Zyfai

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+

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.

POST https://sdk.zyf.ai/api/sdk-api-keys/create
Content-Type: application/json

{
  "clientName": "my-agent",
  "walletAddress": "0x...",
  "email": "agent@example.com"
}

Response:

{
  "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 apiKey securely — it cannot be retrieved later. The key is linked to the provided wallet address.

Supported Chains

Important: Always Use EOA Address

When calling SDK methods, always pass the EOA address (the user's wallet address) as userAddress — 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.

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.

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.

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

Step-by-Step

1. Connect to Zyfai

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

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:

• "conservative" — Stable yield, lower risk
• "aggressive" — Higher yield, higher risk

3. Enable Yield Optimization

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 createSessionKey. If it returns false, retry the process. A session key must be active for automated yield optimization to work.

4. Deposit Funds

// 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

// 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

await sdk.disconnectAccount();

Complete Example

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

Note: All methods that take userAddress 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:

Example:

// 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:

interface PositionsResponse {
  success: boolean;
  userAddress: string;
  positions: Position[];
}

getAvailableProtocols

Get available DeFi protocols and pools for a specific chain with APY data.

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:

interface ProtocolsResponse {
  success: boolean;
  chainId: SupportedChainId;
  protocols: Protocol[];
}

getUserDetails

Get current authenticated user details including smart wallet, chains, protocols, and settings. Requires SIWE authentication.

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).

updateUserProfile

Update the authenticated user's profile settings including strategy, protocols, splitting, and cross-chain options. Requires SIWE authentication.

sdk.updateUserProfile(params: UpdateUserProfileRequest): Promise<UpdateUserProfileResponse>

Parameters:

interface UpdateUserProfileRequest {
  /** Investment strategy: "conservative" or "aggressive" */
  strategy?: string;
  /** Array of protocol IDs to use */
  protocols?: string[];
  /** Enable auto-selection of protocols */
  autoSelectProtocols?: boolean;
  /** Enable omni-account for cross-chain operations */
  omniAccount?: boolean;
  /** Array of chain IDs to operate on */
  chains?: number[];
  /** Enable automatic compounding (default: true) */
  autocompounding?: boolean;
  /** Custom name for your agent */
  agentName?: string;
  /** Enable cross-chain strategy execution */
  crosschainStrategy?: boolean;
  /** Enable position splitting across multiple protocols */
  splitting?: boolean;
  /** Minimum number of splits (1-4) */
  minSplits?: number;
  /** Asset to update: "usdc" (default) or "eth" */
  asset?: "USDC" | "WETH";
}

Note on asset: Each asset has its own configuration. Use asset: "WETH" to update WETH settings separately from USDC.

Returns:

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:

// 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 crosschainStrategy and omniAccount must be set to true. Never enable cross-chain settings by default.

// 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 minSplits 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 crosschainStrategy: true AND omniAccount: true. 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 true, yields are reinvested automatically.
• Smart wallet address, chains, and executorProxy 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:

Example:

// 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:

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).

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:

// 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:

Parameters:

Example:

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:

interface RegisterAgentResponse {
  success: boolean;
  txHash: string;
  chainId: number;
  smartWallet: string;
}

How It Works:

1. Fetches a tokenUri from the Zyfai API (agent metadata stored on IPFS)
2. Encodes the register(tokenUri) call for the Identity Registry contract
3. Sends the transaction from the connected wallet
4. 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:

1. Use a WalletClient with a secure key source (not raw private keys)
2. Integrate with KMS (AWS KMS, GCP Cloud KMS) for hardware-backed key storage
3. Consider Wallet-as-a-Service providers like Turnkey, Privy, or Dynamic
4. Never hardcode private keys in source code
5. 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:

// 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:

1. Try redeploying on the affected chain
2. 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:

1. Call deploySafe() first — even if the Safe is already deployed on-chain, this registers it with the backend
2. Then retry createSessionKey()

"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) 2024 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.