Tezoro
AI agent that fully automates your DeFi experience: from yield farming to credit line management
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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.
Summary:
✅ Real world relevance: Tezoro AI agent fully automates interaction with DeFi protocols, providing seamless access to DeFi yield, loans at the most favorable rates and automated liquidation avoidance. A detailed table of customer problems and AI agent solutions is below.
✅ Creativity & Originality: Tezoro AI agent is the world's first agent that actually works on the mainnet and does everything from yield farming to credit line management. The agent will significantly lower the entry threshold into DeFi, since now you don’t need to understand how it works - it will find the best conditions among all protocols and will manage your assets for you. Tezoro has also developed a proprietary AI engine that analyzes protocol / pool / asset risk, so the agent will withdraw your assets faster than anyone else if something goes wrong.
✅ Functionality: Tezoro AI agent runs on Base mainnet, supports multiple protocols (Aave, Compund, Venus, Morpho) and manages real assets of our early adopters. USDC is available for yield farming and as the only borrowable asset. Backtests show that Tezoro AI agent shows 60% higher APY p.a. than the top 5 protocols average, while maintaining the same (or even lower) risk level.
✅ User Experience: Tezoro AI agent provides end-to-end user experience: MetaMask SDK wallet connection, asset selection, risk customization for yield farming, USDC loan setup (one-time and recurring loan), on-chain agent deployment, allowance issuance, autonomous asset allocation and position management across all protocols and assets in a single dashboard. Our early customers - the founder of Zerion wallet and engineers from 1inch, MetaMask, Consensys, etc. - rate the UX very highly.
✅ Potential Impact & Scalability: Tezoro AI agent is able to bring a true neobank experience to the MetaMask card, providing 10x better user experience and higher yield than any neobank - Revolut, Monzo, Nubank, etc. Tezoro AI agents will also have a positive impact on the entire DeFi industry, as adding assets to DeFi protocols has never been so seamless. The democratization of the DeFi experience will definitely have a significant impact on TVL growth.
✅ Team: The Tezoro team includes ex-ML engineers at hedge funds with $100M daily turnover, champions of national-scale mathematical, physical and robotics Olympiads and former team leads at major DeFi projects. The entire team is committed to continue development: connecting more platforms, networks, improving architecture, security and user experience.
✅ Security: Tezoro AI agents are smart contracts and the entire service is non-custodial. Each user is the owner of his/her agent (contract) and can interact with the agent on-chain without the Tezoro interface. The contract's capabilities are limited to interaction (supply / withdraw) with whitelisted (immutable) protocols and cannot do anything else. Tezoro has also developed a proprietary AI engine that evaluates pools and protocols by multiple parameters (TVL, volatility, etc.) - if something goes wrong, the Tezoro AI agent will be the first to close the position and withdraw assets.
👉🏻 Try our AI agent yourself: https://dev.tezoro.io/
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. |
Users don't like to pay for gas and they don't always have a token to pay for gas. | AI agent covers all gas costs during rebalancing for yield farming and credit line management. |