AgentFi to XenoFi: A New Paradigm for Stablecoin Yields

The yield strategies for stablecoins are becoming increasingly diverse, but users' attention and execution efficiency are limited. 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

DeFAI and AgentFi are both in the "AI + DeFi" intersection, but their technological essence, product forms, and paradigm missions are completely different:

• DeFAI: Tools and applications 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.

• AgentFi: Build a financial system with on-chain AI agents as the primary executors. Agents can autonomously reason, make decisions, and complete transactions or governance operations. It adopts the "from intention to result" paradigm.

Currently, there are very few AgentFi projects that truly focus on the Crypto Native DeFi world. They can be mainly divided into the following categories:

1. Stablecoin Yield Optimization
2. Strategy Combination/Liquidity Mining
3. On-chain transaction execution type

Stablecoin Yield Optimization in AgentFi

Stablecoin yield optimization is not new in the DeFi world. From the early Yearn Finance automated yield aggregator to the institutional-focused Gauntlet professional risk modeling and protocol-level yield optimization platform, all belong to the automated yield optimization projects prior to AgentFi.

AgentFi has initially achieved a fusion of Crypto and AI: AI empowers users to better participate in the DeFi world through on-chain information collection and decision-making capabilities, while utilizing the immutability of blockchain to ensure that 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" and is dedicated to promoting the emerging paradigm of Agent-native Finance. As one of the earlier projects in the ZKML track to achieve a complete closed loop of "on-chain intelligent agents + verifiable execution + AI scheduling", Giza introduces the concept of Xenocognitive Finance.

The Giza Protocol architecture consists of 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.

Giza has completed two rounds of financing, demonstrating the capital market's continued optimism about its vision in the "AI + DeFi" field.

ARMA: Stablecoin Yield Optimization Agent

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

The main features of ARMA include:

• Intelligent Strategy Scheduling
• APR Optimization System
• Automatic Compounding 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, and risk management system.

The fee mechanism is transparent and efficient, charging a 10% success fee only on the actual profits generated. Rewards are automatically collected and distributed uniformly, without the need for manual operation by users.

Core Positioning and Incentive Mechanism of Token

$GIZA is the native asset of the Giza smart agent network, featuring instant utility and long-term value capture capability. Key designs include:

• Reasonable initial valuation
• Zero Unlock Start
• The product has been launched.
• The purpose of the token is clear
• Incentives and security are bound
• Value Reflow Mechanism
• Community-oriented distribution
• Dual Staking Mechanism
• Time-Weighted Design
• Incremental Governance

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

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. The superposition of security risks in complex systems
3. The release path of token value is unclear.

Summary

AgentFi, as the next paradigm of the "AI + DeFi" integration, provides DeFi users with a smart agent solution that does not require constant monitoring and automatically optimizes. Giza, based on the concept of "heterocognitive 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.

AgentFi is still in its early stages, and user trust, execution stability, and the token value capture mechanism need further validation 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 first voice and opportunity of the agent financial era.