Financial Agents: the Future of Finance with Giza

Financial agents: toward user-centric finance

Overview

What if your money worked for you 24/7 without you having to press a button? In this MERGE Madrid talk, Giza presents its vision of the future of finance: financial agents that automate investing at scale, manage complexity for you, and let you move from product-centric to user-centric finance.

What you'll learn

• What financial agents are: entities that execute, analyze data and decide for you 24/7
• Why now: “outdated” markets, users and interfaces versus today's technology
• The stablecoin challenge: how to navigate an increasingly saturated ecosystem
• The Arma agent: how it automatically hunts the best yield in DeFi
• From product to user: defining financial objectives instead of thinking about assets
• Time and wealth: the idea of delegating to gain in both “currencies of life”

Session summary

What Giza does: it presents Giza's agents, which automate finance at scale; according to the talk, they have moved more than 3 billion dollars in volume, account for around 3% of activity on the Base ecosystem and have executed more than half a million transactions (figures provided by the company).

Why they are needed: it argues that markets are outdated, that we as users cannot compete with them (we sleep, we can't process large volumes of data, we react too late) and that current interfaces don't respond intuitively.

First use case, stablecoins: it shows how complex the stablecoin ecosystem is today and the difficulty of answering “how do I invest in stablecoins?” as new yield options keep appearing.

The Arma agent: it presents Arma, an agent that manages that complexity: the user deposits capital and the agent continuously hunts the best yield in DeFi without them doing anything; the speaker shares his personal experience as an example (not as guaranteed returns).

User-centric finance: it advocates a paradigm shift in financial experience, from thinking about assets (when do I buy BTC or ETH?) to dictating objectives (for example, what percentage in “risk-free” assets or in an index) and letting agents execute within defined policies.

The vision: it describes a future of “financial flows” in which the user delegates to a “companion” that works their capital, maximizing the two “currencies of life”: wealth and time.

Watch the full talk

Watch the full recording on MERGE's YouTube channel, with Giza on financial agents and the future of finance.

FAQs

What is a financial agent?
According to the talk, it is a software entity that executes operations, analyzes data and makes investment decisions for the user continuously, within defined policies.

What is Arma?
It is Giza's agent for stablecoins: the user deposits capital and the agent automatically hunts the best yield in DeFi without manual intervention.

What does moving from “product” to “user” finance mean?
That instead of deciding each asset, the user defines their financial objectives and the agents execute them on their behalf.

Is this investment advice?
No. This content is informational and summarizes what was presented in the talk; the figures and personal experience cited are not a guarantee of returns and do not constitute investment advice. Consult a professional for your specific situation.