2061yield-optimizer

Yield Optimizer v2

Autonomous USDC yield optimization across DeFi lending protocols and chains. Auto-routes deposits to the best protocol per chain — Aave V3, Morpho (ERC-4626), or Pendle (PT fixed-rate).

What This Does

Scans real-time yields from DeFi Llama + Morpho GraphQL + Pendle Hosted SDK
Compares protocols per chain and picks the winner
Routes deposits to the optimal protocol automatically
Withdraws from whichever protocol holds the position
Full web UI with wallet integration (MetaMask, Rabby, etc.)

Data sources: DeFi Llama Yields API, Morpho GraphQL API, Pendle Hosted SDK API (all free, no key).

Supported Protocols & Chains

Protocol	Type	Deposit Method	Chains
Aave V3	Lending pool	`pool.supply(asset, amount, onBehalfOf, 0)`	ETH, ARB, Base, OP, Polygon, Avax
Morpho	ERC-4626 vaults	`vault.deposit(assets, receiver)`	ETH, ARB, Base, OP
Pendle	PT fixed-rate	Hosted SDK → router swap	ETH, ARB, Base
Compound V3	Lending	`comet.supply(asset, amount)`	ETH, ARB, Base, OP, Polygon
Spark / Sky	Lending	`pool.supply(...)`	ETH
Fluid	Lending	`vault.deposit(...)`	ETH
Euler	Lending	`vault.deposit(...)`	ETH, ARB, Base

Stablecoins tracked: USDC, USDT, DAI, USDS, sDAI, sUSDe, GHO

Architecture

Backend (Node.js / Express)

server.js
├── /api/pools          — best protocol per chain (Aave vs Morpho vs Pendle)
├── /api/chains         — supported chain list
├── /api/tvl            — total TVL from DeFi Llama
├── /api/agent-activity — recent deposit/withdraw log
├── /api/vault/:addr    — user positions across all protocols
├── /api/deposit        — record deposit event
├── /api/withdraw       — record withdraw event
├── /api/usdc-balance/:addr — cross-chain USDC balance (RPC reads)
└── /api/pendle-swap    — get Pendle SDK calldata for PT swap

Frontend (Vanilla JS + ethers.js)

public/
├── index.html   — landing page + dashboard
├── styles.css   — dark theme, glass-morphic UI
├── app.js       — dashboard logic, deposit/withdraw modals
└── wallet.js    — multi-protocol deposit routing

Protocol Routing Logic

For each chain:
  1. Fetch Aave V3 APY from DeFi Llama
  2. Fetch Morpho vault APY from GraphQL (if vault exists on chain)
  3. Fetch Pendle PT implied APY from Hosted SDK (if market exists on chain)
  4. Return winner = max(aave_apy, morpho_apy, pendle_apy)

On deposit:
  IF winner == "aave"   → approve USDC → pool.supply()
  IF winner == "morpho"  → approve USDC → vault.deposit()
  IF winner == "pendle"  → approve USDC → router.swapExactTokenForPt()

On withdraw:
  Read user balances across all protocols
  IF has aTokens      → pool.withdraw()
  IF has Morpho shares → vault.withdraw() or vault.redeem()
  IF has Pendle PT     → router swap PT → USDC (or redeem at maturity)

Core Workflows

1. Scan & Report (CLI)

When user asks "what are the best yields?" or "where should I put my USDC?":

Run python3 skills/yield-optimizer/scripts/scan_pools.py
Present top opportunities grouped by risk tier
Highlight the best rate per chain and the overall best

python3 skills/yield-optimizer/scripts/scan_pools.py                     # Full report
python3 skills/yield-optimizer/scripts/scan_pools.py --json              # JSON for automation
python3 skills/yield-optimizer/scripts/scan_pools.py --chain Arbitrum    # Filter by chain
python3 skills/yield-optimizer/scripts/scan_pools.py --protocol pendle   # Filter by protocol
python3 skills/yield-optimizer/scripts/scan_pools.py --amount 10000 --risk balanced  # Allocation

2. Launch Web UI

For the full visual experience with wallet connection:

cd output/yield-agent-v4
npm install
node server.js    # starts on port 3456

Then use preview_serve to expose it.

3. Execute Deposit (Programmatic)

When user confirms a recommendation:

Check wallet balances via wallet skill
If USDC is on wrong chain, suggest bridging (across-bridge skill)
Determine best protocol for target chain (from /api/pools)
Execute the protocol-specific deposit flow
Verify position via balance read

Prerequisites: Load wallet-policy skill and propose standard wildcard policy before on-chain ops.

4. Monitor & Rebalance

For scheduled autonomous operation:

Scan yields every hour
Compare current position APY vs best available
If delta > 1% AND gas cost < 0.1% of position → recommend rebalance
Log all decisions with reasoning

schedule_task(
  command="python3 skills/yield-optimizer/scripts/scan_pools.py --json",
  schedule="every 1 hour"
)

Risk Tiers

Tier	Protocols	Characteristics
🟢 Safe	Aave V3, Compound V3, Spark	Established, audited, >$100M TVL
🟡 Moderate	Morpho, Euler, Fluid	Newer but audited, ERC-4626, >$10M TVL
🔴 Aggressive	Pendle	Higher yields via PT fixed-rate, maturity risk

Contract Addresses

See references/contracts.json for:

Aave V3 pool addresses per chain
USDC token addresses per chain
aToken addresses per chain
RPC endpoints per chain

Morpho vault addresses:

Ethereum: 0xBEEF01735c132Ada46AA9aA4c54623cAA92A64CB (Steakhouse USDC)
Base: 0xc1256Ae5FF1cf2719D4937adb3bbCCab2E00A2Ca (Steakhouse USDC)
Arbitrum: 0x2C8FBB630Bae56bBC27E286d0D4816D62e4C1509 (Steakhouse USDC)
Optimism: 0x7BfA7e0e3De0e3a6B4399F9CAa1E444Dd3d55c54 (Gauntlet USDC Prime)

Key Gotchas

APY ≠ APR. DeFi Llama returns APY (compounded). Don't double-compound.
Reward APY is temporary. apyReward (token incentives) can vanish. Weight apyBase higher.
TVL matters. High APY + low TVL = unsustainable. Filter >$100K minimum, prefer >$10M.
Gas costs eat small positions. Ethereum mainnet ≈ $5-15. Don't rebalance $500 for 0.3% more.
Pendle PT has maturity dates. Full implied APY only if held to maturity. Early exit via AMM may differ.
Morpho vaults are ERC-4626. Standard deposit/withdraw, but shares ≠ assets (use convertToAssets).
Bridge time. Cross-chain moves take 2-15 minutes via Across. Don't show as instant.
USDC decimals. Always 6 decimals. parseUnits(amount, 6) not 18.

Integration with Other Skills

Skill	Purpose
wallet	Balance checks, transaction execution
across-bridge	Cross-chain USDC transfers when rebalancing
wallet-policy	Ensure wallet policy is set before on-chain ops
coinglass / market-data	Broader market context for yield decisions
charting	Visualize yield trends over time