All-in-one AI agent for DeFi: Yield Farming & Credit Line Management
Tezoro builds AI agents that automate DeFi interactions, providing a 10x better user experience through full automation, higher yield and better loan conditions through aggregation, and lower risks through a proprietary AI engine for risk management.
Benefits for MetaMask Card and Circle:
Retention and loyalty - an AI agent for interacting with DeFi is not only good marketing, but also something that makes customers' lives calmer (avoids liquidation and other risks) and more profitable (generates yield and automatically maintains the desired balance).
Yield farming can deliver much higher APR than neobanks like Revolut and Nubank = TVL growth.
Increased USDC spending and adoption through autonomous borrowing and credit line management.
Competitive / marketing advantage - no other card issuer automates DeFi yield optimization, risk management and credit line management, especially using AI engine.
A powerful revenue stream - gas-free yield farming and unique credit line management create great opportunities for collecting both service and/or performance fees.
Tezoro AI agent is running on Base, aggreagates Aave, Compound, Venus and Morpho, and uses MetaMask SDK.
Problem | Solution: AI agent |
|---|---|
DeFi is complex – steep learning curve blocks new users. | AI agent fully automates DeFi protocol interactions (lending, borrowing, rebalancing), delivering a 10x better DeFi experience. |
DeFi is fragmented – dozens of chains and protocols, hundreds of assets = it’s exhausting to find and compare best rates. | AI agent aggregates multiple protocols, finds the highest rates (APY) for each of your assets and distributes them. |
DeFi protocols have floating APY (sometimes over 20% on USDC), however it is not possible to manually rebalance between protocols to catch these rates. | AI agent monitors APY shifts across these protocols and autonomously rebalances assets to capture the best rates. This approach provides a 60% higher APR than the top 5 protocols average while maintaining the same (or even lower) level of risk. |
The crypto market is very volatile - you can get liquidated at any time, for example, while you are sleeping. | Agent monitors the health factor of your loan, maintains it at the required level by paying interest on the loan from the farmed yield or by adding collaterals = autonomously avoids liquidation so you can sleep well. |
DeFi protocols have risks of TVL collapse, fraud, etc. | Tezoro uses a proprietary AI engine that comprehensively analyzes risks based on volatility, usage, TVL, and other factors in both lending protocols and liquidity pools on DEXs. If something goes wrong, the AI agent will immediately withdraw your assets so that you do not lose money. |
If you are a MetaMask Card holder, you need USDC for everyday spending. However, it is a pain to constantly borrow more USDC: search for the best rates across many protocols, maintain this loan, etc. | AI agent performs auto-borrowing & credit line management for you: it keeps your USDC between your chosen range (e.g. 500–1 000 USDC), so you always have funds ready for spending without manual intervention. This feature increases USDC spending, adoption and delivers a unique experience for MetaMask Card users, even better than neobanks such as Revolut or Nubank. |
Different users have different risk tolerance and preferences. | You can customize your agent as you like: specify multiple different assets at once, use them for yield farming and borrowing simultaneously or separately, choose your risk level (protocols) for yield farming, set up recurring loans, and more. The AI agent will not only perform all these actions, but will also autonomously take care of the risks. |
No gas fees | AI agent covers all gas costs during rebalancing for yield farming and credit line management. |
About 90% of the features were developed during the hackathon: yield farming, credit line management, AI risk management.
Tezoro has been awarded grants by MetaMask DAO, Arbitrum Foundation, and ElizaOS. Tezoro has also raised angel investments from tier-1 backers — including founders and executives of 1inch, Balancer, Zerion, and Fireblocks.