DeFi Investor

Scanning DeFi Yields Across 4 Protocols — The Agent Found 3x What I Was Earning

+$22,000/year on same stablecoinCrypto & DeFi5 min read

Key Takeaway

My AI agent scans stablecoin yields across Aave, Compound, Curve, Yearn, and Morpho weekly — it found 8.2% APY on USDC versus the 2.7% I was earning, same asset, 3x the return, risk-adjusted.

The Problem

I had $400K in stablecoins sitting on Aave. Earning 2.7% APY on USDC. I thought that was fine.

It wasn't fine. It was lazy.

DeFi yields shift constantly. New protocols launch. Existing protocols run incentive campaigns. Utilization rates change. A pool that was 3% last week might be 9% this week — and you'd never know unless you manually checked every protocol, every pool, every day.

I don't have time for that. Nobody does. And the cost of not checking isn't dramatic — it's slow. You just quietly earn 2.7% while the same asset earns 8% somewhere else. Over a year on $400K, that's the difference between $10,800 and $32,800. Twenty-two thousand dollars left on the table because I didn't look.

The real problem: DeFi yield information is fragmented across dozens of protocol dashboards, and comparing risk-adjusted returns requires context that no single dashboard provides.

The Solution

I built a DeFi Yield Scanner agent on Mr.Chief that runs weekly. It pulls yield data from DefiLlama's API (which aggregates all major protocols), filters for stablecoin pools I care about, and ranks them using a composite risk score — not just raw APY.

Raw APY is a trap. A 40% yield on a protocol with $2M TVL and no audit is not an opportunity. It's a rug waiting to happen. My agent weighs APY against TVL, protocol age, audit history, and smart contract risk.

The weekly report goes to Hari, my investment advisor agent, who evaluates whether a rotation makes sense given gas costs, lock-up periods, and my existing positions.

The Process

yamlShow code

# DeFi Yield Scanner — Weekly
name: defi-yield-scanner
schedule: "0 9 * * 1"  # Monday 9am UTC
channel: telegram

task: |
  Scan stablecoin yields across major DeFi protocols.

  ASSETS: USDC, USDT, DAI, FRAX
  CHAINS: Ethereum, Arbitrum, Base, Optimism
  MIN TVL: $10M (filter out small/risky pools)

  For each opportunity:
  - Protocol name, chain, pool composition
  - Base APY + reward APY (separate them)
  - TVL, 7d TVL trend
  - Protocol age, audit status
  - Risk score (1-10)

  Rank by risk-adjusted yield: APY × (TVL_score × age_score × audit_score)

  Output: Top 10 opportunities + current positions comparison
  Flag: any current position where better risk-adjusted yield exists
  Send to Hari for rotation analysis.

The risk-adjusted scoring:

pythonShow code

def risk_adjusted_score(pool):
    """Composite score that penalizes high APY on shaky protocols."""

    # TVL score: log scale, maxes at $1B+
    tvl_score = min(math.log10(pool["tvl"]) / 9, 1.0)  # $1B = 1.0

    # Age score: protocols < 6 months get penalized
    age_days = (now - pool["launch_date"]).days
    age_score = min(age_days / 365, 1.0)  # 1 year+ = 1.0

    # Audit score
    audit_scores = {
        "multiple_audits": 1.0,
        "single_audit": 0.8,
        "in_progress": 0.4,
        "none": 0.1
    }
    audit_score = audit_scores[pool["audit_status"]]

    # Base APY only (ignore temporary reward emissions)
    base_apy = pool["base_apy"]

    # Composite: reward sustainable yield on safe protocols
    return base_apy * tvl_score * age_score * audit_score

The weekly report that changed everything:

View details

📊 DEFI YIELD REPORT — Week of Mar 9, 2026

YOUR CURRENT POSITIONS:
  USDC on Aave v3 (Ethereum) — 2.7% APY — TVL $4.2B — Score: 2.43

TOP OPPORTUNITIES:

1. 🟢 USDC on Morpho Blue (Ethereum)
   APY: 8.2% (base) | TVL: $890M | Age: 14mo | Audits: 3
   Risk Score: 7.14 ← 2.9x YOUR CURRENT YIELD

2. 🟢 USDC on Aave v3 (Arbitrum)
   APY: 5.1% (base) | TVL: $620M | Age: 18mo | Audits: 4
   Risk Score: 4.59

3. 🟡 USDC on Euler v2 (Ethereum)
   APY: 6.8% (base) | TVL: $340M | Age: 8mo | Audits: 2
   Risk Score: 3.94

4. 🟢 DAI on Spark (Ethereum)
   APY: 5.5% (base) | TVL: $1.8B | Age: 20mo | Audits: 3
   Risk Score: 5.23

⚠️ ROTATION ALERT:
   Moving USDC from Aave v3 → Morpho Blue would increase
   yield from 2.7% → 8.2% (+5.5% delta)
   On $400K: +$22,000/year additional yield
   Gas cost for migration: ~$45
   Payback period: 1.8 hours

The Results

Metric	Before	After
Stablecoin APY	2.7%	8.2%
Annual yield on $400K	$10,800	$32,800
Additional annual income	—	+$22,000
Time spent checking yields	0 (I didn't bother)	2 min/week reading report
Protocols monitored	1	12+
Pools tracked	1	80+
Rotation recommendations (6 months)	0	4
Average yield improvement per rotation	—	+3.8% APY

Try It Yourself

Set up the DefiLlama API integration (free, no key required)
Define your risk parameters: minimum TVL, minimum protocol age, audit requirements
List your current positions so the agent can flag improvements
Start with the weekly cadence — DeFi yields don't change so fast that daily is necessary
Always separate base APY from reward APY — rewards end, base yield doesn't

The biggest DeFi alpha isn't finding the next 1000x farm. It's earning 3x more on the same boring stablecoin you already hold.

Start free on Mr.Chief →

I was leaving $22K/year on the table. The agent found it in its first scan.

DeFiyield-optimizationstablecoinsAaveMorpho

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DeFi Investor

Scanning DeFi Yields Across 4 Protocols — The Agent Found 3x What I Was Earning

+$22,000/year on same stablecoinCrypto & DeFi5 min read

Key Takeaway

My AI agent scans stablecoin yields across Aave, Compound, Curve, Yearn, and Morpho weekly — it found 8.2% APY on USDC versus the 2.7% I was earning, same asset, 3x the return, risk-adjusted.

The Problem

I had $400K in stablecoins sitting on Aave. Earning 2.7% APY on USDC. I thought that was fine.

It wasn't fine. It was lazy.

The real problem: DeFi yield information is fragmented across dozens of protocol dashboards, and comparing risk-adjusted returns requires context that no single dashboard provides.

The Solution

The weekly report goes to Hari, my investment advisor agent, who evaluates whether a rotation makes sense given gas costs, lock-up periods, and my existing positions.

The Process

yamlShow code

# DeFi Yield Scanner — Weekly
name: defi-yield-scanner
schedule: "0 9 * * 1"  # Monday 9am UTC
channel: telegram

task: |
  Scan stablecoin yields across major DeFi protocols.

  ASSETS: USDC, USDT, DAI, FRAX
  CHAINS: Ethereum, Arbitrum, Base, Optimism
  MIN TVL: $10M (filter out small/risky pools)

  For each opportunity:
  - Protocol name, chain, pool composition
  - Base APY + reward APY (separate them)
  - TVL, 7d TVL trend
  - Protocol age, audit status
  - Risk score (1-10)

  Rank by risk-adjusted yield: APY × (TVL_score × age_score × audit_score)

  Output: Top 10 opportunities + current positions comparison
  Flag: any current position where better risk-adjusted yield exists
  Send to Hari for rotation analysis.

The risk-adjusted scoring:

pythonShow code

def risk_adjusted_score(pool):
    """Composite score that penalizes high APY on shaky protocols."""

    # TVL score: log scale, maxes at $1B+
    tvl_score = min(math.log10(pool["tvl"]) / 9, 1.0)  # $1B = 1.0

    # Age score: protocols < 6 months get penalized
    age_days = (now - pool["launch_date"]).days
    age_score = min(age_days / 365, 1.0)  # 1 year+ = 1.0

    # Audit score
    audit_scores = {
        "multiple_audits": 1.0,
        "single_audit": 0.8,
        "in_progress": 0.4,
        "none": 0.1
    }
    audit_score = audit_scores[pool["audit_status"]]

    # Base APY only (ignore temporary reward emissions)
    base_apy = pool["base_apy"]

    # Composite: reward sustainable yield on safe protocols
    return base_apy * tvl_score * age_score * audit_score

The weekly report that changed everything:

View details

📊 DEFI YIELD REPORT — Week of Mar 9, 2026

YOUR CURRENT POSITIONS:
  USDC on Aave v3 (Ethereum) — 2.7% APY — TVL $4.2B — Score: 2.43

TOP OPPORTUNITIES:

1. 🟢 USDC on Morpho Blue (Ethereum)
   APY: 8.2% (base) | TVL: $890M | Age: 14mo | Audits: 3
   Risk Score: 7.14 ← 2.9x YOUR CURRENT YIELD

2. 🟢 USDC on Aave v3 (Arbitrum)
   APY: 5.1% (base) | TVL: $620M | Age: 18mo | Audits: 4
   Risk Score: 4.59

3. 🟡 USDC on Euler v2 (Ethereum)
   APY: 6.8% (base) | TVL: $340M | Age: 8mo | Audits: 2
   Risk Score: 3.94

4. 🟢 DAI on Spark (Ethereum)
   APY: 5.5% (base) | TVL: $1.8B | Age: 20mo | Audits: 3
   Risk Score: 5.23

⚠️ ROTATION ALERT:
   Moving USDC from Aave v3 → Morpho Blue would increase
   yield from 2.7% → 8.2% (+5.5% delta)
   On $400K: +$22,000/year additional yield
   Gas cost for migration: ~$45
   Payback period: 1.8 hours

The Results

Metric	Before	After
Stablecoin APY	2.7%	8.2%
Annual yield on $400K	$10,800	$32,800
Additional annual income	—	+$22,000
Time spent checking yields	0 (I didn't bother)	2 min/week reading report
Protocols monitored	1	12+
Pools tracked	1	80+
Rotation recommendations (6 months)	0	4
Average yield improvement per rotation	—	+3.8% APY

Try It Yourself

Set up the DefiLlama API integration (free, no key required)
Define your risk parameters: minimum TVL, minimum protocol age, audit requirements
List your current positions so the agent can flag improvements
Start with the weekly cadence — DeFi yields don't change so fast that daily is necessary
Always separate base APY from reward APY — rewards end, base yield doesn't

The biggest DeFi alpha isn't finding the next 1000x farm. It's earning 3x more on the same boring stablecoin you already hold.

Start free on Mr.Chief →

I was leaving $22K/year on the table. The agent found it in its first scan.

DeFiyield-optimizationstablecoinsAaveMorpho

Related case studies

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Yield Alert: USDC Rate Dropped 60% — Agent Rotated to Morpho in 4 Minutes

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127% avg return vs 34% random entries (10-year backtest)4 min read

Want results like these?

Start free with your own AI team. No credit card required.

Start Free →Browse agents