Zyfai reports $10M+ in TVL as tokenized stock deposits exceed $300,000

September 25, 2026 – Zyfai, a self-custodial DeFi yield platform, has reported more than $10 million in AUAM (assets under agent management), including over $300,000 in tokenized stock positions. The platform now supports Coinbase Tokenized Stocks on Base, adding NVIDIA, Apple, Meta and Google to its existing BTC, ETH, USDC and EURC support.

The expansion brings crypto, stablecoins and tokenized equities into one yield-management account. Users can swap an existing USDC yield position deployed in DeFi into a tokenized NVIDIA yield position through a single yield-swap flow. Zyfai then evaluates approved pools for that asset and manages the allocation within the user’s chosen strategy.

Extending yield management to equities

On September 17, 2026, the US Securities and Exchange Commission announced its Innovation Exemption, granting five years of conditional relief to qualifying tokenized securities venues and certain liquidity providers. The measure creates a regulated route for eligible US equities to operate through blockchain-based market infrastructure. Coinbase Tokenized Stocks on Base already support round-the-clock access for eligible users outside the US and can connect to DeFi lending markets and vaults.

“For me, tokenized stocks make equity ownership more useful. I retain ownership of the position in my own wallet, with 24/7 access, and can earn yield on the stocks I hold. DeFi makes that combination possible.”
Gauthier, founder of Zyfai

Zyfai expects wider availability of onchain equities to increase demand for automated management of those positions. The company is developing native support for automated carry strategies. These would use tokenized stocks as collateral to borrow USDC and allocate that USDC to lending markets or vaults, targeting the spread between the yield on the deployed USDC and borrowing costs, net of fees. The stock exposure would remain in place while the yield account managed the health factor and LTV autonomously.

What does Zyfai solve?

DeFi positions require continuous management. APY can fall after a deposit, available liquidity can shrink, and a curator can change the collateral backing a lending market, which can completely change the risk profile a user accepts when depositing. Someone managing positions manually has to track those changes, compare alternatives and decide when to rebalance funds into another pool. They also need to monitor hacks, depegs and other risks that can emerge at any time, including while they sleep. For an individual, maintaining that vigilance around the clock is practically impossible.

Zyfai organizes its product around automation, personalization and ownership.

• Automation covers the recurring work of monitoring pools and rebalancing positions. When yield falls or another approved pool offers a better risk-adjusted opportunity, the rule-based yield agent checks liquidity, concentration, transaction costs and slippage before reallocating. In its August 2026 performance report, Zyfai recorded an average Agent APY of 6.26%, excluding incentives, compared with 4.49% for the static-pool benchmark used in the report.
• Personalization lets users select a strategy that matches their risk preferences and customize which approved pools their yield account can use. It supports multiple assets and protocols, so users can manage their capital in one place without opening dozens of tabs across different protocols.
• Ownership stays with the user through an individual Safe7579 Smart Account. Scoped session keys authorize the agent to interact with approved contracts and functions only. Zyfai’s Security Proxy Gateway checks transaction parameters before execution, restricting the agent to its delegated permissions.

Risk monitoring beyond APY

Zyfai monitors pool liquidity, utilization, TVL and APY stability, position concentration, collateral health and changes, stablecoin depegs, and liquidity traps that could obstruct withdrawals. Its risk system also tracks unusual contract activity, governance changes and sentiment on socials, including incident reports from security researchers and DeFi teams.

The monitoring runs 24/7, with alerts reaching automated agents and Zyfai’s quant team. When a pool breaches risk thresholds, agents move positions to another approved pool or leave assets unallocated in the user’s Smart Account if no suitable alternative is found.

Zyfai reports that this combination of automated monitoring and human risk oversight helped users avoid losses during the Stream Finance collapse in 2025, Resolv’s USR depeg and the Aave/KelpDAO incident in 2026. During the latter event, social alerts and deteriorating liquidity prompted rebalancing before affected pools became difficult to exit.

Few people can monitor onchain positions around the clock. Zyfai is building yield accounts that handle that ongoing work across crypto, stablecoins and tokenized equities, while users retain ownership of their capital.

Tokenized equities can introduce more people to onchain finance through stocks they already know. Zyfai expects demand to grow for consumer apps that make personalized yield accessible in a few clicks. Protocol screening and continuous risk monitoring can help reduce the risks users face when entering unfamiliar DeFi markets