AgentFi as the next stage paradigm of "AI + DeFi" fusion provides intelligent agent solutions for DeFi users that do not require constant monitoring and offer automatic optimization.
Written by: 0xjacobzhao and ChatGPT 4o
The Stablecoin Yield Guide written last month, which detailed eight stablecoin income models, became a recommended reading for multiple Chinese media outlets in April and generated significant influence in the Chinese Crypto circle. Many stablecoin teams contacted me, providing new information, perspectives, and viewpoints. Most projects could still be summarized into the existing eight income models, but excitingly, I discovered a new stablecoin income paradigm emerging: AgentFi.
[The rest of the translation follows the same principle, maintaining technical terms and proper nouns as specified in the original instructions, while translating the general text to English.]
In July 2023, Giza announced the completion of a $3 million Pre-Seed round, led by CoinFund, with participation from StarkWare, TA Ventures, and Arrington Capital (founded by TechCrunch's founder). Angel investors include Rand Hindi and Julien Bouteloup. In May 2025, Giza completed a $2.2 million seed round, led by Base Ecosystem Fund, with follow-on investments from CoinFund, Arrington Capital, Re7 Capital, and Contango Digital Assets. These two funding rounds demonstrate the capital market's continued optimism about Giza's vision in the "AI + DeFi" domain.
IV. Representative Product ARMA: Stablecoin Yield Optimization Agent
ARMA (Autonomous Revenue Management Agent) is a stablecoin yield optimization smart agent launched by Giza, aimed at achieving automated cross-protocol yield maximization for users. Currently deployed on the Base network, it plans to expand to more Layer2 ecosystems, supporting mainstream lending protocols such as AAVE, Morpho, Compound, and Moonwell.
4.1 ARMA Mechanism Overview
- Smart Strategy Scheduling: Real-time analysis of stablecoin yields (APR), transaction costs, and rebalancing timing across protocols, automatically executing optimal rebalancing operations.
- APR Optimization System: Through comprehensive optimization of interest rate comparison, cost assessment, and rebalancing logic, ensuring net positive returns for each operation; actual testing shows annual yields can reach up to 2 times that of traditional static holdings.
- Automatic Compound Mechanism: Automatically claim and reinvest incentive tokens, converting rewards to original stablecoins; compound frequency dynamically optimized based on position size and transaction costs to enhance efficiency.
- Smart Currency Conversion Logic: Supports USDC and USDT operations, automatically and efficiently exchanging currencies through integrated DEX when necessary, ensuring users can always withdraw assets in the original currency, enhancing flexibility and experience.
4.2 ARMA Component Modules and Security Architecture Overview
The Giza Agent architecture consists of six modules: Smart Accounts, Session Keys, Agent Core, Protocol Integration, Risk Module, and Accounting Module, collectively building a secure, efficient, intelligent, and verifiable on-chain automated execution system.
Simultaneously, ARMA ensures user fund and operation safety through a three-layer protection mechanism:
- Smart Account Security: Based on self-custodial smart accounts, users always maintain asset control rights, with Giza unable to access private keys; contracts are audited and support flexible permission management.
- Access Control Mechanism: Precisely set agent permissions through Session Keys, limiting specific protocols, operation types, and validity periods to avoid full authorization risks.
- Risk Management System: Only integrating carefully selected protocols, focusing on stable yield scenarios; transactions are fully traceable, ensuring operational transparency and auditability, enhancing overall system security.
4.3 ARMA Fee and Revenue Management
ARMA's fee and revenue mechanism focuses on user-friendliness and transparent efficiency, covering three main aspects:
- Fee Structure: Performance-based fee, transparent and verifiable, charging only 10% success fee on actual generated yields. This fee is settled upon user withdrawal, with all fee calculations viewable in real-time through the dashboard.
- Reward Management: Automatic collection and distribution, with the ARMA agent automatically collecting and consolidating rewards from integrated DeFi protocols, to be returned with principal and earnings during user withdrawal.
- Asset Management: ARMA charges no deposit or withdrawal fees. Regardless of the number of protocols or tokens involved, users always recover funds in the original deposited token upon withdrawal, ensuring fund recovery convenience.
4.4 ARMA's DeFi Protocol Integration and Performance Data
Through ARMA's official metrics dashboard (metrics.gizatech.xyz), we can observe the continuous growth of asset management scale and smart agent numbers within months of launch. The dashboard also displays dynamic asset flows across mainstream lending protocols like Morpho, Aave, and Fluid. We believe that as ARMA integrates more DeFi protocols, increases active agent numbers, and expands fund scale, it will further strengthen its positive growth flywheel effect.
V. Token Core Positioning and Incentive Mechanism
Giza has just officially announced the complete token economic model details, with Token Generation Event (TGE) becoming a notable milestone. $GIZA is the native asset of the Giza Smart Agent Network, featuring immediate utility, long-term value capture ability, and designed with core principles of community priority, product-driven approach, and mechanism restraint.
[The rest of the translation follows the same approach, maintaining technical terms and preserving the original structure and meaning.]
Giza has built a growth flywheel driven by the interaction of agent utility, usage, token value,, and ecosystem participation: Smart agents enhance user fund management and strategy execution efficiency, driving more DeFi operations and protocol interactions, generating sustainable income flow back to stakers, enhancing $GIZA token value, attracting more nodes and developers, further expanding the agent network capabilities, ultimately achieving a positive cycle of "more usage → higher value → stronger security → broader capabilities", promoting Giza as a scalable and trustworthy Agent-native financial infrastructure.
Giza Token Governance Mechanism and Community Participation Design Design
Giza's governance mechanism adopts a phased evolution model, combining professional committees and community representative systems to ensure the protocol gradually achieves decentralization on a foundation of safety and stability. Initially led by a security committee, with community providing opinions through voting and mid-term opening key issues to-; ultimately achieving governance by a professionally elected committee. Token holders can delegate delegate representatives with technical or economic backgrounds to participate in decision-making, and through a time-weighted staking mechanism enhance voting influence, encouraging long-term participation and shared responsibility, creating a safe, efficient, professional, democratic and.
VI. Investment Analysis Logic and Potential Risks
The author encountered the Giza team during ETHcc in Paris in, with Giza initially entering the market through the ZKML concept, subsequently evolving into an AgentFi project with more engineering implementation and DeFi scenario practicality in 2024. After extensive research and careful assessment of mainstream stablecoin yield projects and emerging AgentFi projects, we can still consider Giza's ARMA as one of the few AgentFi projects with genuine product refinement and on-chain execution closure. This "product-before-token" path stands in sharp contrast to the MEME coins in the DeFAI trend that are concept-heavy, lacking utility, and ultimately evolving into "air tokens. At the same time, we must acknowledge that Agcompared to other other stablecoin asset interest-earning channels, the AgentFi model remains extremely early, with protocols yet to be validated through a complete market cycle, still in the "early pioneer" stage with high volatility and experimental characteristics. For DeFi Degen users accaccustomed to exploring frontier opportunities, they may try a portion of stablecoin assets, but still need to pay attention to risk diversification.
Investment Logic
Paradigm Innovation Narrative: The Giza project is at the intersection of AgentFi, ZK, and AI technologies, uniquely creating the "Xenocognitive Finance" theory, proposing a future financial of "cognitive offloading" through on-chain agents, possessing a clear first-mover advantage in concept and philosophical depth.
Product Utility Leadership: The ARMA launched by Giza is one of the few AgentFi products currently on the market that has been launched and achieved automated agent execution closure, with product experience superior to most projects still in the conceptual stage or purely token-driven "air projects".
Early Pioneer Yield Window:Ablcoin yields inherently have a risk attributes under protocol security,, coupled with the token subsidy mechanisms currently provided by ARMA, offering early participants a "pioneer" opportunity.
<>confidence User Trust Building Still Early: The AgentFi model is the stage trust in on-chain AI agents remains limited in fund custody and strategy execution transparency, with><>Value Path Current market is speculation-driven, with token performance more dominated by sentiment and liquidity. The Is not speculation-style, and the $'S giza token's incentive structure staking ing mechanism, feedback model still requires further market verification, higher requirements for long investors.
Summary
Of course, we clearly recognize thatentFisF is an extremely early stage, with user trust, execution stability stability, and token value capture mechanisms awaiting further market verification. But precisely because of this, for users and builders who product prospects and are willing to layout paradigm transformation early dividends, AgentF,Fentent,, especially LikeIza/ARMAGIZA/ARMA, may represent represent the agent financial era's first sound and opportunity.
