AgentFi and XenoFi: A New Paradigm for Stablecoin Yields

As the yield strategies for stablecoins become increasingly diverse, users face limitations in energy and execution efficiency. Against this backdrop, AgentFi, as a new paradigm of "AI + DeFi" integration, offers DeFi users a smart agent solution that requires no constant attention and automatically optimizes.

AgentFi differs from traditional DeFi or generalized DeFAI projects in that its core feature is: the AI Agent serves as the main executor and decision-making entity, capable of fully automated decision-making and closed-loop execution, rather than merely acting as a supplementary tool for data analysis and strategy enhancement.

Currently, there are still relatively few AgentFi projects that truly focus on the native DeFi world of Crypto in the market. Through extensive research and screening, we have categorized and rated the current major AgentFi projects, which mainly include three categories: stablecoin yield optimization, strategy portfolios/liquidity mining, and on-chain trading execution.

In the field of stablecoin yield optimization, the ARMA ( Autonomous Revenue Management Agent ) launched by Giza is a project worth noting. ARMA aims to achieve automated yield maximization for users across protocols, has been deployed on the Base network, and supports multiple mainstream lending protocols.

ARMA provides users with efficient stablecoin yield management services through features such as intelligent strategy scheduling, APR optimization system, automatic compound interest mechanism, and intelligent coin exchange logic. Its security architecture includes a three-layer protection mechanism of smart accounts, access control, and risk management, ensuring the safety of user funds and operations.

ARMA adopts a transparent fee structure based on returns, automatically manages various rewards, and ensures that users can withdraw assets in the original coin type. Through the official data dashboard, we can observe the continuous growth in asset management scale and the number of smart agents since ARMA went live.

Giza recently released a complete tokenomics model, including a reasonable initial valuation, zero unlock launch, clear token usage, and a dual staking mechanism design. At the same time, it launched the Giza Points System to encourage users, developers, and community members to participate in ecosystem building.

Although the AgentFi model is still in its early stages and faces challenges such as building user trust, system security, and token value release, it represents a new paradigm in the next phase of the "AI + DeFi" integration. It offers DeFi users an intelligent agent solution that automatically optimizes without the need for continuous attention, signifying new opportunities in the era of intelligent finance.