AgentFi: A New Paradigm for Stablecoin Yield

With the increasing variety of stablecoin yield strategies, users face challenges of limited energy and execution efficiency when participating in DeFi activities. AgentFi has emerged as a new paradigm of "AI + DeFi" integration, providing users with an intelligent agent solution that requires no continuous attention and automatically optimizes.

AgentFi is fundamentally different from traditional DeFi or generalized DeFAI projects. Its core feature is that it uses AI Agents as the main execution and decision-making entities to achieve fully automated decision-making and closed-loop execution, rather than simply using AI as an auxiliary tool. AgentFi adopts a "from intent to outcome" paradigm, where users only need to express their goals, and the system can complete strategy formulation and execution.

Currently, there are relatively few AgentFi projects that truly focus on the native DeFi field of cryptocurrency in the market. After screening, we have made a simple classification of the current AgentFi projects:

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

In the field of stablecoin yield optimization, ARMA is a representative project worth paying attention to.

ARMA is a stablecoin yield optimization smart agent launched by Giza, aimed at achieving automated yield maximization for users across protocols. Its core functions include:

• Smart Strategy Scheduling: Real-time analysis of the yields of various protocols, automatically executing optimal rebalancing operations.
• APR Optimization System: Comprehensive consideration of factors such as interest rates and costs to ensure that each operation brings net gains.
• Automatic compound interest mechanism: automatically receive and reinvest incentive tokens
• Smart coin exchange logic: supports dual currency operations with USDC and USDT, flexible coin exchange.

ARMA adopts a three-layer protection mechanism to ensure the safety of user funds:

1. Based on self-custody smart accounts, users have control over their assets.
2. Fine-tune proxy permissions through Session Key
3. Only connect to prudently selected protocols, focusing on stablecoin yield scenarios.

In terms of fees, ARMA only charges a 10% success fee on actual profits generated, with no deposit or withdrawal fees. Users always recover funds in the original deposited tokens.

ARMA has integrated with mainstream lending protocols such as Morpho, Aave, and Fluid. Its official data shows that within a few months of launch, the asset management scale and the number of smart agents have continued to grow. With the integration of more protocols and an increase in active agents, it is expected to further strengthen the positive growth effect.

Giza recently released the complete token economic model. $GIZA is the native asset of its intelligent agent network, possessing utility and long-term value capture ability. Its key designs include:

• Reasonable initial valuation: The initial FDV of TGE is 70 million USD
• Zero Unlock Start: No token unlock for the team and investors at TGE
• Clear token use: for staking validation, permission control, governance, and incentives
• Value Reflow Mechanism: A portion of the income is used for $GIZA buyback or redistribution.
• Dual staking mechanism: both node operators and regular users can stake to earn rewards.
• Progressive governance: Achieving decentralized autonomy in phases.

Giza has also launched the Giza Points system to encourage users, developers, and community members to participate in ecosystem construction. Currently, ARMA is in a high token subsidy phase, where users can earn additional rewards by depositing stablecoins.

Overall, AgentFi represents a new stage of integration between "AI + DeFi," providing users with automated intelligent agent solutions. Although still in its early stages, it has shown promising development prospects. For users willing to experiment with cutting-edge technology, the AgentFi project is worth paying attention to and participating in moderately. Of course, due to its innovative nature, users should still be cautious about diversifying risks and participating rationally.