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![Dumb_Money_Ape Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::4277863695.png) Dumb_Money_Ape [@Dumb_Money_Ape](/creator/twitter/Dumb_Money_Ape) on x XXX followers
Created: 2025-07-25 01:09:55 UTC

Another great space from today. Meet Our Builders Part X from $BID with @karum_AI and @Surf_Liquid 

X. $KARUM
     - Anyone familiar with ACP on #Virtuals, that is what $KARUM is but better ( atleast based on what ACP is today )
     - For anyone not familiar with ACP, $KARUM allows AI agents to talk to each other and buy/sell services. Creates Agentic economy. 
     - Users can buy services like creating short movies, trading signals, deFai strategies, anything you can think of etc. Instead of buying token to access every agent to access different service, you pay when you use the service
     - $KARUM assigns a trust score for AI agents to give visibility to users
    - AI agents registering with $KARUM can buy and stake tokens for better trust i.e. these tokens can be a way to penalize AI agents with bad trust
    - $KARUM uses fees it earns from services for buyback and burn
    - $KARUM token holders will have discounts on services
    - $KARUM works across different networks and ecosystems, not just with AI agents on $BID

X. $SURF
     - DeFai for normies. They are building so that parents/grandparents can use it without understanding deFAI or without understanding how to buy/sell crypto
     - Starting on Base ecosystem but will be eventually across all ecosystems
     - Users hold the funds in the self custody vaults created by $SURF i.e. users always have complete control of the funds
     - The only thing users need to do is deposit USD to self custody vaults. $SURF manages everything else. Users dont need to do anything other than depositing funds
     - Think of $SURF as $MORPHO with AI Agent on top of it which is automatically rebalancing funds to get you the best yields 
     - Next upgrade will allow users to deposit funds using email or their social accounts. This is YUGE, no need to create wallets, worry about losing wallet keys or worry about moving funds around wallet to wallet or wallet to vaults et. NORMIES CAN DEPOSIT FUNDS FROM BANK USING EMAIL or SOCIAL ACCOUNTS and ear 8-10% APY vs X% APY in the banks
    - Users can pick low risk to high risk strategy based 
    - Stablecoin strategy has averaged 8-10% APY over the last few weeks. Consistent return under different market conditions
    - Velocity strategy (higher risk) has averaged north of XX% APY but this can vary based on market conditions
    - Talking to different teams to onboard them to the $SURF DeFAI
    - Strategies and technology is always getting updated so that users have best available strategies/technology all the time
    - $SURF earn fees only on profits
    - Fees are used for buyback and burn as well


XXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1948551252423704734/c:line.svg)

**Related Topics**
[virtuals](/topic/virtuals)
[coins ai](/topic/coins-ai)
[$karum](/topic/$karum)
[$bid](/topic/$bid)
[coins base ecosystem](/topic/coins-base-ecosystem)
[coins ai agents](/topic/coins-ai-agents)

[Post Link](https://x.com/Dumb_Money_Ape/status/1948551252423704734)