AgentFi: A New Paradigm for Stablecoin Yields

In the context of increasingly diverse stablecoin yield strategies, but with users' attention and execution efficiency limited, AgentFi, as the next paradigm of "AI + DeFi" integration, provides DeFi users with an intelligent agent solution that automatically optimizes without the need for constant monitoring.

Classification and Comparison of DeFAI and AgentFi

Although DeFAI and AgentFi are both in the "AI + DeFi" intersection, their technological essence, product forms, and paradigm missions are completely different. 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, making fully automated decisions and closed-loop executions, rather than simply using AI as a decision-making aid 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., with AI models supporting human decision-making. This type of financial automation product relies on explicit user instructions and strategies, executing a "from instruction to operation" process.

AgentFi Category: Build a financial system where on-chain AI agents are the primary executors. Agents can autonomously reason, make decisions, and carry out transactions or governance operations, with users authorizing the agent to act on their behalf. The agent actively decides and executes. Using the "from intent to result" paradigm, users only need to express their goals, and the system can complete strategy formulation and execution.

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

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

Stablecoin Yield Optimization in AgentFi

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

AgentFi has initially realized the vision of mutual integration between 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 that the logic is verifiable and actions are traceable.

Vision and Paradigm Concept of the Giza Project

Giza is a blockchain infrastructure project focused on building "Verifiable AI Agents," dedicated to promoting the emerging paradigm of Agent-native Finance. Unlike Modulus Labs or EZKL, which lean towards theoretical research or infrastructure development, Giza emphasizes engineering and practicality, being one of the earliest projects in the ZKML track to achieve a complete closed loop of "on-chain intelligent agents + verifiable execution + AI scheduling."

Giza has proposed a groundbreaking concept - Xenocognitive Finance, which introduces AI agents as a new interface in decentralized finance to address the cognitive bottlenecks of human participants and restructure market intelligence and structure. The agents are not passive tools, but "cognitive representatives" that possess independent reasoning capabilities and on-chain execution authority. By enhancing the entire market's information processing capacity through a distributed agent network, market intelligence expands with the scale of participation rather than collapsing, and provides trustworthy results through zero-knowledge proofs (ZK).

The architecture of the Giza Protocol includes the following three layers:

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

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:

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

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

• Smart Account Security
• Access Control Mechanism
• Risk Management System

Core Positioning and Incentive Mechanism of Tokens

$GIZA is the native asset of the Giza intelligent agent network, featuring instant usability, long-term value capture capability, and is designed around core principles of community-first, product-driven, and mechanism restraint.

Key points include:

• Reasonable initial valuation
• Zero Unlock Start
• The product has been launched.
• The purpose of the token is clear
• Incentives and Security Bound
• Value Reflow Mechanism
• Community-oriented distribution
• Dual Staking Mechanism
• Time-weighted design
• Incremental Governance

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.
• Overlaying security risks in complex systems
• The path for token value release is unclear.

Summary

AgentFi, as the next paradigm of the "AI + DeFi" fusion, provides DeFi users with a smart agent solution that requires no monitoring and automates optimization. Represented by Giza and its core product ARMA, the AgentFi sector has taken the lead in realizing a complete closed loop of AI strategy + non-custodial execution, making it one of the few projects that combines deep conceptual understanding with practical product utility.

However, AgentFi is still in its early stages, and user trust, execution stability, and the token value capture mechanism all await further market validation. For users and builders who value product prospects and are willing to invest in the early dividends of paradigm transformation, AgentFi, especially Giza/ARMA, may represent the first voice and opportunity of the era of agent finance.