MOZAI
MOZAI is the MoneyOS - DeFAI layer of Rivalz: a set of agents that operate non-custodial smart wallets on behalf of users.
Think of it as agent-native infrastructure for money:
capital lives in non-custodial smart waets,
agents compete to run strategies on top,
the Rivalz Network verifies that what they do is sane before real size moves.
How it works?
MOZAI treats each Agent strategy as an agent + smart walet pair.
The smart walet is a smart contract that can hold assets, positions and claims in external DeFi protocols.
The agent is an off-chain process that has the right to propose actions for that vault, but only within a ruleset encoded on-chain.
Strategies differ only by:
which assets it accepts,
which protocols are whitelisted,
which objective the agent optimizes (e.g. stable yield, blue-chip yield, later LP or hedging).
From the user’s perspective, MOZAI is “pick a strategy profile, fund the agent, let it run”. From the network’s perspective, each MOZAI position is just another address interacting with DeFi under strict policy.
Architecture
At a high level, MOZAI looks like this:
User (EOA) → User creates a MOZAI Smart Waet → Agent → Powered by ADCS / OCY / zNodes → DeFi protocols → Yield for the User
MOZAI runs on the following
Data layer – a mix of our own DefiLama and Nansen to feed the Agents with data on low latency and high accuracy (OCY)
Risk control - each position and protocol have a wide variety of data points for risk assessment and triggers to leave early
AI layer – decide what’s worth doing, use best models to use for optimization (ADCS)
Agent Execution layer – turn that into intent and handle
On-chain layer – agentic smart wallet infrastructure
The agent never holds private keys. All power is mediated through the vault contract and its policy.
Safety model
MOZAI is non-custodial by construction:
the vault is a contract controlled by the user’s EOA;
agent permissions are constrained to a fixed set of calls and limits;
high-impact reallocations can be gated behind zNode attestations;
any attempt to act outside the configured policy simply reverts.
The user can always withdraw from the vault back to their EOA, independent of MOZAI’s off-chain services, as long as the underlying chain and protocols are live.
Current scope
In its initial version, MOZAI focuses on lending and yield:
single-asset vaults (e.g. USDC) on supported chains,
curated sets of lending and yield protocols,
agents that periodically rebalance across these venues based on best performance
The goal is straightforward: move away from manual “farm rotation” towards continuous, rules-driven allocation, without changing the custodial model users are used to.
Direction
The same architecture extends without major changes:
strategies that cover LP management, leverage, and perps,
external strategy authors plugging their own agents into the same rails
multi-chain deployment where the Rivalz Network remains the coordination and verification layer, and vaults live on the execution chains.
MOZAI is the first surface where this pattern is visible: agents, oracles and validators coordinating around a vault the user still owns. Everything else in Rivalz is built to make that loop reliable at larger scale.
The plan: 1. Everything users do on-chain can be done better by agents 2. Show more use-cases and amplify 2. Grow TVL
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