AgentFi: A New Paradigm for Stablecoin Returns

With the increasing variety of stablecoin yield strategies, users face limitations in energy and execution efficiency. As a new paradigm of "AI + DeFi" integration, AgentFi provides DeFi users with an intelligent agent solution that requires no monitoring and optimizes automatically.

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

Currently, there are very few AgentFi projects that truly focus on the native DeFi world of cryptocurrency. After screening, we have classified and rated the main AgentFi projects available.

Stablecoin Yield Optimization Type:

• ARMA: ★★★★★
• Carbonbot: ★★★★☆
• Blueberry: ★★★☆☆

Strategy Portfolio / Liquidity Mining Type:

• Puffer Finance: ★★★★☆
• Beam: ★★★★☆
• Arcadia Finance: ★★★☆☆

On-chain transaction execution type:

• Magpie: ★★★★☆
• Avantis: ★★★★☆
• Instadapp: ★★★☆☆

As a representative in the field of stablecoin yield optimization, ARMA was launched by Giza and aims to achieve automated yield maximization across protocols. It has been deployed on the Base network and supports major lending protocols such as AAVE and Morpho.

The core functions of ARMA include:

• Smart Strategy Scheduling: Real-time analysis of various protocols' yields and costs, automatically executing optimal rebalancing.
• APR Optimization System: Comprehensive interest rate comparison, cost assessment, ensuring maximum net returns.
• Automatic Compound Interest Mechanism: Automatically receive and reinvest rewards, dynamically optimize compounding frequency
• Smart exchange logic: supports dual currency operations with USDC and USDT, automatically and efficiently exchanges coins when necessary.

ARMA protects user funds with three layers of security:

1. Smart Account Security: Based on self-custody accounts, users control the asset private keys.
2. Access Control Mechanism: Refine agent permissions through Session Key
3. Risk Management System: Carefully select protocols, with full traceable auditing throughout the operation.

In terms of fees, ARMA only charges a 10% success fee on actual profits generated, with no deposit or withdrawal fees. Rewards are automatically received and distributed uniformly, and users can withdraw their original coins.

Currently, ARMA has managed over $30 million in assets and supports mainstream lending protocols such as Morpho, Aave, and Fluid. As more protocols are integrated and active agents increase, its positive growth flywheel effect will be further enhanced.

Giza recently announced the $GIZA token economic model, with an initial TGE FDV of $70 million. The token design principles include:

• Zero unlock launch: No token unlock for the team and investors at TGE.
• Clear purpose: for staking validation, permission control, governance, and incentives
• Value Reflow: A portion of the income is used for $GIZA repurchase or redistribution
• Community-oriented: Prioritized allocation to real users and participants
• Dual Staking: Node operators and regular users can both stake to earn rewards.
• Time-weighted: The longer the staking time, the higher the rewards and weight.

Giza has also launched the Points System, encouraging users, developers, and community members to participate in ecological construction over the long term. Currently, ARMA is in a high subsidy period, where users can receive a fixed annual return of 15% along with additional token rewards.

Overall, AgentFi represents a new stage in the integration of "AI + DeFi", providing users with an intelligent agent solution that requires no monitoring and automatically optimizes. However, this field is still in its early stages, and the security of the protocol and the value of the token await market validation. For users willing to stake early in the new paradigm's dividends, AgentFi may represent the first mover advantage in the era of agent finance.