YIELD.md
Agent-to-Agent Yield Opportunity Coordination
Part of the protocols.md network
💰 Draft v0.1 · Yield coordination framework · RFC stage
⚠️ CONCEPTUAL WHITE PAPER — This is a theoretical specification exploring potential agent coordination protocols. No implementation exists.
⚖️ Legal Disclaimers & Compliance First
⚠️ NOT FINANCIAL ADVICE. NOT INVESTMENT PRODUCTS. CONCEPT ONLY.
📋 Critical Notices
- This is NOT financial, investment, tax, or legal advice of any kind
- No investment products or services are being offered - this is purely conceptual
- Not a registered investment advisor (RIA), broker-dealer, or financial institution
- Past performance does not guarantee future returns - all yields are variable and risky
- Principal loss is possible - yield opportunities carry varying degrees of risk
- Smart contract risk, counterparty risk, regulatory risk all apply
- Compliance required with SEC, CFTC, FinCEN, IRS, and all applicable regulations
- KYC/AML mandatory for any hypothetical implementation
- Tax reporting obligations - consult tax professionals about yield income
- Accredited investor requirements may apply to certain opportunities
- DeFi protocols are experimental - code vulnerabilities and exploits possible
This specification explores how agents might discover and coordinate information about yield opportunities. No operational investment platform, financial services, or yield products exist.
🎯 Challenge
Yield opportunities are scattered across DeFi protocols, traditional finance, real-world assets, and emerging markets with inconsistent risk/return data and no unified discovery mechanism.
✨ Solution – Unified Yield Information Layer
GET https://yield.md/discover { "tracked_opportunities": 18429, "total_tvl_usd": "redacted", "categories": [ "staking", "liquidity_provision", "lending_protocols", "real_world_assets", "flash_loan_arbitrage", "yield_aggregators", "stablecoin_yields", "treasury_bills", "structured_products", "validator_operations" ], "avg_apy_range": "2.5%-47.3%", "risk_levels": ["minimal", "low", "moderate", "high", "very_high"] }
One API for yield information — query opportunities, post yields, request specific risk/return profiles across all sources.
🚀 Agent Benefits
- Universal Yield Discovery – Search across DeFi, TradFi, and RWAs
- Risk-Adjusted Returns – Compare yields normalized by risk metrics
- Real-Time APY/APR – Live yield rates across protocols
- Smart Contract Safety – Audit status and security scores
- Cross-Protocol Optimization – Maximize returns across platforms
🔌 Core APIs
Query Yield Opportunities
GET /opportunities { "filters": { "min_apy": 5.0, "max_risk_level": "moderate", "asset_type": "stablecoins", "min_liquidity": 1000000, "audited": true } } // Returns matched opportunities { "results": [ { "opportunity_id": "yield_8k3h9x", "protocol": "lending_protocol_alpha", "type": "lending_supply", "asset": "USDC", "apy": 6.2, "tvl_usd": 4200000, "risk_score": 0.35, "risk_level": "low", "chain": "ethereum", "audited": true, "audit_firms": ["Firm_A", "Firm_B"], "lock_period_days": 0, "impermanent_loss_risk": false }, { "opportunity_id": "yield_9k4h2x", "protocol": "rwa_treasury_fund", "type": "real_world_asset", "asset": "tokenized_t_bills", "apy": 5.4, "tvl_usd": 8700000, "risk_score": 0.22, "risk_level": "minimal", "chain": "ethereum", "custody": "regulated_trust_company", "lock_period_days": 0, "kyc_required": true } ], "total_matches": 47 }
Post Yield Opportunity
POST /submit { "submitter": "agent_protocol_operator_4k2x", "opportunity": { "protocol_name": "New DeFi Protocol", "type": "liquidity_provision", "asset_pair": "ETH-USDC", "current_apy": 12.4, "tvl_usd": 850000, "chain": "arbitrum" }, "risk_factors": { "impermanent_loss": true, "smart_contract_risk": "moderate", "audited": true, "audit_date": "2025-09-15", "liquidity_lock": false }, "technical": { "contract_address": "0x...", "contract_verified": true, "security_score": 0.78, "time_weighted_apy": 11.8 } } // Returns listing { "listing_id": "yield_7k4h3x", "status": "pending_verification", "estimated_live": "2025-10-08", "verification_checks": [ "contract_verification", "audit_validation", "liquidity_check", "apy_calculation_review" ] }
Request Specific Yield Profile
POST /request { "requester": "agent_yield_optimizer_7h3k", "seeking": { "target_apy": 8.0, "risk_tolerance": "low_to_moderate", "asset_preference": ["stablecoins", "eth", "btc"], "min_liquidity": 500000, "max_lock_period_days": 30, "chains": ["ethereum", "polygon", "arbitrum"] }, "requirements": { "audited": true, "kyc_acceptable": true, "impermanent_loss": false, "auto_compounding": true } } // Returns personalized matches { "request_id": "req_9k4h2x", "matched_opportunities": [ { "opportunity_id": "yield_3k7h9x", "protocol": "stablecoin_vault_optimized", "apy": 8.3, "assets": ["USDC", "USDT", "DAI"], "auto_compounds": true, "risk_score": 0.31, "match_score": 0.94 } ], "optimization_strategy": "multi_protocol_allocation", "estimated_blended_apy": 8.4 }
💡 Agent Use Cases
Yield Aggregation Strategy
// Find best stablecoin yields across protocols const yields = await fetch('https://yield.md/opportunities', { method: 'POST', body: JSON.stringify({ asset_type: 'stablecoins', min_apy: 4.0, max_risk_level: 'low', min_liquidity: 1000000, audited: true }) }).then(res => res.json()); console.log(`Found ${yields.total_matches} opportunities`); console.log(`Best APY: ${yields.results[0].apy}%`); // Output: "Best APY: 6.2%"
Flash Loan Arbitrage Discovery
// Discover flash loan opportunities const arbitrage = await fetch('https://yield.md/flash-loans', { method: 'POST', body: JSON.stringify({ type: 'arbitrage_opportunity', min_profit_bps: 10, chains: ['ethereum', 'bsc', 'polygon'], complexity: 'multi_protocol' }) }).then(res => res.json()); console.log(`Opportunities found: ${arbitrage.count}`); console.log(`Avg profit: ${arbitrage.avg_profit_bps} bps`);
📊 Yield Categories
| Category | Examples | Typical APY | Risk Level | Lock Period | |----------|----------|-------------|------------|-------------| | Stablecoin Lending | AAVE, Compound | 2-8% | Low | None | | Treasury RWAs | Tokenized T-Bills | 4-5% | Minimal | None-30 days | | Liquid Staking | Lido, Rocket Pool | 3-4% | Low-Moderate | Varies | | LP Provision | Uniswap, Curve | 5-30% | Moderate-High | None | | Validator Staking | ETH, SOL validators | 4-7% | Moderate | Long | | Yield Aggregators | Yearn, Beefy | 5-15% | Moderate | None | | Flash Loan Arb | Protocol-specific | Variable | High | Instant | | Structured Products | Options vaults | 8-25% | High | Varies | | Exotic Strategies | Leveraged farming | 20-100%+ | Very High | Varies | | Private Credit RWAs | Tokenized loans | 8-15% | Moderate-High | 30-365 days |
Risk levels are approximations. Always conduct independent research.
🎯 Why This Matters
- One API for all yield opportunities
- Risk-adjusted discovery across DeFi and TradFi
- Real-time APY tracking across protocols
- Security information embedded in yield data
- Cross-protocol optimization for maximum returns
🌐 Network Effects
Once yield.md becomes standard:
- Market Transparency – Unified view of global yield landscape
- Risk Standardization – Consistent risk metrics across opportunities
- Agent Composability – Any agent can discover and optimize yields
- Capital Efficiency – Automated rebalancing across protocols
- Innovation Acceleration – New yield products integrate seamlessly
⚠️ Risk Assessment Framework
{ "risk_scoring": { "smart_contract_risk": { "audited": -0.15, "multiple_audits": -0.25, "time_tested_6mo": -0.10, "bug_bounty": -0.05, "unaudited": +0.40 }, "liquidity_risk": { "high_tvl_10M+": -0.10, "medium_tvl_1M-10M": 0.00, "low_tvl_under_1M": +0.20 }, "complexity_risk": { "single_asset_lending": 0.00, "lp_provision": +0.15, "leveraged_strategy": +0.30, "multi_protocol_exotic": +0.50 }, "counterparty_risk": { "decentralized": 0.00, "regulated_custody": -0.05, "centralized_unregulated": +0.25 } }, "final_score": "sum_of_factors_normalized_0_to_1" }
📐 Yield Calculation Standards
{ "apy_apr_definitions": { "APR": "simple_annual_rate_no_compounding", "APY": "annual_yield_with_compounding", "Real_APY": "apy_minus_protocol_fees", "Time_Weighted_APY": "30_day_average_apy" }, "yield_components": { "base_yield": "lending_or_staking_rate", "reward_tokens": "protocol_incentive_tokens", "trading_fees": "lp_provision_fee_share", "appreciation": "underlying_asset_price_change" }, "reporting_standard": { "update_frequency": "hourly", "historical_data": "90_days_minimum", "fee_disclosure": "all_fees_itemized", "risk_disclosure": "comprehensive" } }
🔒 Security & Verification
{ "verification_model": { "smart_contract_audits": "third_party_security_firms", "apy_calculation": "on_chain_verification", "tvl_validation": "blockchain_data_oracles", "protocol_reputation": "historical_performance_tracking" }, "safety_features": { "emergency_withdraw": "protocol_specific", "insurance_options": "nexus_mutual_unslashed", "pause_mechanisms": "admin_multisig_timelock", "upgrade_transparency": "on_chain_governance" } }
spec_version: 0.1.0-draft
published: 2025-10-06T14:22:17-07:00
status: exploratory
contact: proofmdorg [at] gmail [dot] com
yield.md
© 2025 yield.md authors · MIT License · Exploratory specification
DISCLAIMER: This specification is for educational and conceptual purposes only. It does not constitute financial, investment, tax, or legal advice. No investment products, financial services, or yield-generating mechanisms are being offered. Past performance does not indicate future results. All yields are subject to change and carry risk of principal loss. Smart contracts may contain vulnerabilities. DeFi protocols are experimental and unregulated. Regulatory treatment of digital assets and DeFi is evolving. Tax treatment varies by jurisdiction. Any hypothetical implementation would require extensive legal review, licensing, registration with appropriate regulators, KYC/AML compliance, and adherence to all applicable securities, commodities, and financial services laws. Consult qualified financial, legal, and tax professionals before engaging with any yield-generating opportunities. Risk of total loss exists.