> ## Documentation Index
> Fetch the complete documentation index at: https://yieldxyz.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Plutus

> Embed an AI wealth agent that reviews portfolios, recommends yield, and prepares unsigned transactions for your wallet.

<Badge color="blue">Private preview</Badge>

Plutus is an AI wealth agent that wallets, exchanges, banks, custodians, and fintechs embed in their own product. It reviews a user's portfolio, recommends where to earn, prepares the transaction, and tracks the resulting position. Plutus is built on [AgentKit](/documentation/ai-agents/agentkit/index).

## What Plutus does

1. **Reads the portfolio.** Plutus builds a live view of balances, positions, rewards, and idle assets across the user's connected wallets and networks.
2. **Compares opportunities.** It evaluates staking, lending, vaults, DeFi, and tokenized real-world assets using yield.xyz data: APY, TVL, liquidity, historical performance, risk, reward mechanics, and exit conditions.
3. **Recommends an action.** Each recommendation states its reasoning and trade-offs, including expected return, liquidity, risk, exit conditions, and alternatives.
4. **Prepares the transaction.** Once the user approves, Plutus builds an unsigned transaction and routes it to the platform's wallet for signing.
5. **Monitors the position.** Plutus tracks the result, so the next conversation starts from current portfolio context.

## Custody and control

Each deployment defines what Plutus can do: approved assets, networks, contracts, transaction limits, and approval requirements. Plutus applies those constraints when it compares opportunities and prepares an action.

Transactions stay unsigned until they reach the platform's wallet infrastructure, which validates, approves, and signs them. Plutus never needs private keys. A platform can require human approval for every action or allow execution when its predefined policies are met.

## Plutus or AgentKit

| | AgentKit | Plutus |
| - | - | - |
| What you get | Tools and skills to integrate into your own agent or app | A complete embedded agent experience |
| You build | The agent, its interface, and its policies | Brand, interface placement, and policy configuration |
| Best for | Teams building their own AI product | Teams that want to ship a wealth agent to users |

## Get access

Plutus is in private preview. Request access at [plutus.yield.xyz](https://plutus.yield.xyz).

## Next steps

<Columns cols={2}>
  <Card title="AgentKit" icon="puzzle-piece" href="/documentation/ai-agents/agentkit/index">
    Build your own agent on the same foundation.
  </Card>

  <Card title="MCP server" icon="server" href="/documentation/ai-agents/mcp-server">
    The tools Plutus and AgentKit call.
  </Card>
</Columns>


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.