AgentFi: A New Paradigm for Stablecoin Yield

In the context of increasingly rich stablecoin yield strategies, but with users' attention and execution efficiency limited, AgentFi, as the next stage paradigm of "AI + DeFi" integration, offers DeFi users a smart agent solution that requires no monitoring and automatically optimizes.

Classification and Comparison of DeFAI and AgentFi

DeFAI and AgentFi, although both are in the "AI + DeFi" intersection, have fundamentally different technological natures, product forms, and paradigm missions. AgentFi distinguishes itself from traditional DeFi or generalized DeFAI projects; its core feature is that the AI Agent is the main executor and decision-making vehicle, making fully automated decisions and executing in a closed loop, rather than simply using AI as a decision support tool for data analysis and strategy enhancement.

DeFAI Category: Tools that use AI to assist or enhance DeFi-related functions, such as strategy optimization, data analysis, investment advice, etc. AI models assist human decision-making. Such financial automation products rely on clear instructions and strategies from users and execute a "from instruction to operation" process.

AgentFi Category: Building a financial system where on-chain AI agents are the primary executors. Agents can autonomously reason, make decisions, and complete trading or governance operations, with users authorizing agents to act on their behalf. The agents proactively make decisions and execute actions. Using the "from intention to result" paradigm, users only need to express their goals, and the system can formulate and execute strategies.

The AgentFi projects currently on the market can be simply categorized as:

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

Optimization of Stablecoin Earnings in AgentFi

The track of stablecoin yield optimization is not new in the world of DeFi. From the earliest Yearn Finance (YFI) automated yield aggregator and Idle Finance's automatic asset rebalancing and strategy portfolio platform, to professional DeFi risk modeling and protocol-level yield optimization platforms aimed at institutions, all belong to relatively representative automated yield optimization projects before AgentFi.

AgentFi( has initially realized the vision of mutual integration of Crypto and AI: that is, AI empowers users to better participate in the native Defi world of Crypto through on-chain information collection and decision-making capabilities, while utilizing the immutability of blockchain to retain transaction details in the form of on-chain logs to ensure logical verifiability and traceability of actions.

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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 the emerging paradigm of Agent-native Finance. Giza introduces the concept of Xenocognitive Finance, which involves introducing AI agents as a new 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 the following three layers:

• Semantic Abstraction Layer
• Decentralized Execution Layer
• Agent Authorization Layer

The agency execution process of Giza is completed by the collaboration of three core modules, divided into four key steps: request processing, protocol interaction, execution verification, and result feedback.

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Representative Product ARMA: Stablecoin Yield Optimization Agent

ARMA (Autonomous Revenue Management Agent) is a stablecoin yield optimization smart agent launched by Giza, aimed at maximizing automated yields for users across protocols. It is currently deployed on the Base network and plans to expand to more Layer 2 ecosystems, supporting mainstream lending protocols such as AAVE, Morpho, Compound, and Moonwell.

The main features of ARMA include:

• Intelligent Strategy Scheduling
• APR Optimization System
• Automatic compound interest mechanism
• Smart Coin Exchange Logic

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

• Smart Account Security
• Access control mechanism
• Risk Management System

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The charging and revenue mechanism of ARMA is centered around user-friendliness, transparency, and efficiency, covering three main aspects: fee structure, reward management, and asset management.

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Core Positioning and Incentive Mechanism of Tokens

$GIZA is the native asset of the Giza Intelligent Agent Network, featuring instant utility, long-term value capture capability, and is designed with core principles of community-first, product-driven, and mechanism restraint.

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The Giza growth flywheel effect builds a growth flywheel driven by the utility of agents, protocol usage, token value, and ecological participation.

![AgentFi to XenoFi, a new paradigm of stablecoin收益])https://img-cdn.gateio.im/webp-social/moments-49c8d8c4d83802f40e020e34cd831526.webp(

The governance mechanism of Giza adopts a phased evolution model, combining professional committees with community representatives to ensure that the protocol gradually achieves decentralization on a secure and stable foundation.

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Investment Analysis Logic and Potential Risks

Investment Logic:

• Paradigm Innovation Narrative
• Product practicality is leading
• Early mining profit window

Potential risks:

• User trust building is still in the early stages.
• The combination of complex systems adds security risks
• The token value release path is unclear.

![AgentFi to XenoFi, a new paradigm for stablecoin yields])https://img-cdn.gateio.im/webp-social/moments-d8116518fe0454bbb5459cc66fcb783f.webp(

Summary

AgentFi, as the next paradigm of the "AI + DeFi" integration, offers DeFi users intelligent proxy solutions that do not require constant monitoring and automatically optimize performance. Giza, based on the core concept of "cognitive dissonance finance," has taken the lead in achieving a complete closed loop of AI strategies + non-custodial execution, making it one of the few AgentFi projects that combines deep concepts with practical products. ARMA focuses on stablecoin yield optimization, has launched on multiple chains, and integrated mainstream lending protocols, along with a structured token incentive mechanism, possessing early mining effects.

AgentFi is still in the very early stages, with user trust, execution stability, and the token value capture mechanism awaiting further market validation. However, for users and builders who value product prospects and are willing to seize the early dividends of paradigm transformation, AgentFi, especially Giza/ARMA, may represent the first voice and opportunity of the agent financial era.