ZyFAI, an autonomous algorithmic agent, allows you to generate attractive returns on stablecoins in DeFi without having to do anything. Discover how it works and how you can generate passive income with your USDC by delegating the management of your positions to a tailor-made tool.
Decentralized finance, finally accessible to everyone?
Decentralized finance (DeFi) makes financial services accessible to everyone, without banks. It is the most popular sector in the crypto industry, where you can put your cryptocurrencies to work, often with much higher returns than in traditional finance or on centralized crypto platforms. However, accessing and mastering it remains complex. You need to understand the mechanisms of DeFi, identify the best opportunities among numerous protocols, position yourself, and then regularly adjust your positions. These are all tedious, time-consuming steps that can cause you to lose money if you mismanage your investments.
Forget all that. Thanks to account abstraction and autonomous DeFi agents, these constraints are now a thing of the past. ZyFAI, a pioneering protocol in this field, allows any user—including novices—to earn attractive returns on their USDC (the stablecoin issued by Circle) in a simple, automated, and optimized way on the Base and Sonic blockchains (the solution will soon be deployed on more blockchains).
With registration and deployment taking just five minutes, ZyFAI is establishing itself as an effective alternative to manual management. Its autonomous agent identifies the best opportunities and allocates funds automatically, while minimizing hidden costs (transaction fees, etc.).
Imagine a financial advisor who never sleeps and changes your investments as soon as they find a better opportunity. That’s exactly what ZyFAI does.
How does ZyFAI work?
ZyFAI relies on account abstraction to provide a smooth and frictionless user experience (UX). When signing up, users create a smart wallet in just a few clicks, then choose a strategy that suits their risk profile. The autonomous agent constantly scans the protocols validated when the wallet was created, looking for the best opportunities. When a more profitable option is detected, it acts automatically on behalf of the user.
- Creation of a smart wallet
- Choice of strategy (currently conservative or aggressive)
- The DeFi agent monitors the markets to find the best returns
- The tool automatically reallocates your USDC to maximize your returns
At the time of writing, the average annual yield (APY) offered by ZyFAI is 35.54%. This feat is made possible by the introduction of rZFI (which we will explain in detail later).
The distribution of returns is as follows:
- 12.1% is paid directly in USDC;
- 23.44% is paid in rZFI.
With such high returns on offer, ZyFAI’s total value locked (TVL) has skyrocketed. According to data from DeFiLlama, its TVL has increased by 283% since July 1.
How rZFI works
rZFI, short for “Rewards ZFI,” is, as its name suggests, the reward crypto of the ZyFAI protocol.
Its operation, inspired by the Euler Finance model, elegantly aligns the interests of the protocol with those of the crypto holders over the long term.
In fact, the returns obtained in rZFI are only exchangeable for ZFI (which can then be exchanged for any other cryptocurrency), the protocol’s native cryptocurrency.
Here is how to sell your rZFI:
- 20% are available immediately upon claim;
- the remainder, i.e. 80%, is released on a linear basis over a period of 6 months.
Thus, when a user chooses to exchange their rZFI for ZFI before the 6-month vesting period, they automatically receive 20% + the amount released over the expected period. All tokens that have not been released will revert to the treasury of ZyFAI’s decentralized autonomous organization (DAO).
Example: Emma earns 1,000 rZFI after depositing funds in ZyFAI’s smart wallets. She claims them on her wallet on August 15:
- Immediate redemption: She can redeem 200 ZFI (20%) immediately, but loses the remaining 80%.
- Full acquisition: If she waits for the full 6-month period, she can redeem all 1,000 ZFI.
- Partial redemption: At any time during the acquisition period, she can redeem the unlocked ZFI proportionally. For example, after 3 months, approximately 600 ZFI would be redeemable (20% in advance + 50% of the remaining 80%).
With this innovative model, ZyFAI makes high returns in the USDC stablecoin accessible while ensuring a smooth user experience, even without prior DeFi expertise.
As with any cryptocurrency investment, returns are not guaranteed and there is a risk of loss. Only invest what you are prepared to lose.
