Yield.xyz and Privy today launched an integrated stack that lets AI agents manage DeFi yield across 2,900+ opportunities and 80+ blockchains, with two layers of user control: composable policies that bound every transaction, and an optional human approval step on every signing decision.
The integration arrives as AI agents with wallet access move from demo to production. What has been missing is a control developers and institutions actually trust, where the user decides what the agent is allowed to do, and where a human can stay in the loop on every transaction if the situation calls for it.
Yield.xyz is the leading onchain yield infrastructure layer trusted by leading wallets and financial platforms including Ledger, Anchorage Digital, Zerion, Deblock, and Utila. Privy provides secure, scalable onboarding and wallet infrastructure for leading applications built on crypto rails. 2000+ developers and businesses, including Klarna and Hyperliquid, use Privy to power over 120 million accounts and process billions of dollars in volume every month.
The Infrastructure Behind the Integration
The integration connects two systems with clearly separated responsibilities.
Yield.xyz AgentKit is a remote Model Context Protocol (MCP) server that gives AI agents structured access to yield opportunities across staking, restaking, lending, DeFi vaults, and beyond. At launch, AgentKit covers 2,900+ yields across 80+ blockchain networks including Ethereum, Base, Arbitrum, Polygon, Optimism, and Solana. Supported protocols include Aave, Lido, EtherFi, Morpho, Rocket Pool, Uniswap, Yearn, Kamino, and others. AgentKit handles discovery and transaction construction.
"AI agents need more than access to DeFi, they need constraints developers and institutions can trust. Privy provides that control layer, enforcing policies and enabling human approval where it matters, so yield strategies can run safely in production," said Max Segall, COO, Privy.
Privy handles everything that touches keys. Wallet creation, policy enforcement, signing, and broadcast all happen inside Privy's Trusted Execution Environment. Policies are evaluated server-side before the private key is assembled, meaning no layer outside the TEE, including the agent itself or any application code, can bypass policy enforcement. Available policy controls include spend caps per transaction and per rolling time window, chain restrictions, contract allowlists, recipient controls, method-level RPC restrictions, and calldata parameters restrictions. Policies are composable and can be combined to define a precise operating envelope for any agent deployment.
Autonomous and Semi-Autonomous Operating Modes
The integration supports two operating modes built on the same underlying stack.
In autonomous mode, you define a policy before any wallet is created. Policies governing which networks a wallet can transact on, which contracts it can interact with, and maximum per-transaction values are defined at wallet creation and can be updated by authorized owners. The agent then operates freely within those boundaries. It queries opportunities via AgentKit, constructs the transaction, and Privy signs and broadcasts it without requiring per-transaction human approval.
Semi-autonomous mode preserves the same agent intelligence and policy enforcement while adding a mandatory human authorization step at every transaction. When prompted, the agent reviews positions, checks current rates, and recommends whether to compound rewards, rotate capital, or rebalance, but it never executes unilaterally. Every transaction is submitted as an intent via Privy's Intents API and held pending on the Privy dashboard until an approver signs off. Unsigned intents expire after 72 hours. The transaction only executes after a human manually approves it.
The mechanism behind this is Privy's key quorum. A key quorum is a group of designated signers that becomes the cryptographic owner of the wallet at creation time. When a wallet's owner is a key quorum, no transaction can be signed without quorum authorization.
By the time a pending transaction appears in the dashboard, the agent has already completed the analytical work: querying yield rates across protocols, calculating whether a rotation justifies gas costs, and constructing the exact unsigned transaction. The approver's role is review, not implementation. Semi-autonomous mode requires a Privy Enterprise plan. Autonomous mode is available on all plans.
"AI agents are capable of doing the sustained analytical work that yield management actually requires. The gap until now has been infrastructure that can match that capability with appropriate security guarantees. Privy's policy engine gives us an enforcement layer that operates below anything the agent can reach, and the semi-autonomous mode gives institutional deployers a path to agentic yield management that keeps the human in the loop on every execution decision. This is the infrastructure the space has been waiting for," said Apurv Mishra, co-founder and Chief Product Officer, Yield.xyz.
What the Integration Enables
Most agent frameworks are built for one-shot transactions. Yield management is structurally different. Depositing into a lending protocol or staking tokens marks the start of an ongoing position. Rates move, rewards accumulate, and concentrations develop. Managing yield well requires sustained attention across protocols, chains, and positions simultaneously, at a cadence no human can realistically keep up with.
The integration enables a range of yield management workflows that reflect this reality:
- Cross-chain rate optimization: the agent tracks every protocol deployment on every supported chain, calculates net rotation value after gas costs, and either executes within policy or routes the transaction for approval when a rate gap justifies action.
- Portfolio rebalancing: the agent tracks concentration across positions and proposes rebalancing when allocations drift beyond defined thresholds, surfacing the specific trade-off between yield delta and transaction cost before execution.
- Reward management: the agent monitors unclaimed rewards across staking and DeFi positions and constructs claim or compound transactions on a defined schedule or when reward thresholds are met.
- Protocol health monitoring: a falling rate is sometimes a market signal, and sometimes a pool approaching max utilization where instantaneous withdrawals start getting more difficult. The agent monitors TVL, utilization, and liquidity depth across every protocol in the portfolio, and prepares exit transactions when conditions approach defined risk thresholds.
In each case, the agent handles the monitoring, the calculation, and the transaction construction. Authorization, whether automatic within policy or with final sign-off from the approver, is handled by Privy.
Availability and Getting Started
The Yield.xyz AgentKit and Privy integration is available today. With a Privy account and API credentials already configured in your agent, installation takes a single command:
npx skills add <https://github.com/stakekit/agentkit>
The skill supports Claude Code, Cursor, and Codex CLI. Autonomous mode is available on all Privy plans. Semi-autonomous mode requires a Privy Enterprise plan and completion of key quorum setup on the Privy dashboard.
Full documentation, setup guides for both operating modes, and the GitHub repository are available at the links below:
About Yield.xyz
Yield.xyz is the unified onchain yield infrastructure layer for Web3, enabling developers to integrate once and access over 2,900+ yield opportunities across more than 80 networks spanning staking, lending, and liquidity provision strategies. Trusted by leading wallets and financial platforms including Ledger, Deblock, Utila, Tuyo, Crossmint, Turnkey, Tangem, and Zerion, Yield.xyz powers production-grade yield products with built-in support for auto-compounding, reward conversion, and secure transaction verification. Yield.xyz abstracts complex strategy engineering into simple API calls and enables teams to launch scalable yield products with minimal overhead while unlocking new revenue streams through fee-customizable vaults. To learn more, visit yield.xyz.
About Privy
Privy provides secure, scalable onboarding and wallet infrastructure for leading applications built on crypto rails. 2000+ developers and businesses, including Klarna and Hyperliquid, use Privy to power over 120 million accounts and process billions of dollars in volume every month. Privy was acquired by Stripe in 2025 and continues to operate independently, helping developers build the next generation of onchain products.
Media Contact
Apurv Mishra
apurv@yield.xyz
