MOZAI
MOZAI is the MoneyOS, the 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 wallets.
agents compete to run strategies on top.
the Rivalz Network verifies that every action is safe and valid before the agent can execute real transactions.
How it works?
MOZAI treats each Agent strategy as an agent + smart wallet pair.
The smart wallet is a smart contract that can hold assets, positions and claims in external DeFi protocols.
The agent is an off-chain process that can propose actions for the vault, but only within the ruleset encoded on-chain.
Strategies differ only by:
which assets they accept.
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 simple: Pick a strategy → fund the agent → let it run.
From the network perspective, each MOZAI position is just another address interacting with DeFI under strict policy enforcement.
Architecture
At a high level, MOZAI works like this:
User (EOA) → creates a MOZAI Smart Wallet → Agent → powered by ADCS / OCY / zNodes → DeFi protocols → Yield returned to the User.
MOZAI runs on the following
Data Layer – a blend of our own DefiLama-style and Nansen-style data streams, providing the agents with low-latency.
Risk Control - every position and protocol comes with a wide set of risk metrics early-exit triggers.
AI Layer – determines what actions are worth taking and selects the best optimization models (ADCS).
Agent Execution Layer – turns decisions into intents and handles execution.
On-Chain Layer – agentic smart wallet infrastructure.
The agent never holds private keys. All power is mediated through the vault contract and its on-chain policy.
Safety model
MOZAI is non-custodial by design:
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” and towards continuous, rules-driven allocation, without changing the non-custodial model users are used to.
Direction
The same architecture extends naturally to:
LP management, leverage and perps strategies.
external strategy authors plugging their own agents into the same infrastructure.
multi-chain deployment where the Rivalz Network remains the coordination and verification layer while 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 adoption. 2. Grow TVL.
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