YZiLabs EASY S3 수료: 25개 프로젝트가 그려낸 AI-Native 금융 시스템 청사진

Original Author: Biteye

Earlier today (Beijing time), @YZiLabs officially unveiled the full lineup of graduates from EASY Residency Season 3. This edition of the accelerator culminated with Demo Day at the Computer History Museum in Mountain View, California. The direction this season was also clearer than any previous one: to restructure the on-chain financial market structure, allowing AI to become a native participant within the financial system.

In the past few years, Crypto AI has largely remained in the stage of "chatbots + token issuance narratives."

However, in this EASY S3, a very noticeable change has emerged: AI has truly begun to possess identities, wallets, and assets, existing as a native participant within the financial system.

In a sense, this season wasn't about incubating "tools." It was about building the on-chain financial infrastructure for the Agent era.

1. AI and Agent Infrastructure

The AI projects this season are no longer just chat interfaces; they are Agent infrastructures equipped with identities, wallets, and decision-making capabilities.

Bank of AI @BAI_AGI Official X (Twitter) XHunt Rank: 14384

[Core]: On-chain account and payment infrastructure for AI Agents.

Bank of AI is building the on-chain account and payment infrastructure for AI Agents. It's not merely an AI relay hub; it constructs infrastructure around payments, identity, and DeFi interactions for AI Agents on-chain, covering modules like x402 Payments, on-chain AI Identity, and Autonomous DeFi. This enables AI Agents to possess verifiable identities, initiate on-chain payments, and participate in DeFi operations.

Brief Tech (brieftech.ai)

[Core]: AI infrastructure for vertical domains embedded in high-value legal workflows.

BriefTech is a LegalTech AI project primarily serving lawyers, dispute resolution teams, and legal professionals. It automates tasks such as bundling, AI-powered indexing, and legal document organization. The project's highlight is its vertical AI application that directly integrates into high-value, high-expertise legal workflows, solving common, time-consuming, and repetitive document processing issues in the traditional legal industry.

Cournot @CournotProtocol

[Core]: Transforming probabilistic AI outputs into verifiable reasoning through "truth discovery."

Cournot addresses a fundamental flaw in AI: model outputs are probabilistic, they cannot self-explain their reasoning process, and are therefore incapable of supporting trust and capital in high-stakes decisions. Cournot's solution coordinates multiple agents in a "truth discovery" process, converting AI conclusions into auditable, structured statements, thus achieving verifiable reasoning. Domains like prediction markets, on-chain governance, and scientific discovery require a ruling layer that replaces "committee guesswork" with verifiable reasoning. As AI begins to participate in prediction markets, governance, and on-chain decisions, the "word of AI" itself needs to be validated.

Functor @FunctorNetwork Official X (Twitter) XHunt Rank: 195698

[Core]: Establishes a programmable security boundary and authorization layer for Agent on-chain actions.

What happens after an Agent gets authorization? The real problem arises when an Agent can operate a wallet: who limits how much it can spend, which contracts it can call, and how to stop losses if something goes wrong? Functor builds a self-custodial authorization layer for Agents: every signature must pass predefined on-chain authorization rules. It's not a wallet; it's a programmable security boundary between Agent actions and asset safety. It has already integrated into Agent workflows for asset management, prediction markets, and DeFi automation.

Taco AI @TacoTradeX Official X (Twitter) XHunt Rank: 165910

[Core]: An AI trading execution interface with a decoupled architecture for the brain, memory, and vault.

Taco AI positions itself as an AI-driven crypto trading execution layer, with the motto "Run Crypto with AI, the Easy Way." It allows users to bypass complex self-custody and cloud infrastructure, directly using AI Agents for trading, prediction, and automated operations. Taco's architecture decouples the brain, sandbox, vault, and memory, solving security issues during Agent execution while preventing "amnesia" in every interaction. If Bank of AI is the account layer and Functor is the authorization layer, then Taco AI resembles the user-facing Agent execution interface.

2. On-Chain Finance

This track is natively embedding traditional TradFi building blocks (prime brokerage, fixed interest rates, unified margin) onto the chain. Once primitives like volatility, fixed income, and prime brokerage are in place, institutional-grade capital and AI automation strategies can truly enter at scale.

LayerV

[Core]: Bringing the trillion-dollar TradFi "volatility market" on-chain.

In recent years, most DeFi users have traded only one thing: direction – up or down. However, in TradFi, the truly massive market is "volatility" itself. LayerV aims to bring this long-missing volatility market on-chain. LayerV's goal is to offer the vast volatility market from TradFi to retail and professional users in a simpler, more liquid, and on-chain accessible way. This is currently one of the highest-barrier and most underdeveloped corners of DeFi.

MARGIN X

[Core]: Building a decentralized prime brokerage liquidity market.

MARGIN X is not just another perpetual DEX; it's an on-chain prime brokerage layer for the BNB Chain ecosystem. On-chain market making has had a rarely discussed problem: a significant portion of market-making inventory relies on off-chain, opaque token lending. MARGIN X aims to natively bring this "prime brokerage" model on-chain, replacing the OTC model with a transparent, composable on-chain alternative. Projects deposit tokens to earn yields, while market makers and traders borrow inventory as needed. All these two-sided hedging paths are integrated into a single, transparent desktop interface.

TermMax @TermMaxFi Official X (Twitter) XHunt Rank: 22952

[Core]: Providing fixed-income infrastructure for institutional digital assets.

TermMax is a fixed-rate DeFi lending protocol designed for users seeking to lock in borrowing costs or lending yields. Its significance lies in bringing the fundamental TradFi primitive of fixed interest rates into on-chain lending scenarios, paving the way for more sophisticated institutional participation.

Möbius @MobiusExchange

[Core]: Creating a unified margin layer for on-chain finance.

What Möbius does can be summarized in one sentence: it brings the unified margin architecture, which enabled the trillion-dollar prime brokerage industry in TradFi, natively on-chain. Through a single self-custodial credit account, users can simultaneously access lending, perpetual contract trading, and deploy DeFi strategies. It aims to solve the problem of collateral being scattered across different platforms, where overall risk is manageable but partial liquidation is unavoidable.

LunarBase @lunarbasex

[Core]: Introducing professional market-making strategies (Prop AMM) to improve liquidity quoting efficiency and order-filling capacity on EVM chains.

LunarBase tackles a direct issue: the liquidity quality on EVM chains lags far behind CEXs, leading to high slippage for large trades and inefficient market making. Its solution involves deploying Prop AMM – a more professional and strategy-oriented liquidity mechanism – onto the EVM, enhancing quoting efficiency and order-filling capacity.

Orbswap @0xorbSwap

[Core]: Enhancing capital efficiency of fragmented stablecoins through an N-dimensional AMM structure.

Stablecoin fragmentation is deepening across issuers, chains, and jurisdictions. The real problem is that the more stablecoins there are, the more fragmented the liquidity becomes. Orbswap uses an N-dimensional AMM to place various stablecoins into a single pool, enabling lower-friction swaps. For traders, wallets, and protocols frequently switching between different stablecoins, this structure significantly boosts capital efficiency.

3. Trading Execution

Trading execution is no longer just about "buying and selling"; it has evolved into a millisecond-level comprehensive competition involving "information acquisition, leverage gaming, and risk hedging." The addition of AI allows ordinary users to access professional-grade, structured yield models.

Nemesis @Nemesisdottrade Official X (Twitter) XHunt Rank: 51669

[Core]: A permissionless on-chain leveraged trading protocol supporting 20x leverage on any asset.

Nemesis is a permissionless on-chain leveraged trading protocol. Its innovative Omni-directional Market Maker (OMM) allows simultaneous swaps, long/short leveraged positions, and liquidity provision within a single liquidity pool, thereby enabling 20x leveraged trading on any on-chain token. This is more than just adding leverage to small-cap coins; more importantly, OMM creates a novel, organic source of on-chain yield for LPs that can be several times higher than peers.

L7 @TradeOnL7

[Core]: A mobile-first, Agent-oriented, multi-market trading terminal and capital acquisition platform.

L7 is a mobile-first, Agent-oriented capital acquisition platform. It's not a simple perpetual exchange but a multi-market trading terminal spanning perpetuals, prediction markets, tokenized stocks, yield products, and RWAs. It treats "trading ability" itself as an asset that can be allocated capital. Traders here convert their skills into funded accounts, while capital providers earn returns through evaluation fees and profit splits.

Newsliquid @newsliquidX Official X (Twitter) XHunt Rank: 9427

[Core]: Event-driven AI trading, turning market events directly into executable orders.

While most traders rely on manually scrolling through tweets and news, AI is already compressing the "information advantage" into millisecond execution advantages. It attempts to compress "news understanding → market impact assessment → trade execution" into a single automated pipeline. Its AI model delves deep into each news event, identifying target assets, reading charts, understanding the order book, and then generating executable trading decisions.

Vibe.fun @vibedotfun

[Core]: A mobile application transforming complex structured derivatives into a minimalist trading experience.

Vibe.fun aims to make DeFi's underdeveloped structured derivative products more intuitive. Focusing on TradFi structured primitives like barrier options, range accruals, and path-dependent yields, it attempts to create a mobile-first, liquidation-free, ultra-short cycle experience that turns complex products into more accessible trading products.

4. Prediction Markets

Prediction markets are expanding from "election betting" into a broader experimental ground for information financialization. Markets are no longer just trading outcomes, but "who gets accurate information first."

Polysights @Polysights

[Core]: An infrastructure layer providing automated intelligence and trading tools for prediction markets.

Prediction markets are evolving from niche tools into a meaningful new asset class. Polysights is the infrastructure layer providing automation, intelligence, and tools for this market. It aggregates and analyzes data from Polymarket, generating probability calculations and trading signals, helping users transform prediction markets from pure gambling into more data-driven decision arenas. This follows the classic "sell picks and shovels during a gold rush" logic: as prediction market volume expands, the value of infrastructure providers compounds.

PokerFi @Pokerfi_gg

[Core]: An on-chain skill-based gaming market turning game outcomes into tradable options.

PokerFi uses a novel primitive to bring poker on-chain: every card in every hand becomes a tradable equity certificate, with the entire game settled using ZK and Merkle trees. It's not just a gaming project; it's a skill-based gaming options market that transforms game results into hedgeable, tradable financial products.

5. RWA and Stablecoins

RWA is moving into deeper waters. Whether it's compliant stablecoins for the Middle East market or Pre-IPO stocks and collectibles, the core remains "liquidity release under compliance."

Isaac @getusdi 

[Core]: Building a neobank rail for the global Muslim market. Isaac aims to build a USD neobank rail serving the global Muslim market. Its key differentiating weapon is its proprietary interest-free stablecoin, USD-i. Instead of layering an interface over an existing stablecoin, it controls the issuance of the underlying monetary tool, thereby constructing a full-stack compliant financial system from stablecoins and savings to payments.

Openstocks @openstocks_hq 

[Core]: Creating a platform for tokenizing, trading, and yielding Pre-IPO stocks. Openstocks transforms illiquid, locked-up Pre-IPO stocks into yield-bearing tokenized assets. Compliance is handled via Cayman Islands offshore structures, assets are 1:1 backed by real Pre-IPO collateral, and a dedicated risk engine monitors liquidation and collateral ratios.

Renaiss @renaissxyz Official X (Twitter) XHunt Rank: 9464 [Core]: Providing transparent valuation and global liquidity rails for the physical collectibles market. Renaiss targets a more consumer-oriented, deeper RWA track. The $500 billion physical collectibles market has long suffered from illiquidity, opaque valuations, and difficulties in authentication and custody. Renaiss attempts to make non-standard assets like art toys, trading cards, and art truly liquid through on-chain settlement, authenticity verification, provenance tracking, and global market access.

6. Privacy and Compliance

Privacy is no longer the enemy of compliance, but a prerequisite for institutional entry. Accountable Privacy will be the standard for large on-chain transactions in the future.

SilentSwap @SilentSwap Official X (Twitter) XHunt Rank: 92229

[Core]: A cross-chain Swap balancing privacy, compliance requirements, and non-custodianship.

SilentSwap is a non-custodial, compliance-oriented cross-chain privacy Swap. It finds a more usable balance between these three often mutually exclusive conditions: privacy, compliance, and non-custodianship. Its approach is similar to 0xBow's direction but places greater emphasis on non-custodial privacy and cross-chain swap experience during the transaction process.

0xBow @0xbowio Official X (Twitter) XHunt Rank: 9488

[Core]: Privacy Pools enabling coexistence of private transactions and self-proof of fund compliance.

In the crypto world, privacy and compliance have long been seen as opposites. 0xBow's Privacy Pools architecture is designed to