AgentFi to XenoFi: A New Paradigm for Stablecoin Yield

Last month, we provided a detailed introduction to the yield generation models of eight mainstream stablecoins. After communicating with several stablecoin project teams, I discovered an exciting new paradigm is emerging: AgentFi.

AgentFi differs from traditional DeFi or generalized DeFAI projects in that its core feature is: AI agents serve as the main executors and decision-makers, capable of fully automated decision-making and closed-loop execution, rather than merely being auxiliary tools. AgentFi adopts the "from intention to result" paradigm, where users only need to express their goals, and the system can complete the strategy formulation and execution.

Currently, there are relatively few projects focusing on the crypto-native DeFi world, such as AgentFi. After screening, we can simply categorize the current AgentFi projects in the market into three main types: stablecoin yield optimization, strategy combinations/liquidity mining, and on-chain trading execution.

In the field of stablecoin yield optimization, Giza's ARMA( Autonomous Revenue Management Agent) is a representative product. ARMA has been deployed on the Base network, supporting mainstream lending protocols such as AAVE and Morpho.

The core functions of ARMA include:

• Smart Strategy Scheduling: Real-time analysis of yield rates across protocols, automatically executing optimal rebalancing operations
• APR Optimization System: Comprehensive consideration of interest rates, costs, and timing of rebalancing to ensure that each operation brings net gains.
• Automatic compound interest mechanism: automatically receive and reinvest incentive tokens, dynamically optimize compounding frequency
• Smart coin exchange logic: supports dual currency operations with USDC and USDT, automatically and efficiently exchanges coins when necessary.

ARMA ensures the safety of user funds through a three-layer protection mechanism: based on self-custody smart accounts, fine-grained permission control with Session Key, and a prudent risk management system.

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

Currently, ARMA is in the high subsidy phase of the launch period, where users can receive a fixed annualized return of 15%. Additionally, early users can also receive extra $GIZA token rewards.

Giza has built a growth flywheel driven by the utility of agents, protocol usage, token value, and ecological participation. In the future, as more protocols are integrated and the scale of funding expands, this positive cycle is expected to be further strengthened.

Although the AgentFi model is still in its early stages and poses risks such as user trust and system security, DeFi users willing to explore cutting-edge opportunities may consider using a portion of their stablecoin assets for experimentation. AgentFi represents the next phase paradigm of the integration of "AI + DeFi," providing users with an intelligent agent solution that requires no monitoring and automatically optimizes, making it worthy of ongoing attention.