Abstract:We proudly introduce Memory-as-Asset, a new memory paradigm towards human-centric artificial general intelligence (AGI). In this paper, we formally emphasize that human-centric, personal memory management is a prerequisite for complementing the collective knowledge of existing large language models (LLMs) and extending their knowledge boundaries through self-evolution. We introduce three key features that shape the Memory-as-Asset era: (1) Memory in Hand, which emphasizes human-centric ownership to maximize benefits to humans; (2) Memory Group, which provides collaborative knowledge formation to avoid memory islands, and (3) Collective Memory Evolution, which enables continuous knowledge growth to extend the boundary of knowledge towards AGI. We finally give a potential three-layer memory infrastructure to facilitate the Memory-as-Asset paradigm, with fast personal memory storage, an intelligent evolution layer, and a decentralized memory exchange network. Together, these components outline a foundational architecture in which personal memories become persistent digital assets that can be accumulated, shared, and evolved over time. We believe this paradigm provides a promising path toward scalable, human-centric AGI systems that continuously grow through the collective experiences of individuals and intelligent agents.