Zyfai — Yield for Any Wallet
Turn any Ethereum wallet into a yield-generating account.
What This Does
When a user wants to earn yield on their crypto, Zyfai creates a deterministic subaccount (Safe smart wallet) linked to their existing wallet (EOA). Funds deposited into this subaccount are automatically optimized across DeFi protocols. The user stays in full control and can withdraw anytime.
┌─────────────────┐ ┌──────────────────────┐
│ User's EOA │ ───► │ Zyfai Subaccount │
│ (their wallet) │ │ (Safe smart wallet) │
│ │ │ │
│ Owns & controls│ │ • Auto-rebalancing │
│ │ │ • Yield optimization│
│ │ │ • Non-custodial │
└─────────────────┘ └──────────────────────┘
Key points:
- The subaccount is owned by the user's EOA — only they can withdraw
- Session keys allow automated rebalancing but cannot withdraw to other addresses
- Same EOA = same subaccount address across all chains
The Flow
1. DEPLOY → Create a deterministic subaccount linked to user's wallet
2. SESSION → Enable automated yield optimization
3. DEPOSIT → Send funds to subaccount (starts earning)
4. WITHDRAW → Pull funds back to wallet (anytime)
Prerequisites
- API Key — Get one programmatically (see below) or manually at sdk.zyf.ai
- Wallet Connection — Either a wallet provider (browser) or secure key management (server)
- Node.js 18+
bash
npm install @zyfai/sdk viem
Programmatic API Key Creation (Agent-Native)
Agents can create their own API key without human intervention. You need the wallet address (public key) of the agent.
bash
POST https://sdk.zyf.ai/api/sdk-api-keys/create
Content-Type: application/json
{
"clientName": "my-agent",
"walletAddress": "0x...",
"email": "agent@example.com"
}
Response:
json
{
"success": true,
"message": "SDK API key created successfully. Store the apiKey securely - it cannot be retrieved later!",
"data": {
"id": "936...",
"apiKey": "zyfai_361ad41d083c2fe.....",
"keyPrefix": "zyfai_361ad4",
"clientName": "my-agent",
"ownerWalletAddress": "0x..."
}
}
Important: Store the
securely — it cannot be retrieved later. The key is linked to the provided wallet address.
Supported Chains
| Chain | ID |
|---|
| Arbitrum | 42161 |
| Base | 8453 |
| Plasma | 9745 |
Important: Always Use EOA Address
When calling SDK methods,
always pass the EOA address (the user's wallet address) as
— never the subaccount/Safe address. The SDK derives the subaccount address automatically from the EOA.
Wallet Connection Options
The SDK supports multiple ways to connect a wallet. Choose based on your security requirements and deployment context.
Option 1: Wallet Provider (Recommended for Browser/dApps)
Use an injected wallet provider like MetaMask. The private key never leaves the user's wallet.
typescript
import { ZyfaiSDK } from "@zyfai/sdk";
const sdk = new ZyfaiSDK({ apiKey: "your-api-key", referralSource: "openclaw-skill" });
// Connect using injected wallet provider (MetaMask, WalletConnect, etc.)
await sdk.connectAccount(window.ethereum, 8453);
Security: The private key stays in the user's wallet. The SDK only requests signatures when needed.
Option 2: Viem WalletClient (Recommended for Server Agents)
Use a pre-configured viem WalletClient. This is the recommended approach for server-side agents as it allows integration with secure key management solutions.
typescript
import { ZyfaiSDK } from "@zyfai/sdk";
import { createWalletClient, http } from "viem";
import { base } from "viem/chains";
import { privateKeyToAccount } from "viem/accounts";
// Create wallet client with your preferred key management
// Option A: From environment variable (simple but requires secure env management)
const account = privateKeyToAccount(process.env.PRIVATE_KEY as `0x${string}`);
// Option B: From KMS (AWS, GCP, etc.) - recommended for production
// const account = await getAccountFromKMS();
// Option C: From Wallet-as-a-Service (Turnkey, Privy, etc.)
// const account = await turnkeyClient.getAccount();
const walletClient = createWalletClient({
account,
chain: base,
transport: http(),
});
const sdk = new ZyfaiSDK({ apiKey: "your-api-key", referralSource: "openclaw-skill" });
// Connect using the WalletClient
await sdk.connectAccount(walletClient, 8453);
Security: The WalletClient abstraction allows you to integrate with secure key management solutions like:
- AWS KMS / GCP Cloud KMS — Hardware-backed key storage
- Turnkey / Privy / Dynamic — Wallet-as-a-Service providers
- Hardware wallets — Via WalletConnect or similar
Option 3: Private Key String (Development Only)
Direct private key usage.
typescript
import { ZyfaiSDK } from "@zyfai/sdk";
const sdk = new ZyfaiSDK({ apiKey: "your-api-key", referralSource: "openclaw-skill" });
// WARNING: Only use for development. Never hardcode private keys in production.
await sdk.connectAccount(process.env.PRIVATE_KEY, 8453);
Security Warning: Raw private keys in environment variables are a security risk. For production autonomous agents, use Option 2 with a proper key management solution.
Security Comparison
| Method | Security Level | Use Case |
|---|
| Wallet Provider | High | Browser dApps, user-facing apps |
| WalletClient + KMS | High | Production server agents |
| WalletClient + WaaS | High | Production server agents |
| Private Key String | Low | Development/testing only |
Step-by-Step
1. Connect to Zyfai
typescript
import { ZyfaiSDK } from "@zyfai/sdk";
import { createWalletClient, http } from "viem";
import { base } from "viem/chains";
import { privateKeyToAccount } from "viem/accounts";
const sdk = new ZyfaiSDK({ apiKey: "your-api-key", referralSource: "openclaw-skill" });
// For browser: use wallet provider
await sdk.connectAccount(window.ethereum, 8453);
// For server: use WalletClient (see Wallet Connection Options above)
const walletClient = createWalletClient({
account: privateKeyToAccount(process.env.PRIVATE_KEY as `0x${string}`),
chain: base,
transport: http(),
});
await sdk.connectAccount(walletClient, 8453);
2. Deploy Subaccount
typescript
const userAddress = "0x..."; // User's EOA (NOT the subaccount address!)
const chainId = 8453; // Base
// Check if subaccount exists
const wallet = await sdk.getSmartWalletAddress(userAddress, chainId);
console.log(`Subaccount: ${wallet.address}`);
console.log(`Deployed: ${wallet.isDeployed}`);
// Deploy if needed
if (!wallet.isDeployed) {
const result = await sdk.deploySafe(userAddress, chainId, "conservative");
console.log("Subaccount deployed:", result.safeAddress);
}
Strategies:
- — Stable yield, lower risk
- — Higher yield, higher risk
3. Enable Yield Optimization
typescript
await sdk.createSessionKey(userAddress, chainId);
// Always verify the session key was activated
const user = await sdk.getUserDetails();
if (!user.hasActiveSessionKey) {
// Session key not active — retry the process
console.log("Session key not active, retrying...");
await sdk.createSessionKey(userAddress, chainId);
// Verify again
const userRetry = await sdk.getUserDetails();
if (!userRetry.hasActiveSessionKey) {
throw new Error("Session key activation failed after retry. Contact support.");
}
}
console.log("Session key active:", user.hasActiveSessionKey);
This allows Zyfai to rebalance funds automatically. Session keys cannot withdraw to arbitrary addresses — only optimize within the protocol.
Important: Always verify the session key is active by checking
getUserDetails().hasActiveSessionKey
after calling
. If it returns
, retry the process. A session key must be active for automated yield optimization to work.
4. Deposit Funds
typescript
// Deposit 10 USDC (6 decimals) - default asset
await sdk.depositFunds(userAddress, chainId, "10000000");
// Deposit 0.5 WETH (18 decimals)
// IMPORTANT: User must have WETH, not ETH. Wrap ETH to WETH first if needed.
await sdk.depositFunds(userAddress, chainId, "500000000000000000", "WETH");
Funds move from EOA -> Subaccount and start earning yield immediately.
5. Withdraw Funds
typescript
// Withdraw all USDC (default)
await sdk.withdrawFunds(userAddress, chainId);
// Partial USDC withdrawal (5 USDC)
await sdk.withdrawFunds(userAddress, chainId, "5000000");
// Withdraw all WETH
await sdk.withdrawFunds(userAddress, chainId, undefined, "WETH");
Funds return to the user's EOA. Withdrawals are processed asynchronously.
6. Disconnect
typescript
await sdk.disconnectAccount();
Complete Example
typescript
import { ZyfaiSDK } from "@zyfai/sdk";
import { createWalletClient, http } from "viem";
import { base } from "viem/chains";
import { privateKeyToAccount } from "viem/accounts";
async function startEarningYield(userAddress: string) {
const sdk = new ZyfaiSDK({ apiKey: process.env.ZYFAI_API_KEY! });
const chainId = 8453; // Base
// Connect using WalletClient (recommended for server agents)
const walletClient = createWalletClient({
account: privateKeyToAccount(process.env.PRIVATE_KEY as `0x${string}`),
chain: base,
transport: http(),
});
await sdk.connectAccount(walletClient, chainId);
// Deploy subaccount if needed (always pass EOA as userAddress)
const wallet = await sdk.getSmartWalletAddress(userAddress, chainId);
if (!wallet.isDeployed) {
await sdk.deploySafe(userAddress, chainId, "conservative");
console.log("Subaccount created:", wallet.address);
}
// Enable automated optimization
await sdk.createSessionKey(userAddress, chainId);
// Verify session key is active
const user = await sdk.getUserDetails();
if (!user.hasActiveSessionKey) {
console.log("Session key not active, retrying...");
await sdk.createSessionKey(userAddress, chainId);
const userRetry = await sdk.getUserDetails();
if (!userRetry.hasActiveSessionKey) {
throw new Error("Session key activation failed. Contact support.");
}
}
// Deposit 100 USDC
await sdk.depositFunds(userAddress, chainId, "100000000");
console.log("Deposited! Now earning yield.");
await sdk.disconnectAccount();
}
async function withdrawYield(userAddress: string, amount?: string) {
const sdk = new ZyfaiSDK({ apiKey: process.env.ZYFAI_API_KEY! });
const chainId = 8453; // Base
// Connect using WalletClient
const walletClient = createWalletClient({
account: privateKeyToAccount(process.env.PRIVATE_KEY as `0x${string}`),
chain: base,
transport: http(),
});
await sdk.connectAccount(walletClient, chainId);
// Withdraw funds (pass EOA as userAddress)
if (amount) {
// Partial withdrawal
await sdk.withdrawFunds(userAddress, chainId, amount);
console.log(`Withdrawn ${amount} (6 decimals) to EOA`);
} else {
// Full withdrawal
await sdk.withdrawFunds(userAddress, chainId);
console.log("Withdrawn all funds to EOA");
}
await sdk.disconnectAccount();
}
API Reference
| Method | Params | Description |
|---|
| (walletClientOrProvider, chainId)
| Authenticate with Zyfai |
| | Get subaccount address & status |
| (userAddress, chainId, strategy)
| Create subaccount |
| | Enable auto-optimization |
| (userAddress, chainId, amount, asset?)
| Deposit USDC or WETH |
| (userAddress, chainId, amount?, assetType?)
| Withdraw USDC or WETH |
| | Get active DeFi positions |
| | Get available protocols & pools |
| (crossChain?, days?, strategy?, chainId?, tokenSymbol?)
| Get APY by strategy and token |
| | Get authenticated user details |
| | Get earnings data |
| | Update strategy, protocols, splitting, cross-chain settings |
registerAgentOnIdentityRegistry
| | Register agent on ERC-8004 Identity Registry |
| | End session |
Note: All methods that take
expect the
EOA address, not the subaccount/Safe address.
Data Methods
getPositions
Get all active DeFi positions for a user across protocols. Optionally filter by chain.
Parameters:
| Parameter | Type | Required | Description |
|---|
| userAddress | string | Yes | User's EOA address |
| chainId | SupportedChainId | No | Optional: Filter by specific chain ID |
Example:
typescript
// Get all positions across all chains
const positions = await sdk.getPositions("0xUser...");
// Get positions on Arbitrum only
const arbPositions = await sdk.getPositions("0xUser...", 42161);
Returns:
typescript
interface PositionsResponse {
success: boolean;
userAddress: string;
positions: Position[];
}
getAvailableProtocols
Get available DeFi protocols and pools for a specific chain with APY data.
typescript
const protocols = await sdk.getAvailableProtocols(42161); // Arbitrum
protocols.protocols.forEach((protocol) => {
console.log(`${protocol.name} (ID: ${protocol.id})`);
if (protocol.pools) {
protocol.pools.forEach((pool) => {
console.log(` Pool: ${pool.name} - APY: ${pool.apy || "N/A"}%`);
});
}
});
Returns:
typescript
interface ProtocolsResponse {
success: boolean;
chainId: SupportedChainId;
protocols: Protocol[];
}
getUserDetails
Get current authenticated user details including smart wallet, chains, protocols, and settings. Requires SIWE authentication.
typescript
await sdk.connectAccount(walletClient, chainId);
const user = await sdk.getUserDetails();
console.log("Smart Wallet:", user.smartWallet);
console.log("Chains:", user.chains);
console.log("Has Active Session:", user.hasActiveSessionKey);
Returns
UpdateUserProfileResponse
(same as
).
updateUserProfile
Update the authenticated user's profile settings including strategy, protocols, splitting, and cross-chain options. Requires SIWE authentication.
typescript
sdk.updateUserProfile(params: UpdateUserProfileRequest): Promise<UpdateUserProfileResponse>
Parameters:
typescript
interface UpdateUserProfileRequest {
strategy?: string;
protocols?: string[];
autoSelectProtocols?: boolean;
omniAccount?: boolean;
chains?: number[];
autocompounding?: boolean;
agentName?: string;
crosschainStrategy?: boolean;
splitting?: boolean;
minSplits?: number;
asset?: "USDC" | "WETH";
}
Note on : Each asset has its own configuration. Use
to update WETH settings separately from USDC.
Returns:
typescript
interface UpdateUserProfileResponse {
success: boolean;
smartWallet?: string;
chains?: number[];
strategy?: string;
protocols?: string[];
autoSelectProtocols?: boolean;
omniAccount?: boolean;
autocompounding?: boolean;
agentName?: string;
crosschainStrategy?: boolean;
executorProxy?: boolean;
hasActiveSessionKey?: boolean;
splitting?: boolean;
minSplits?: number;
customization?: Record<string, any>;
asset?: "USDC" | "WETH";
}
Examples:
typescript
// Update strategy from conservative to aggressive
await sdk.updateUserProfile({
strategy: "aggressive",
});
// Configure specific protocols
const protocolsResponse = await sdk.getAvailableProtocols(8453);
const selectedProtocols = protocolsResponse.protocols
.filter(p => ["Aave", "Compound", "Moonwell"].includes(p.name))
.map(p => p.id);
await sdk.updateUserProfile({
protocols: selectedProtocols,
});
// Enable position splitting (distribute across multiple protocols)
await sdk.updateUserProfile({
splitting: true,
minSplits: 3, // Split across at least 3 protocols
});
// Verify changes
const userDetails = await sdk.getUserDetails();
console.log("Strategy:", userDetails.strategy);
console.log("Splitting:", userDetails.splitting);
Cross-chain strategies: Only enable cross-chain when the user
explicitly requests it. For cross-chain to work,
both and
must be set to
. Never enable cross-chain settings by default.
typescript
// Enable cross-chain ONLY when explicitly requested by the user
await sdk.updateUserProfile({
crosschainStrategy: true,
omniAccount: true,
});
// Now funds can be rebalanced across configured chains
const user = await sdk.getUserDetails();
console.log("Operating on chains:", user.chains);
Notes:
- Strategy: Can be changed anytime. Subsequent rebalancing uses the new active strategy.
- Protocols: Use
getAvailableProtocols(chainId)
to get valid protocol IDs before updating.
- Smart Splitting (minSplits = 1): Default mode. To maximize returns, funds are automatically distributed across multiple DeFi pools — but only when beneficial. The system intelligently decides when splitting is advantageous based on current market conditions and opportunities. Funds may not split if no opportunity exists.
- Forced Splitting (minSplits > 1): When is set to 2, 3, or 4, funds are always distributed across at least that many pools for improved risk diversification (up to 4 DeFi pools). This guarantees your funds will be split regardless of market conditions.
- Cross-chain: Requires both AND . Only activate when the user explicitly asks for cross-chain yield optimization. Chains are configured during initial setup and cannot be changed via this method.
- Auto-compounding: Enabled by default. When , yields are reinvested automatically.
- Smart wallet address, chains, and cannot be updated via this method.
getAPYPerStrategy
Get global APY by strategy type, time period, chain, and token. Use this to compare expected returns between strategies before deploying.
Parameters:
| Parameter | Type | Required | Description |
|---|
| crossChain | boolean | No | If , returns APY for cross-chain strategies; if , single-chain (default: ) |
| days | number | No | Period over which APY is calculated: , , , (default: ) |
| strategy | string | No | Strategy risk profile: or (default: ) |
| chainId | number | No | Filter by specific chain ID (e.g., for Base) |
| tokenSymbol | string | No | Filter by token: or |
Example:
typescript
// Get 7-day APY for USDC conservative strategy
const usdcApy = await sdk.getAPYPerStrategy(false, 7, "conservative", undefined, "USDC");
console.log("USDC APY:", usdcApy.data);
// Get 30-day APY for WETH aggressive strategy on Base
const wethApy = await sdk.getAPYPerStrategy(false, 30, "aggressive", 8453, "WETH");
console.log("WETH APY on Base:", wethApy.data);
// Compare strategies
const conservative = await sdk.getAPYPerStrategy(false, 30, "conservative");
const aggressive = await sdk.getAPYPerStrategy(false, 30, "aggressive");
console.log(`Conservative 30d APY: ${conservative.data[0]?.average_apy}%`);
console.log(`Aggressive 30d APY: ${aggressive.data[0]?.average_apy}%`);
Returns:
typescript
interface APYPerStrategyResponse {
success: boolean;
count: number;
data: APYPerStrategy[];
}
interface APYPerStrategy {
id: string;
timestamp: string;
amount: number;
fee_threshold: number;
days: number;
chain_id: number;
is_cross_chain: boolean;
average_apy: number;
average_apy_with_rzfi: number;
total_rebalances: number;
created_at: string;
strategy: string;
token_symbol?: string;
average_apy_with_fee: number;
average_apy_with_rzfi_with_fee: number;
average_apy_without_fee?: number;
average_apy_with_rzfi_without_fee?: number;
events_average_apy?: Record<string, number>;
}
getOnchainEarnings
Get onchain earnings for a wallet with per-token breakdown (USDC, WETH).
typescript
const earnings = await sdk.getOnchainEarnings(smartWalletAddress);
console.log("Total earnings by token:", earnings.data.totalEarningsByToken);
// { "USDC": 150.50, "WETH": 0.05 }
console.log("USDC earnings:", earnings.data.totalEarningsByToken["USDC"]);
console.log("WETH earnings:", earnings.data.totalEarningsByToken["WETH"]);
Returns:
typescript
// TokenEarnings is a record of token symbols to amounts
type TokenEarnings = Record<string, number>; // e.g., { "USDC": 100.5, "WETH": 0.025 }
interface OnchainEarningsResponse {
success: boolean;
data: {
walletAddress: string;
totalEarningsByToken: TokenEarnings;
lifetimeEarningsByToken: TokenEarnings;
currentEarningsByChain: Record<string, TokenEarnings>;
unrealizedEarningsByChain: Record<string, TokenEarnings>;
lastCheckTimestamp?: string;
};
}
registerAgentOnIdentityRegistry (ERC-8004)
Register your Zyfai deployed agent on the Identity Registry following the ERC-8004 standard. This is used for OpenClaw agent registration. The method fetches a tokenUri containing the agent's metadata stored on IPFS, then registers it on-chain.
Supported Chains:
| Chain | Chain ID |
|---|
| Base | 8453 |
| Arbitrum | 42161 |
Parameters:
| Parameter | Type | Required | Description |
|---|
| smartWallet | string | Yes | The Zyfai deployed smart wallet address to register as an agent |
| chainId | SupportedChainId | Yes | Chain ID (only 8453 or 42161) |
Example:
typescript
const sdk = new ZyfaiSDK({ apiKey: "your-api-key" });
await sdk.connectAccount(walletClient, 8453);
// Get smart wallet address
const walletInfo = await sdk.getSmartWalletAddress(userAddress, 8453);
const smartWallet = walletInfo.address;
// Register agent on Identity Registry
const result = await sdk.registerAgentOnIdentityRegistry(smartWallet, 8453);
console.log("Registration successful:");
console.log(" Tx Hash:", result.txHash);
console.log(" Chain ID:", result.chainId);
console.log(" Smart Wallet:", result.smartWallet);
Returns:
typescript
interface RegisterAgentResponse {
success: boolean;
txHash: string;
chainId: number;
smartWallet: string;
}
How It Works:
- Fetches a from the Zyfai API (agent metadata stored on IPFS)
- Encodes the call for the Identity Registry contract
- Sends the transaction from the connected wallet
- Waits for on-chain confirmation
Security
- Non-custodial — User's EOA owns the subaccount
- Session keys are limited — Can rebalance, cannot withdraw elsewhere
- Deterministic — Same EOA = same subaccount on every chain
- Flexible key management — Use wallet providers, WalletClients, or KMS integrations
Key Management Best Practices
For production autonomous agents, we recommend:
- Use a WalletClient with a secure key source (not raw private keys)
- Integrate with KMS (AWS KMS, GCP Cloud KMS) for hardware-backed key storage
- Consider Wallet-as-a-Service providers like Turnkey, Privy, or Dynamic
- Never hardcode private keys in source code
- Rotate keys periodically and implement key revocation procedures
Troubleshooting
Subaccount address mismatch across chains
The subaccount address should be identical across all chains for the same EOA. If you see different addresses:
typescript
// Check addresses on both chains
const baseWallet = await sdk.getSmartWalletAddress(userAddress, 8453);
const arbWallet = await sdk.getSmartWalletAddress(userAddress, 42161);
if (baseWallet.address !== arbWallet.address) {
console.error("Address mismatch! Contact support.");
}
If addresses don't match:
- Try redeploying on the affected chain
- If the issue persists, contact support on Telegram: @paul_zyfai
"Deposit address not found" error
This means the wallet isn't registered in the backend. Solution:
- Call first — even if the Safe is already deployed on-chain, this registers it with the backend
- Then retry
"Invalid signature" error
This typically means:
- The wallet/signer doesn't match the EOA you're passing
- The Safe address on-chain doesn't match what the SDK expects
Verify you're using the correct wallet for the EOA.
Resources
- Get API Key: sdk.zyf.ai or programmatically via
POST /api/sdk-api-keys/create
- Docs: docs.zyf.ai
- Demo: github.com/ondefy/zyfai-sdk-demo
- MCP Server: mcp.zyf.ai — Use with Claude or other MCP-compatible agents
- Agent Registration: zyf.ai/.well-known/agent-registration.json
License
MIT License
Copyright (c) 2026 Zyfai
Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:
The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.
THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.