intent, which Warp executes using Across as the settlement layer.

• Warp’s Orchestrator indexes balance and computes the cheapest/fastest route. It uses The Compact resource lock to guarantee atomicity/determinism (no partial fills or race conditions).

• A relayer pre-funds the destination chain, providing the exact output amount, while simultaneously opening a claim on the origin chain. This yields slippage-free, MEV-protected, deterministic fills.

• The Across settlement layer handles relayer repayment on origin chains; Warp coordinates this under the hood.

All fees are covered by ZyFAI and Rhinestone.

Step 3. Agent allocates funds to the selected protocol

Once the funds arrive on the destination chain, the Agent automatically allocates them to the previously selected protocol. The entire process of cross-chain rebalancing completes in under 1.5 seconds.