AgentFi: A New Paradigm for Stablecoin Earnings

Against the backdrop of increasingly rich stablecoin yield strategies but limited user attention and execution efficiency, AgentFi, as the next phase 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

DeFAI and AgentFi, while both situated in the "AI + DeFi" intersection, have fundamentally different technological essences, product forms, and paradigmatic missions. AgentFi distinguishes itself from traditional DeFi or generalized DeFAI projects with its core feature: the AI Agent is the main executor and decision carrier, 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 Major Category: Using AI to assist or enhance DeFi-related functions, such as strategy optimization, data analysis, investment advice, and other tool-based applications, with AI models assisting human decision-making. Such financial automation products rely on explicit user instructions and strategies, executing a "from instruction to operation" process.

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

Currently, the AgentFi projects in the market can be simply categorized as:

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

Stablecoin Yield Optimization 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 automated asset rebalancing and strategy combination platform, to professional DeFi risk modeling and protocol-level yield optimization platforms aimed at institutions, these all belong to relatively representative automated yield optimization projects prior to AgentFi.

AgentFi ( has preliminarily realized the vision of integrating 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 an on-chain log format, ensuring 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," dedicated to promoting the emerging paradigm of Agent-native Finance. As one of the few project teams in the ZKML track, Giza places greater emphasis on engineering and practicality, being one of the earliest projects in the ZKML track to achieve a complete closed loop of "on-chain smart agents + verifiable execution + AI scheduling."

Giza proposed the concept of Xenocognitive Finance, which involves the introduction of AI agents as new interfaces in decentralized finance to address the cognitive bottlenecks of human participants and reconstruct market intelligence and structure. In short, Xenocognitive Finance is a new paradigm for efficiently participating in decentralized finance through autonomous intelligent agents that extend human cognitive capabilities without sacrificing sovereignty in a non-custodial model, achieving "cognitive offload" without the need to constantly monitor the market or manually switch protocols.

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

1. Semantic abstraction layer: bridging the semantic gap between AI and blockchain
2. Decentralized execution layer: Provides a scalable, secure, and censorship-resistant agent execution environment.
3. Agency Authorization Layer: Ensure that the agency operates in a non-custodial, secure, and controllable manner.

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ARMA: Stablecoin Yield Optimization Agent

ARMA (Autonomous Revenue Management Agent) is a stablecoin yield optimization smart agent launched by Giza, designed to maximize automation of cross-protocol yields for users. 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 ensures the safety of user funds and operations through a three-layer protection mechanism:

1. Smart Account Security
2. Access Control Mechanism
3. Risk Management System

The fee and revenue mechanism of ARMA is centered on user-friendliness and transparency 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 immediate usability, long-term value capture capability, and is designed with community first, product driven, and mechanism restraint as core principles.

Key points include:

• Reasonable initial valuation
• Zero Unlock Start
• The product has been launched.
• The purpose of the token is clear
• Incentives are tied to security
• Value Reflow Mechanism
• Community-oriented distribution
• Dual Staking Mechanism
• Time-weighted design
• Incremental governance

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Giza has also launched the Giza Points System (GPS) as one of the bases for future native incentive distribution.

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Investment Analysis Logic and Potential Risks

Investment logic:

1. Paradigm Innovation Narrative
2. Product practicality is leading
3. Early mining profit window

Potential risks:

1. User trust building is still in the early stages.
2. Complex systems overlay security risks
3. The path for token value release is unclear.

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Summary

AgentFi, as the next paradigm of the "AI + DeFi" integration, provides DeFi users with a smart agent solution that requires no monitoring and automatically optimizes performance. Giza, based on the concept of "cognitive finance", has achieved a complete closed loop of AI strategy + non-custodial execution, making it one of the few AgentFi projects that combines deep concepts with practical products. ARMA focuses on optimizing stablecoin yields, has launched on multiple chains, and has integrated mainstream lending protocols, complemented by a structured token incentive mechanism, which exhibits early head mining effects.

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

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