YZiLabs EASY S3 Kết thúc: 25 dự án vẽ nên bức tranh toàn cảnh về Hệ thống Tài chính AI-Native

Original Author: Biteye

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

In the past few years, Crypto AI has mostly remained in the "chatbot + token narrative" stage.

But with this EASY S3, an obvious change is that AI is beginning to truly possess identities, wallets, and assets, existing as a native participant within the financial system.

In a sense, this season was not about incubating "tools." It was about building the on-chain financial infrastructure for the age of autonomous agents.

I. AI and Agent Infrastructure

AI projects this season are no longer just chat interfaces, but Agent infrastructure possessing identities, wallets, and decision-making capabilities.

Bank of AI @BAI_AGI Official 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 just an AI relay; it builds infrastructure around AI Agent payments, identity, and DeFi interactions on-chain, covering modules like x402 Payments, on-chain AI identity, and Autonomous DeFi. This allows AI Agents to have verifiable identities, initiate on-chain payments, and participate in DeFi operations.

Brief Tech (brieftech.ai)

[Core]: AI infrastructure for the vertical domain of high-value legal workflows.

BriefTech is a LegalTech AI project primarily serving lawyers, dispute resolution teams, and legal professionals. It can automate bundling, provide AI-powered indexing, and organize legal documents. The project's highlight is its position as a vertical AI application, directly embedded into high-unit-price, high-specialization legal workflows, solving high-frequency, time-consuming, and repetitive document processing tasks in the traditional legal industry.

Cournot @CournotProtocol

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

Cournot addresses a fundamental flaw in AI: model outputs are probabilistic, unable to self-verify reasoning processes, let alone carry trust and capital in high-stakes decisions. Cournot's solution coordinates multiple agents for "truth discovery," transforming AI conclusions into auditable, structured statements, enabling verifiable reasoning. Prediction markets, on-chain governance, and scientific discovery need an arbitration layer that uses verifiable reasoning to replace "committee guessing." As AI begins participating in prediction markets, governance, and on-chain decisions, "AI's say-so" itself also needs verification.

Functor @FunctorNetwork Official XHunt Rank: 195698

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

What happens after an Agent gets authorization? The real problem is, once 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 creates a self-custodial authorization layer for Agents: every signature must pass pre-defined on-chain authorization rules. It's not a wallet, but a programmable security boundary between Agent actions and fund safety. Agent workflows for asset management, prediction markets, and DeFi automation are already connected.

Taco AI @TacoTradeX Official XHunt Rank: 165910

[Core]: An AI trading execution gateway with a decoupled architecture for 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, predictions, and automation. Taco's architecture decouples the brain, sandbox, vault, and memory, solving security issues during Agent execution and preventing "amnesia" in every interaction. If Bank of AI is the account layer and Functor is the authorization layer, Taco AI is more like the user-facing Agent execution gateway.

II. On-Chain Finance

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

LayerV

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

In recent years, most DeFi users have essentially only traded "direction"—up or down. But in TradFi, the truly massive market is "volatility" itself. What LayerV aims to do is 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 one of the highest-barrier, most underdeveloped corners of DeFi today.

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. In the past, on-chain market making has had a rarely discussed issue: a large portion of market-making inventory relies on off-chain, non-transparent token lending. MARGIN X aims to natively bring this "prime brokerage" model on-chain, replacing the OTC model with transparent, composable on-chain prime brokerage. Projects deposit tokens to earn yields; market makers and traders borrow inventory as needed. Both hedging paths are integrated into a single, transparent desktop interface.

TermMax @TermMaxFi Official XHunt Rank: 22952

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

TermMax is a fixed-rate DeFi lending protocol for users looking to lock in borrowing costs or yields. Its significance lies in bringing the very basic TradFi primitive of fixed interest rates into the on-chain lending space, laying the groundwork for more mature institutional participation.

Möbius @MobiusExchange

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

In a nutshell, Möbius is natively bringing the unified margin architecture that created the trillion-dollar prime brokerage industry in TradFi onto the chain. Through a single self-custodial credit account, users can simultaneously engage in lending, perpetual contract trading, and DeFi strategy deployment. It solves the problem of collateral being scattered across different platforms, where overall risk is manageable but local forced liquidations occur.

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 problem: the liquidity quality on EVM chains is vastly different from CEXs, leading to high slippage for large trades and low market-making efficiency. Its solution is to deploy Prop AMM, a more professional, market-maker-like liquidity mechanism, onto the EVM to improve 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 more stablecoins lead to *more* fragmented liquidity. Orbswap uses an N-dimensional AMM to pool various stablecoins together for lower-friction swaps. For traders, wallets, and protocols frequently switching between different stablecoins, this structure significantly enhances capital efficiency.

III. Trading Execution

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

Nemesis @Nemesisdottrade Official XHunt Rank: 51669

[Core]: Permissionless on-chain leveraged trading protocol supporting up to 20x leverage on any asset.

Nemesis is a permissionless on-chain leveraged trading protocol. Its innovative Omni-directional Market Maker (OMM) allows swaps, leveraged longs/shorts, and liquidity provision within a single, unified liquidity pool, thereby supporting up to 20x leverage on any on-chain token. This isn't just about leveraging small-cap coins; more importantly, OMM creates a new, organic source of on-chain yields for LPs that is several times higher than peers.

L7 @TradeOnL7

[Core]: Mobile-first, agent-oriented all-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 an all-market trading terminal spanning perpetuals, prediction markets, tokenized stocks, yield products, and RWAs. It's more about turning "trading ability" itself into a capital-allocatable asset. Traders monetize their skills into funded accounts, while capital providers earn returns through assessment fees and profit sharing.

Newsliquid @newsliquidX Official XHunt Rank: 9427

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

While most traders still manually scroll through feeds and read news, AI has started compressing "information advantage" into millisecond-level execution advantages. It attempts to condense "news understanding → market impact assessment → trade execution" into a single automated chain. Its AI model delves into each news event, locks onto target assets, reads charts, understands order books, and then provides executable trading decisions.

Vibe.fun @vibedotfun

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

Vibe.fun aims to make DeFi's still-immature structured derivative expressions more intuitive. Using TradFi structured primitives like barrier options, range accruals, and path-dependent yields, it tries to turn complex products into more accessible trading experiences via a mobile-first, no-liquidation, ultra-short-cycle approach.

IV. Prediction Markets

Prediction markets are expanding from "election betting" into a broader experimentation ground for information financialization. The market trades not just outcomes, but "who gets real information first."

Polysights @Polysights

[Core]: 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 turn prediction markets from pure gambling into more data-driven decision arenas. This is classic "selling shovels during a gold rush": as prediction market trading volumes expand, the value of infrastructure providers compounds.

PokerFi @Pokerfi_gg

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

PokerFi brings poker on-chain with a novel primitive: every card in every hand is 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 game options market that turns game results into hedgeable, tradable financial products.

V. RWA and Stablecoins

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

Isaac @getusdi 

[Core]: Building a digital dollar banking rail serving the global Muslim market. Isaac's goal is to create a digital dollar banking rail for the global Muslim market, with its core differentiating weapon being its proprietary zero-interest stablecoin USD-i. It's not just an interface layered on top of existing stablecoins; it controls the issuance of the underlying monetary instrument itself, building a full-stack compliant financial system from stablecoin, savings, to payments.

Openstocks @openstocks_hq 

[Core]: Creating a platform for stablecoins, trading, and yields on Pre-IPO stocks. Openstocks turns illiquid, locked-up Pre-IPO stocks into yield-bearing tokenized assets. Compliance is handled through a Cayman Islands offshore structure, assets are 1:1 backed by real Pre-IPO collateral, and a dedicated risk engine monitors liquidation and collateral ratios.

Renaiss @renaissxyz Official XHunt Rank: 9464 [Core]: Providing transparent valuation and global circulation rails for the global physical collectibles market. Renaiss taps into a more consumer-oriented, deep-water RWA track. The $500 billion physical collectibles market has long suffered from poor liquidity, opaque valuations, and difficulties in provenance and custody. Renaiss attempts to enable true circulation of non-standard assets like toys, cards, and art through on-chain settlement, authenticity verification, provenance tracking, and global market access.

VI. Privacy and Compliance

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

SilentSwap @SilentSwap Official 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 the often mutually exclusive conditions of privacy, compliance, and non-custodianship. Similar in direction to 0xBow, it emphasizes non-custodial privacy and cross-chain swap experience during the transaction process.

0xBow @0xbowio Official XHunt Rank: 9488

[Core]: Implementing Privacy Pools that enable both private transactions and self-certification of fund compliance.

In the crypto world, privacy and compliance have long been seen as opposites. 0xBow's Privacy Pools architecture was designed to prove they can coexist. It allows users to make private transactions while retaining a mechanism for legitimate participants to self-certify the clean origin of their funds. As privacy infrastructure shifts from "absolute anonymity" to "accountable privacy," 0xBow stands as a highly benchmark-worthy example.

VII. Social Finance