Yield Aggregator · Review
ActiveZoo Finance Review 2026: Structured Yield on Six Chains
Zoo Finance is a yield-category protocol described as a structured asset protocol for better liquidity utilization, with about $29.6M TVL across six chains. Public detail is limited and no audits are listed, so treat it with caution.
By the DappsAtlas editorial team · Updated
DappsAtlas score
—/10
Not rated
Our verdict on Zoo Finance
Zoo Finance may suit experienced DeFi users who are comfortable researching a structured yield protocol on their own. Its main strength is sizeable TVL of about $29.6M across six chains. The main caveat is the lack of listed audits and the minimal public documentation. Read the official documentation and verify audits and fees before depositing anything.
Score breakdown
How Zoo Finance scores
- Security
- 3.5/10
- Ease of use
- n/a
- 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 Zoo Finance?
Zoo Finance is a DeFi protocol listed under Yield on DefiLlama, described as a Structured Asset Protocol for Better Liquidity Utilization. It has been tracked since 10 February 2025 and shows about $29.6M in total value locked.
It is deployed on BNB Chain, Story, Sei, Arbitrum, Base and Berachain. DefiLlama lists no native token and no audits. Its homepage available for this review is minimal, with only the project name shown, so product details are limited.
This review is research-based and draws only on the listed data.
How Zoo Finance works
DefiLlama describes Zoo Finance as a Structured Asset Protocol for Better Liquidity Utilization and files it under Yield. In general, structured asset protocols package deposited assets into defined products, for example by splitting returns or risk between different holders, or by putting idle liquidity to work in other DeFi venues.
The project does not say which assets Zoo Finance accepts, what strategies it runs, or how returns are split. Readers should treat this explanation as general background and confirm the specifics in the project's own documentation.
4 features
Key features
01
Structured asset approach
DefiLlama describes the protocol as a Structured Asset Protocol aimed at better liquidity utilization. The exact structure is not detailed publicly.
02
Multi-chain deployment
The protocol is listed on BNB Chain, Story, Sei, Arbitrum, Base and Berachain.
03
Yield category focus
It is classified under Yield on DefiLlama, suggesting a focus on earning returns on deposited assets.
04
Sizeable TVL
About $29.6M in total value locked indicates meaningful deposits, though the figure alone says nothing about safety.
Pros and cons
What we like
- Meaningful TVL of about $29.6M suggests real user deposits.
- Available on six chains, including major networks such as Arbitrum and Base.
- Listed on DefiLlama since February 2025, so it has some public track record.
- No native token means no token-driven emissions to account for, though incentives are unknown.
Watch out for
- No audits are listed on DefiLlama, so smart-contract risk is not independently documented publicly.
- Homepage is minimal, so the product's mechanics, fee schedule and risks are not published.
- TVL fell 6.7% over the last 7 days, and it is unclear whether this reflects market moves or withdrawals.
- No native token is listed, so governance and incentive details are unknown.
- Spread across six chains, which adds bridge and deployment risk without clear documentation of how each is used.
Zoo Finance fees
Zoo Finance does not publish fee information in the material available for this review. Management, performance or withdrawal fees, if any, would typically be shown in the app or documentation on the official site. Check them before depositing, along with normal network gas costs on the chain you use.
Is Zoo Finance safe?
DefiLlama lists no audits for Zoo Finance. Without an audit, smart-contract risk is harder to assess, and users should look for audit reports, admin-key details and any insurance or bug bounty on the official site.
No security incidents are mentioned publicly, but that is not proof none has occurred. Yield and structured products carry risks including contract bugs, strategy losses and liquidity shortfalls. Never deposit more than you can afford to lose.
6 steps
How to get started with Zoo Finance
- 1
Visit the official site and read any documentation or product pages to understand the structure being offered.
- 2
Look for audit reports and check who controls the contracts and any admin keys.
- 3
Decide which supported chain you want to use and make sure your wallet is set up for it.
- 4
Review fees, lockup or withdrawal terms in the app before depositing.
- 5
Start with a small amount you can afford to lose and monitor the position.
- 6
Keep track of risks such as smart-contract bugs, depegs or strategy losses.
Who Zoo Finance is for
Zoo Finance is aimed at experienced DeFi users interested in structured or yield products across chains such as BNB Chain, Arbitrum and Base. Newcomers should be cautious, since public sources give little detail on strategies, fees or audits.
Zoo Finance FAQs
What is Zoo Finance?
DefiLlama describes it as a Structured Asset Protocol for Better Liquidity Utilization and lists it in the Yield category. The project does not explain the specific strategies or products in more detail.
Which blockchains does Zoo Finance support?
DefiLlama lists BNB Chain, Story, Sei, Arbitrum, Base and Berachain. Which products are available on each chain is not stated publicly.
Is Zoo Finance audited?
DefiLlama shows no audits for the protocol. Smart-contract risk is therefore not independently documented here, and users should look for audit reports on the official site or in its documentation before depositing.
Does Zoo Finance have a token?
DefiLlama lists no token for Zoo Finance. Any future token plans are not stated publicly.
How much is locked in Zoo Finance?
Total value locked was about $29.55M at the time of the data, down 6.7% over seven days. It has been listed on DefiLlama since February 2025.
Compare
Zoo Finance alternatives
Convex Finance is a DeFi yield platform that boosts rewards for Curve, Frax and f(x) liquidity providers and lets CVX lockers vote on emissions.
Spark Savings is a Sky ecosystem savings product where users deposit stablecoins and other assets to earn a variable yield tied to the Sky Savings Rate.
Vesper is a multi-chain yield aggregator where users deposit into pools to earn yield, with institutional and protocol integration services.
vfat.io is a non-custodial, multi-chain yield aggregator and portfolio manager built on the Sickle smart contract wallet, for active DeFi farmers.
Aura Finance is a Balancer-based yield and governance booster for liquidity providers and BAL stakers, using the AURA token across nine chains.
Superform is a multi-chain yield aggregator and onchain wealth app that offers automated SuperVaults and 800+ earning options, plus the UP governance token.
Same category
More Yield Aggregators
Yearn Finance is a DeFi yield aggregator whose automated vaults deposit crypto into on-chain strategies to earn compounding yield for self-custody users.
Lulo is a non-custodial Solana stablecoin yield aggregator that spreads deposits across lending protocols with a built-in coverage layer.
Origin ARM is a set of Origin Protocol vaults that earn yield by buying discounted redeemable assets and redeeming them at par, for ETH and stablecoin holders.
infiniFi is an on-chain stablecoin yield protocol where users mint iUSD and either stake it for liquidity or lock it for higher yield.
DeFindex is a non-custodial stablecoin yield infrastructure on Stellar that lets wallets, neobanks and fintech apps add savings vaults via API.
Harvest Finance is a DeFi yield aggregator and APY index tracking 101 strategies across five networks, for users comparing onchain yields.
Same chain
More on BNB Chain
Aave V3 is a non-custodial DeFi lending protocol on 21 chains where users earn interest on deposits or borrow against collateral.
Uniswap V4 is the latest Uniswap DEX version with hooks and concentrated liquidity, running on 22 chains for self-custody token swaps and liquidity provision.
Uniswap V3 is a non-custodial decentralized exchange protocol for token swaps and concentrated liquidity provision across 40+ chains.
LayerZero V2 is a cross-chain messaging protocol and bridge infrastructure for developers and asset issuers, connecting dozens of blockchains.
Morpho Blue is a permissionless lending primitive with about $11.4 billion in TVL on DefiLlama, accessed mainly through curated vaults.
Uniswap V2 is a non-custodial automated market maker DEX on 17 chains for token swaps and liquidity provision, with about $938M TVL.
How we checked
Sources
Last updated . Spotted an error? Tell us and we will correct it.