# Otto AI Personalized Yield Vault Recommendations

> Otto AI Personalized Yield Vault Recommendations is a paid API for AI agents from x402.ottoai.services, paid per call via x402, $0.001/call, status unknown (last checked 2026-09-15).

Returns personalized DeFi yield vault recommendations ranked by APY, TVL, and risk based on a user's token holdings across 80+ protocols, powered by vaults.fyi

## Facts

- Endpoint: GET https://x402.ottoai.services/yield-recommendations
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/x402-ottoai-services-b7b51eb3
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_x4XubYUAxN91cKD1_uZkb

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability x402-ottoai-services-b7b51eb3
```

Example prompt: What are the best yield vaults I should be using right now given what I'm holding in wallet 0x742d35Cc6634C0532925a3b844Bc9e7595f42bE4? Rank them by APY and risk.

## When to prefer this

Use this endpoint when you have a specific EVM wallet address and want personalized yield vault recommendations tailored to that wallet's actual token holdings, rather than generic yield listings. Prefer this over general yield dashboards when the user wants to know which vaults are most relevant to what they already hold, with ranking across 80+ protocols.

## Known failure modes

- Invalid or malformed EVM wallet address returns an error or empty recommendations array
- Wallet with no recognized token holdings returns an empty recommendations array
- Upstream vaults.fyi data unavailability causes degraded or empty results
- Payment failure (insufficient USDC) results in 402 response before data is returned
- Rate limiting or quota exceeded returns an error response

## How this service works

Best-available stablecoin yield deposit options: the highest-APY lending venue per stablecoin (USDC / USDT / DAI …), read directly on-chain from Aave / Morpho / Compound across supported chains, with APY basis, liquidity profile, reward-completeness and TVL. Returns the best available options (not yet personalized to a specific wallet's holdings).

## Output

A list of personalized yield vault recommendations for the user's wallet address, ranked by APY, TVL, and risk score, sourced from 80+ DeFi protocols via vaults.fyi, along with a success status and attribution.

## Example request

```json
{
 "input": {
  "type": "http",
  "method": "GET",
  "queryParams": {
   "userAddress": "0x1234567890123456789012345678901234567890"
  }
 }
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [],
     "properties": {
      "userAddress": {
       "type": "string",
       "description": "Optional EVM wallet address (echoed back; personalization not yet applied)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "scope": {
       "type": "string"
      },
      "status": {
       "type": "string"
      },
      "recommendations": {
       "type": "array"
      }
     }
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402-ottoai-services-b7b51eb3/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.ottoai.services](https://www.zero.xyz/host/x402.ottoai.services/llms.txt)