DeFiPunk'd

ZyFAI

AI Agents

TVL $6.5M
Type AI Agents
Chains Base, Arbitrum, Ethereum, Sonic, Plasma
View on DeFiLlama ↗
Control criteria
Upgradeability Unknown Bug bounty Governance forum Docs docs.zyf.ai
About

ZyFAI is a DeFi yield optimization protocol offering two architectures: Smart Accounts (individual Safe7579 wallets owned by users with session-key-scoped automation) and a shared Vault on Base (USDC deposit, share-based redemption). Users deposit stablecoins, and the protocol rebalances across curated low-risk lending and liquidity pools to maximize capital efficiency. Smart Account users retain direct Safe ownership and can bypass the SDK via Safe.global UI.

Risk analysis

One card per dimension, sorted by severity. Only Verifiability and Autonomy carry automated signals in Phase 0. See methodology for scope.

Audit a dimension yourself · DEFI@home Contribute an LLM-run assessment — any model, any dimension. Three agreeing runs merge automatically into the public record.

DEFI@home is a distributed audit network modeled on SETI@home: instead of CPU cycles, it crowdsources LLM reasoning. Paste a slice prompt into Claude, ChatGPT, Gemini, or any browsing-capable model, and submit the JSON output as a pull request. The quorum bot merges it once ≥3 independent runs (from different models) reach the same grade — no single model, and no single contributor, can move the needle alone. How it works →

  • Address discovery 1 address on file · 0 runs Submit run ↗
  • Verifiability Unverified Submit run ↗
  • Control 1/3 submitted Submit run ↗
  • Ability to exit Submit run ↗
  • Autonomy Unverified Submit run ↗
  • Open Access 1/3 submitted Submit run ↗
  • Audit all 5 dimensions · one prompt Submit run ↗
  1. Verifiability tentative
    Open source + 11 audits

    Protocol publishes a GitHub repository and has at least one audit on record. This is a coarse Phase-0 signal only: auditor reputation, scope, and post-audit review coverage are not yet weighted.

    Run your own prompt Submit run ↗
  2. Control 1/3 model submitted
    Control path cannot be determined from verified deployed contracts
    Tentative grades
    • gpt-5.5-thinking unknown

    No quorum yet — verdict and steelman hidden until ≥3 models agree.

    Evidence (7)
    C1
    I found a Base ZFI token contract at 0xd080ed3c74a20250a2c9821885203034acd2d5ae whose verified source initializes Ownable with the constructor delegate 0x952835d17AC55825F198a68DAb2823cD60C8e6bd, but I did not verify the current owner/admin through a live Read Contract result and did not find deployed addresses for the newer executor module or registry contracts.
    C2
    The public zyfai-executor-module repository describes GuardedExecModuleUpgradeable as UUPS upgradeable and TargetRegistry as owner-controlled, but I could not tie those source contracts to a deployed proxy/admin address on an accepted block explorer.
    C3
    No verified on-chain execution path from proposal or multisig action to implementation-slot write was established during this run.
    C4
    Zyfai documentation states that registry ownership is controlled by a multisig, giving 3/5 as the example for Zyfai's own registry, but I did not find a block-explorer address, threshold read, or signer list sufficient to enumerate the multisig as required.
    C5
    I did not verify an on-chain Governor, GovernorBravo, OZ Governor, Aragon Voting contract, proposal threshold, voting period, quorum, or timelock delay for ZyFAI during this run.
    C6
    The executor-module repository describes emergency pause functionality for the module and registry, but I could not identify the deployed pauser/guardian actor, its address, or any time bound from on-chain reads.
    C7
    The source repository describes owner powers to upgrade the module, update the registry, modify whitelists, authorize ERC20 recipients, and pause, but because no deployed module/registry addresses and live owners were verified, I could not classify the highest reachable deployed control tier.
    Why is this slice uncertain?
    • only 1 of 3 model submissions on record — quorum requires ≥3 agreeing models

    A fresh independent run can establish (or overturn) a verdict.

    Run your own prompt Submit run ↗
    Sources gpt-5.5-thinking no url View raw submissions ↗
  3. Open Access 1/3 model submitted
    No contract-level whitelists or KYC gates on user entry/exit; ToS contains only passive jurisdictional boilerplate; SDK and Safe Global provide independent access paths
    Tentative grades
    • claude-opus-4-6 green

    No quorum yet — verdict and steelman hidden until ≥3 models agree.

    Evidence (8)
    A1
    The Zyfai USDC Liquidity Vault (SmartAccountWrapper) on Base at 0xD580071c47d4a667858B5FafAb85BC9C609beC5D is an ERC-7540 async vault using OpenZeppelin Ownable2StepUpgradeable and PausableUpgradeable. The verified source code shows deposit, requestRedeem, and claim functions with no onlyWhitelisted, onlyRole, allowlist, isAccredited, or isKYCed modifiers on user-facing entry points. On-chain transaction history confirms multiple unrelated addresses (ENS names, raw addresses) successfully depositing without restriction. The SDK's addWalletToSdk method gates API-key-level SDK access (CORS whitelisting for integrator domains), not contract-level user admission.
    A2
    For the Smart Wallet path, Safe deployment and withdrawal are processed through ZyFAI's backend API asynchronously, but deposits are standard ERC-20 transfers to the user's own Safe. For the Vault path, deposit() is a direct on-chain call requiring no operator approval. requestRedeem() is also directly callable on-chain. The claim() function settles finalized redemptions. No off-chain operator approval is required to admit a deposit or initiate a redemption request at the contract level. Withdrawal settlement in the async vault depends on the operator fulfilling the redeem request, which is a liveness dependency (deferred to dependencies slice), not an admission gate.
    A3-passive
    The ToS at docs.zyf.ai/support/terms-and-conditions states: 'Have the legal authority and capacity to accept these Terms and are of legal age in your jurisdiction' and 'Will not use the ZyFAI Agent and ZyFAI UI if prohibited by the laws of your country.' These are standard passive self-certification clauses with no active enforcement mechanism observed.
    A3-active
    No evidence of active geo-blocking, IP-based restrictions, wallet-address screening, KYC wall, or jurisdiction-blocking banner was found. The zyf.ai homepage is an SPA that loads without any visible restriction banner. No third-party screening provider integration (Chainalysis, TRM, Elliptic) was identified in the frontend or SDK source. No public incident reports of enforcement were found.
    A3b
    A3b-ii (independent paths): The Zyfai SDK (@zyfai/sdk on npm, MIT license, github.com/ondefy/zyfai-sdk) provides programmatic access independent of the official UI. ZyFAI documents using the protocol through Safe Global (app.safe.global) as an alternative interface for direct smart account interaction. The vault contract on Base is directly callable by any address without needing the frontend. The SDK documentation and Safe Global tutorial are published at docs.zyf.ai.
    A4
    No on-chain sanctions blocklist or OFAC address-checking mechanism was found in the verified vault contract source code or the SDK. No Chainalysis, TRM, or similar screening integration was identified.
    A5
    Both read and write access to the vault contract are permissionless. Any address can call deposit(), requestRedeem(), and claim() without restriction. Read functions (balanceOf, totalAssets, etc.) are standard public view functions.
    A6
    ToS located at docs.zyf.ai/support/terms-and-conditions. Verbatim eligibility clause: 'Have the legal authority and capacity to accept these Terms and are of legal age in your jurisdiction. Will not use the ZyFAI Agent and ZyFAI UI if prohibited by the laws of your country.' Governing law: 'These Terms are governed by Swiss law, with exclusive jurisdiction in Lausanne, Switzerland.' Operated by Ondefy S.A., Lausanne, Switzerland. No specific sanctions-country list or restricted-territory enumeration found in the ToS.
    Why is this slice uncertain?
    • only 1 of 3 model submissions on record — quorum requires ≥3 agreeing models

    A fresh independent run can establish (or overturn) a verdict.

    Run your own prompt Submit run ↗
    Sources claude-opus-4-6 url ↗ View raw submissions ↗
2 dimensions not yet assessed (Ability to exit, Autonomy)
  1. Ability to exit unknown Unverified
    Exit path is SDK-documented but not fully verified on-chain

    The assessment is blocked because the SDK and docs show a Safe-based withdrawal flow, session-key-scoped execution, and backend-mediated withdrawFunds calls, but the deployed exit functions, access modifiers, pause guards, pause-role holders, queue limits, finalized-claim behavior, and a frontend/backend-independent forced-exit path were not fully verified on-chain.

    No model has graded this dimension yet. Run the slice prompt through any LLM and submit the JSON — once ≥3 independent runs agree, the quorum bot merges the verdict here.

    Submit run ↗
  2. Autonomy unknown Unverified
    No Phase-0 autonomy signal

    Neither the category heuristic nor the forkedFrom signal fires for this protocol. A real autonomy graph (oracles, bridges, fallbacks, governance-mutable dependencies) arrives with Phase-2 onchain discovery.

    No model has graded this dimension yet. Run the slice prompt through any LLM and submit the JSON — once ≥3 independent runs agree, the quorum bot merges the verdict here.

    Submit run ↗

Stage

Preview of the Phase-3 maturity framework. DeFiPunk'd will adopt DeFiScan v2's stages verbatim; the section is rendered below in its intended shape so the structure is visible today.

ZyFAI has not yet been assessed under the DeFiScan v2 stage framework.
The walkaway test is the central criterion. Once stages land, protocols reach Stage 1 only if users can exit in the presence of malicious operators even when the emergency council disappears.
Scope of assessment
Stages are assessed per-protocol against DeFiScan v2's criteria: governance structure, upgradeability path, timelock durations, emergency-council scope, and the walkaway test. The analysis depends on onchain discovery (roles, owners, timelocks) and deeper review of deployed contracts — neither of which DeFiPunk'd automates at Phase 0.
Stage 0 requirements pending
Governance is largely off-chain, contracts are upgradeable with short or no timelock, and the protocol depends on a multisig or team with full discretion. At Phase 0 DeFiPunk'd does not automatically evaluate these; the assessment lands with crawler-based onchain discovery.
Stage 1 requirements pending
Users can exit or opt out on their own terms even if the team disappears. Upgrades run through a meaningful timelock with an emergency security council clearly scoped. The walkaway test is the headline criterion.
Stage 2 requirements pending
Protocol is fully permissionless and immutable, or upgrades require a supermajority of token holders with a long timelock and no emergency override. This is the terminal stage of the DeFiScan v2 framework.
Learn more about DeFiScan v2 stages →
Stages are an opinionated assessment of maturity, not a rating of security or safety. A protocol can sit at Stage 2 and still carry substantial technical or economic risk; the framework exists to incentivize decentralization, not to rank protocols.

Contract surface

Every contract in scope for this protocol — pooled from DeFiLlama's TVL adapter (mechanical) and DEFI@home discovery submissions (LLM-curated). Verified-source flags come from Etherscan + Sourcify; owner / multisig metadata is read on-chain when available. Reviewer audit context, not a slice score. A lending protocol's adapter set will list third-party collateral tokens alongside its own contracts; attribution is the grader's job.

  • 7addresses
  • 0verified source
  • 0proxies

TVL adapter pinned at 683d369. Sourcecode fetched 2026-05-06. Control fetched 2026-04-26.

allPoolTokensallPoolTokens0x9c4e…58bfTVL
allPoolTokensallPoolTokens0xa175…ae94TVL
allPoolTokensallPoolTokens0xb125…eb2fTVL
allPoolTokensallPoolTokens0xc3d6…cdc3TVL
penpieTvlPENPIE_MARKET_ADDRESS0x3f5e…2418TVL
penpieTvlpenpieTvl0x7a89…9aabTVL
sonicTokenssonicTokens0x578e…11c6TVL

Protocol Info

Links

[defillama] Source: DeFiLlama [:] Source: DEFI@home quorum
Website
https://zyf.ai
Twitter
@ZyfAI_

Security

[:] Source: DEFI@home quorum
Audits
3 audits
Bug bounty
unknown
Security contact
unknown

Technical

[:] Source: DEFI@home quorum
Voting token
ZFI Base: 0xd080ed3c74a20250a2c9821885203034acd2d5ae
Upgradeability
Unknown

Provenance

[defillama] Source: DeFiLlama
Review status
listed
Updated
2026-06-01 11:27 UTC