# 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.