AgentFi: A New Paradigm for Stablecoin Yields

Against the backdrop of increasingly diverse stablecoin yield strategies, AgentFi, as a new paradigm of "AI + DeFi" integration, offers users an intelligent agency solution that requires no monitoring and automatically optimizes.

Classification and Comparison of DeFAI and AgentFi

AgentFi differs from traditional DeFi or generalized DeFAI projects in that its core feature is: the AI Agent is the main executor and decision carrier, with fully automated decision-making and closed-loop execution, rather than simply using AI as a decision support tool.

AgentFi Category: Building a financial system where on-chain AI agents are the primary executors, capable of autonomous reasoning, decision-making, and completing trading or governance operations, with users authorizing agents to act on their behalf. Using the "from intent to outcome" paradigm, users only need to express their goals, and the system can complete strategy formulation and execution.

Currently, there are only a handful of AgentFi projects in the market that truly focus on the Crypto Native DeFi world, which can be mainly divided into the following categories:

• Stablecoin Yield Optimization
• Strategy Combination/Liquidity Mining Type
• On-chain transaction execution type

Vision and Paradigm Concept of the Giza Project

Giza is a blockchain infrastructure project focused on building "Verifiable AI Agents" and is dedicated to promoting Agent-native Finance(, this emerging paradigm.

Giza proposed the concept of Xenocognitive Finance ), which introduces agents as a new type of interface in decentralized finance to address the cognitive bottlenecks of human participants and reconstruct market intelligence and structure.

The architecture of the Giza Protocol includes:

• Semantic abstraction layer: bridging the semantic gap between AI and blockchain
• Decentralized Execution Layer: Provides a scalable and secure agent execution environment
• Agency Authorization Layer: Ensures that the agency operates in a non-custodial, secure, and controllable manner.

ARMA: Stablecoin Yield Optimization Agent

ARMA is a stablecoin yield optimization smart agent launched by Giza, aimed at automating yield maximization across protocols for users. It is currently deployed on the Base network and supports mainstream lending protocols such as AAVE, Morpho, and Compound.

Main features of ARMA:

• Intelligent Strategy Scheduling: Real-time analysis of yields from various protocols, automatically executing optimal rebalancing operations.
• APR Optimization System: Ensures net gains from each operation through comprehensive optimization.
• Automatic compound interest mechanism: automatically receive and reinvest incentive tokens
• Smart coin exchange logic: supports dual currency operations with USDC and USDT, ensuring users can withdraw in the original currency.

ARMA ensures the safety of user funds and operations through a three-layer protection mechanism:

• Smart Account Security: Based on Self-Custody Smart Accounts
• Access Control Mechanism: Fine-tuning proxy permissions through Session Key
• Risk management system: only access prudently selected protocols, transaction process traceable

Core Positioning and Incentive Mechanism of Token

$GIZA is the native asset of the Giza Smart Agent Network, possessing instant usability and long-term value capture capability.

Key points:

• Reasonable Initial Valuation: The initial FDV at TGE is $70M
• Zero Unlock Launch: No token unlock for the team and investors at TGE.
• Clear token usage: for staking verification, permission control, protocol governance, and agent incentives.
• Value Reflow Mechanism: A portion of the revenue from agent operations flows into the AMM for $GIZA buyback or redistribution.
• Dual staking mechanism: both node operators and regular users can stake $GIZA
• Time-weighted design: The longer the staking, the higher the reward multiplier and governance rights.

Investment Analysis Logic and Potential Risks

Investment logic:

• Paradigm innovation narrative: Located at the intersection of AgentFi, ZK, and AI technologies.
• Product practicality is leading: automated agent execution closed loop has been realized.
• Early mining rewards window: Provides a token subsidy mechanism

Potential Risks:

• User trust building is still in its early stages: The market's trust in on-chain AI agents is limited.
• Complex systems overlay security risks: integrating multiple high-complexity modules
• The path for token value release is unclear: the incentive structure and value return model await validation.

Summary

AgentFi, as the next stage paradigm of the "AI + DeFi" integration, provides DeFi users with an intelligent agency solution that does not require constant monitoring and automatically optimizes. Giza, based on the concept of "heterogeneous cognitive finance," has pioneered a complete closed loop of AI strategies + non-custodial execution, making it one of the few AgentFi projects that combine deep concepts with practical products.

AgentFi is still in the very early stages, and user trust, execution stability, and token value capture mechanisms are yet to be further validated by the market. However, for users and builders who value product prospects and are willing to capitalize on the early dividends of paradigm shifts, AgentFi, especially Giza/ARMA, may represent the dawn and opportunity of the era of agent finance.