Yield Aggregator · Review
DFI.Money (YFII) Review 2026: Small Yearn Fork on Ethereum
DFI.Money (YFII) is an Ethereum yield aggregator forked from Yearn.finance, governed by a fixed-supply token. Its TVL is now small, so treat it as a legacy, high-risk protocol.
By the DappsAtlas editorial team · Updated
DappsAtlas score
4.5/10
Weak
Our verdict on YFII
4.5/10DFI.Money suits experienced DeFi users who want to study or hold a legacy Yearn.finance fork and who accept high risk. Its main strength is a familiar, simple vault model with a governance token that is easy to trade on major exchanges. The main caveat is its scale: TVL is under $500K, the homepage could not be loaded, and fees, team and audit details are not published clearly. Newcomers and anyone seeking dependable yield should look at larger, actively maintained aggregators.
Score breakdown
How YFII scores
- Security
- 4.5/10
- Ease of use
- 5.5/10
- Fees
- n/a
- Features
- 5.0/10
Scores run from 0 to 10 and are based only on facts we could verify. Where information was missing we mark the score n/a rather than guess.
What is YFII?
DFI.Money, known by its token ticker YFII, is a decentralized finance platform on Ethereum. Third-party sources describe it as a fork of Yearn.finance that acts as a yield optimizer for tokens, with YFII as its fixed-supply governance token.
DefiLlama classes it as a yield aggregator with about $469K of total value locked and one audit listed. The project's social account is DfiMoney. Public reporting put the token's market capitalization at roughly $1M to $1.3M, with 24-hour trading volume in the low tens of thousands of dollars.
This is a small, older protocol. The homepage could not be loaded when this review was prepared, so readers should verify that the app is still operating before using it.
How YFII works
A yield aggregator pools user deposits into vaults. Each vault uses a strategy that moves the funds between lending markets or liquidity pools to chase better returns, and it automatically reinvests the earnings. Users hold a share of the vault rather than managing each move themselves.
DFI.Money follows this model because it started as a fork of Yearn.finance. The YFII token governs the platform, and third-party descriptions say liquidity providers earn rewards for their participation. Strategy details and current vault lists are not available in the material reviewed here.
The main trade-off is that users depend on the strategy contracts working as intended. A bug, a failure in an underlying protocol or a poorly managed strategy can lead to losses.
5 features
Key features
01
Yield vault aggregation
Deposited tokens are pooled into vaults that route funds to yield sources, as in the Yearn.finance model it was forked from.
02
YFII governance token
YFII is described as a fixed-supply governance token that lets holders take part in the platform's decisions.
03
Liquidity provider rewards
Liquidity providers who interact with the network are reported to earn rewards, according to third-party descriptions.
04
Ethereum deployment
The protocol operates on Ethereum only, giving access to its established DeFi markets and wallets.
05
Listed audit
DefiLlama lists one audit for the protocol, though details of the auditor are not given.
Pros and cons
What we like
- Clear, established model: a Yearn.finance-style vault aggregator
- Fixed-supply governance token gives holders a say in the platform
- Listed on large exchanges, so YFII can be bought and sold
- Has an audit listed on DefiLlama
- TVL remained stable-to-slightly-up over the last 7 days (+1.7%)
Watch out for
- Very small TVL of roughly $469K, so it has little liquidity and limited market depth
- Homepage could not be reached, which raises doubts about how actively the product is maintained
- Fork of an existing aggregator, so it carries inherited smart-contract risks with little original design
- Fee schedule, team and audit details are not published in an easy-to-find place
- Thin trading volume for the YFII token makes entering and exiting positions costly
- Runs only on Ethereum, where gas costs can erode returns on small deposits
YFII fees
DFI.Money does not publish a fee schedule in the material available. Yearn-style vaults typically charge a performance fee on yield and sometimes a withdrawal fee, so users should check the terms shown for each vault in the app.
On top of any protocol fees, every deposit, withdrawal and token approval on Ethereum costs gas. With a small TVL and probably small positions, gas can take a large share of returns.
Is YFII safe?
DefiLlama lists one audit, but the auditor and scope are not stated. As a fork of Yearn.finance, it inherits the risks of vault strategies, such as bugs, oracle problems and failures in the underlying protocols it routes funds through. Deposits are held in smart contracts, so you keep no recourse if they fail.
The team, governance process and any admin key arrangements are not published in the material reviewed. No regulatory status is stated. Small TVL and low token volume add liquidity risk. Only use funds you can afford to lose.
6 steps
How to get started with YFII
- 1
Confirm that the DFI.Money site and contracts are still live and find the audit report before sending funds.
- 2
Set up an Ethereum-compatible wallet and fund it with ETH for gas fees.
- 3
Review which vaults are available, which token each accepts and what fees apply.
- 4
Start with a small test deposit and approve only the amount you intend to use.
- 5
Monitor your position and the vault's yield, and withdraw if the protocol looks inactive or risky.
- 6
If you want governance exposure, check YFII liquidity on the exchange you plan to use before buying.
Who YFII is for
Experienced DeFi users who understand vault risk, want exposure to a small governance token or are researching early Yearn forks. It is not suited to beginners or to anyone who cannot accept the possibility of total loss.
YFII FAQs
What is DFI.Money (YFII)?
DFI.Money is a DeFi yield optimizer on Ethereum that began as a fork of Yearn.finance. Users deposit tokens into vaults and the protocol allocates them to earn yield. YFII is its governance token.
What is the YFII token used for?
YFII is the governance token of the DFI.Money platform. Third-party descriptions say it has a fixed supply and rewards liquidity providers for taking part in the network. The circulating supply is reported at around 40,000 tokens.
How much is locked in DFI.Money?
DefiLlama data shows about $469K in total value locked on Ethereum, with a 7-day change of about 1.7%. That is small compared with major aggregators, so liquidity and activity are limited.
Is DFI.Money safe?
It has one audit listed on DefiLlama, but the audit provider and scope are not stated. An audit reduces risk but does not remove it, and the protocol is a Yearn fork. Read any audit report yourself before depositing.
Where can I buy YFII?
Yes, YFII trades on public markets and is listed on large exchanges according to public reporting, though 24-hour volume is reported in the low tens of thousands of dollars. Low volume means prices can move sharply on modest orders.
What fees does DFI.Money charge?
The project does not publish a clear fee table. Yearn-style vaults commonly charge performance and withdrawal fees, so check each vault's terms in the app before depositing. Ethereum gas fees also apply.
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How we checked
Sources
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