The Autonomous Treasury For RWAs & Stablecoins | Live on @XLayerOfficial
Joined August 2026
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Billions in stablecoins sit idle in wallets, earning nothing.
Today we're launching Aumo, the autonomous treasury agent that puts them to work.
You deposit $USDT0, and an AI agent allocates it across real-world assets (RWAs) and DeFi yield on its own, rebalancing as markets move. Inside the guardrails the contract enforces, it can never break.
Every decision is proven on-chain, and you can replay any of it.
Live at aumo.finance/ on @XLayerOfficial
Aumo has a new look.
We rebuilt the site and the app so you can get a clearer and better experience of autonomous finance.
What changed?
The app is now a console. The agent sits in the sidebar with its live status and every detail.
The activity page is now a ledger. Over 4,700 decisions so far, each with a receipt.
Every entry opens into its reasoning: how it scored each venue, the shock it stress-tested against, what its specialist panel said, the critic's final check, and what got committed on-chain.
"Ask Aumo" opens from any page. Ask why it moved, how it scored a venue, or what would make it go defensive. It answers from its live state.
Appearance enhanced for dark or light, desktop or mobile.
Take a look here:
Aumo retweeted
Shipping @aumofinance to OKX Dev Day.
Aumo is an autonomous AI agent on @XLayerOfficial.
You deposit a stablecoin, and it puts your money to work on-chain, inside hard limits written into the contract, and it leaves a receipt for every move so you can check its work.
It started as a stablecoin treasury agent. During the build period I turned it into a full-on-chain asset manager with the following new features:
➞ Tokenized stocks: NVIDIA, Apple, Microsoft, and Meta stocks. Each is its own isolated pool, priced by an on-chain oracle, with US market hours enforced by the contract so nobody enters or exits at a stale price.
➞ A diversified stock basket: one deposit, equal weight across all four, the agent keeps it balanced. Backtested over five years, including the 2022 bear, diversification cut max drawdown from about 43% on a single name to about 32%.
➞ Tokenized gold: PAXGy, gold that also earns a yield, in its own opt-in pool.
➞ Sharpened Agent Reasoning: I built an agent timing rule, backtested it, and it failed, so I cut it and shipped diversification instead.
Then I ran a security pass on my own pools, found two issues, hardened them, and redeployed before taking a single deposit.
All live on X Layer mainnet, with around 4,000 on-chain decisions so far and every contract verifiable.
Full walkthrough below.
Aumo now earns on tokenized gold.
Deposit USDT0, and the agent will invest in PAXGy, a yield-bearing tokenized gold from Paxos, providing real gold exposure that appreciates over time, with on-chain management.
This pool is distinct from the USDT0 treasury and stock pools, ensuring your gold exposure is precisely what you select.
The same trust model applies: strict on-chain limits, funds return only to you, and a market-hours gate prevents weekend transactions.
PAXGy's price reflects its on-chain gold rate plus our gold feed, with a small anti-dilution fee for exiting users.
With gold, Aumo now includes stablecoin yield, tokenized stocks, and a diversified basket, all managed by one autonomous agent on X Layer.
Deposit: aumo.finance/gold
Aumo retweeted
AUM for @xStocksFi tokenized stocks has reached an ATH on X Layer.
As more real-world assets move onchain, we continue to provide the low-cost, always-on settlement infrastructure that helps tokenized markets scale.
Stocks are live on Aumo.
Aumo is an autonomous AI agent that manages an on-chain treasury, and today it moves into real-world assets. NVIDIA, Apple, Microsoft, and Meta are live on @XLayerOfficial.
Each stock has its own pool, priced by a live market feed, with US market hours enforced on-chain.
You get the exposure on-chain, and the same agent that runs the treasury manages it inside fixed guardrails, and positions settle at the market price on exit.
Aumo was built for RWAs. Stocks are the first. More are coming.
Stocks are coming to Aumo. The same agent that runs your on-chain treasury is learning a new real-world asset: tokenized equities on X Layer.
.@sparkfinance is now live on Aumo.
Aumo is an autonomous RWA treasury agent on X Layer that utilizes idle stablecoins across vetted yield venues, ensuring secure on-chain operations.
Today, we introduced Spark Savings USDT ($spUSDT), a new savings vault from Spark, built on Sky. spUSDT integrates into the pool without bridges or wrappers.
The agent evaluates spUSDT against venues (Aave, USDG, Pendle) each cycle, allocating funds based on risk-adjusted returns.
Funds are non-custodial, and the agent operates within on-chain caps, engaging only with allowlisted venues. Spark provides an additional earning opportunity for the treasury.
Aumo acted independently this week.
It identified that much of the pool was in venues that appeared different but were essentially the same dollar, with USDG appearing in three locations, viewing this as concentration risk rather than diversification.
So it trimmed the position and moved the capital into a different underlying.
Most yield agents sort by APY and stop there. The reason Aumo exists is to reason about what a sort misses.
Two venues backed by the same issuer are not diversified; they just look like it, and an agent managing real money should know the difference.
Many wonder if Aumo is truly autonomous or just a scripted UI.
Here’s what the agent did with the treasury this week, without any human input on close monitoring with little capital all on the @XLayerOfficial mainnet.
Currently, it holds 60% in USDG, 35% in @pendle_fi for fixed yield, and 5% as a buffer, having rotated out of @aave due to low yields.
It made these decisions independently, evaluating each option and acting only when justified.
We also noticed it’s overly concentrated, with both top venues tied to the same dollar.
This week, we will be adjusting the risk engine to limit exposure to any single asset, encouraging diversification, like returning to Aave.
Aumo just crossed 2,000 autonomous decisions on @XLayerOfficial.
Specifically, only 158 of them were executed trades.
The other 2,068 were deliberate holds, and that ratio is the entire philosophy.
The agent doesn't move capital to look busy; it moves only when the math says a rotation pays for itself, and the rest of the time it sits still on purpose.
Right now it's ~95% deployed across @aave, @global_dollar, and @pendle_fi on X Layer, and every one of those 2,226 calls is on-chain and provable.
One job: put idle stablecoins to work without ever doing anything reckless.
Aumo just crossed 2,000 autonomous decisions on @XLayerOfficial.
Specifically, only 158 of them were executed trades.
The other 2,068 were deliberate holds, and that ratio is the entire philosophy.
The agent doesn't move capital to look busy; it moves only when the math says a rotation pays for itself, and the rest of the time it sits still on purpose.
Right now it's ~95% deployed across @aave, @global_dollar, and @pendle_fi on X Layer, and every one of those 2,226 calls is on-chain and provable.
One job: put idle stablecoins to work without ever doing anything reckless.
Aumo's agent quietly passed 1,100 decisions on @XLayerOfficial on its own.
Out of 1,100+, it moved capital around 80 times and held the rest. Not because it's idle, but because most of the time the honest call is to leave a good position alone.
Chasing every last basis point just bleeds you on fees, and the agent is built to know that.
All decisions are recorded, detailing the market conditions, reasons for holding or moving, trusted venues, and confirming transactions.
Aumo can now autonomously provide liquidity on @XLayerOfficial
Aumo provides liquidity by taking $USDT0, splitting it, and minting a full-range position on @Uniswap v3, without human intervention, while custody remains on-chain.
Fees compound directly into your share price, with no reward tokens or additional apps to monitor.
Upon exit or withdrawal, the position is burned, fees are swept, and everything is converted back to USDT0 and returned to the pool.
Billions in stablecoins sit idle in wallets, earning nothing.
Today we're launching Aumo, the autonomous treasury agent that puts them to work.
You deposit $USDT0, and an AI agent allocates it across real-world assets (RWAs) and DeFi yield on its own, rebalancing as markets move. Inside the guardrails the contract enforces, it can never break.
Every decision is proven on-chain, and you can replay any of it.
Live at aumo.finance/ on @XLayerOfficial
Currently, it offers zero liquidity intentionally. Fees on two dollar-pegged coins are minimal, and the agent won't shift to a venue with lower returns. It evaluates this each cycle and funds only when the risk-adjusted yield is favorable. A selective agent is key.
All limits are defined in the contract, not the agent: per-move caps, a rolling loss budget, approved venues only, and no external fund transfers.
The adapter was rigorously tested against live X Layer contracts and underwent thorough adversarial review before launch.
Want to see exactly how it works, step by step?
It's all here: aumo.finance/internals
