AgentFi: A New Paradigm for Stablecoin Yields

Against the backdrop of increasingly rich stablecoin yield strategies, AgentFi, as a new paradigm of the fusion of AI and DeFi, provides users with an intelligent agent solution that automatically optimizes without the need for constant monitoring.

The main difference between AgentFi and DeFAI is that AgentFi uses AI agents as the primary decision-making and execution vehicle, fully automating decision-making and closed-loop execution. In contrast, DeFAI uses AI as an auxiliary tool for data analysis and strategy enhancement.

Currently, there are very few AgentFi projects that truly focus on the crypto-native DeFi world. After screening, we have categorized the existing AgentFi projects into three types:

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

In the field of stablecoin yield optimization, ARMA is currently the project with the highest product availability.

ARMA is a stablecoin yield optimization smart agent launched by Giza, designed to achieve automated yield maximization across protocols. Its main features include:

• Smart Strategy Scheduling: Real-time analysis of each protocol's yield, automatically executing optimal rebalancing operations.
• APR Optimization System: A comprehensive assessment of interest rates, costs, and other factors to ensure that each operation yields a net profit.
• Automatic Compound Interest Mechanism: Automatically receive and reinvest incentive tokens
• Smart coin exchange logic: supports dual currency operations of USDC and USDT, automatically and efficiently exchanges coins when necessary.

ARMA ensures the safety of user funds through a three-layer mechanism of smart accounts, access control, and risk management. Its fee structure charges a success fee of 10% on profits, with no deposit or withdrawal fees.

ARMA has currently integrated with mainstream lending protocols such as Morpho, Aave, and Fluid, and its asset management scale continues to grow.

Giza has just announced the complete token economic model. $GIZA is the native asset of the Giza Smart Agent Network, featuring utility and long-term value capture capabilities. Its main characteristics include:

• Reasonable initial valuation: The initial FDV at TGE is $70M
• Zero unlock launch: The team and investors have no token unlock at TGE.
• Clearly define the purpose of the token: for staking validation, access control, governance, and incentives
• Value Reflow Mechanism: A portion of the revenue is used for $GIZA buybacks or redistribution.
• Dual staking mechanism: node operators and regular users can stake to earn rewards
• Time-weighted design: The longer the staking time, the higher the rewards and weights.

Giza has also launched the Giza Points System as one of the bases for future native incentive distribution. Currently, ARMA is in a high subsidy phase, where users can earn a fixed annualized return of 15% and additional token rewards by depositing.

AgentFi, as an emerging paradigm, provides DeFi users with an intelligent agency solution that automates optimization without the need for constant monitoring. However, it is still in the early stages, and aspects such as user trust and execution stability still require further market validation. For users who value product prospects, AgentFi may represent an opportunity in the era of intelligent financial agents.