How AI Agents Drive the Mass Adoption of Decentralized Finance

Decentralized Finance claims to be open to everyone, but its complexity makes it difficult for ordinary investors to participate. From preparing Gas fees to understanding complex protocols, many users miss investment opportunities due to cumbersome processes.

Wayfinder is an on-chain dedicated AI agent system designed to address these accessibility issues. Users can execute professional-level investment strategies simply by having a conversation with the agent, covering complex operations from cross-chain trading to basis trading.

In the future, Wayfinder will expand into an API service, expected to become the infrastructure that simplifies the complexity of on-chain operations, widely used in various Web3 projects. This will improve the user experience across the cryptocurrency industry, making "accessible financial services for everyone" a reality.

The Accessibility Challenges of Decentralized Finance

Decentralized Finance aims to create an open financial ecosystem, but it requires complex technical knowledge and advanced financial skills. This creates a huge gap between ideals and reality.

Although technologies like chain abstraction and account abstraction have improved user experience, the supported protocols are still limited. The fundamental issue lies in the complexity of learning, as users still need to understand concepts unique to Decentralized Finance, such as AMM, liquidity pools, and impermanent loss.

The research from the Bank for International Settlements shows that in Uniswap V3, only 7% of liquidity providers control about 80% of the TVL. The return rates for these professional users are 20% higher than those of regular users. This gap exists even in the more user-friendly Uniswap, indicating that accessibility issues affect the entire Decentralized Finance ecosystem.

The DeFi ecosystem faces a clear problem: existing users are caught in an endless cycle of learning and decision fatigue, while new users are deterred by complex access processes. This goes against the original intention of achieving financial innovation through decentralized technology, and the promise of widespread participation has yet to be realized.

The Potential of AI in Solving the High Barriers of Decentralized Finance

The latest AI technology brings new possibilities for lowering the barriers to entry in Decentralized Finance. Agent-based AI technology can now perform complex tasks and may become key to the widespread adoption of DeFi.

For example, a user requests: "Bridge my ETH from Base to Solana and purchase Memecoin BONK." The AI entity can analyze various bridging options in real time and provide clear choices:

• Wormhole: Fee 2.50 USD, Completion Time 3 minutes, High Security
• LayerZero: Fee $1.80, Completion Time 5 minutes, with the risk of Gas fee fluctuations.

Users do not need to learn the technical differences between bridges; they can quickly make decisions based on the key information provided by the agent. The agent automatically handles complex operations such as connecting wallets and executing trades.

However, there are challenges in realizing this vision. Most AI technologies lack direct blockchain integration and cannot check wallet balances in real-time. Even integrating blockchain nodes, understanding thousands of smart contracts is a major challenge. How to verify and ensure the security of protocols is also an additional challenge.

AI technology requires a dedicated on-chain agent system to create real value in Decentralized Finance. This is precisely Wayfinder's entry point.

Wayfinder: On-chain Dedicated AI Intelligence System

Wayfinder provides an AI agent system designed specifically for on-chain environments. Unlike general agents, Wayfinder agents are directly integrated with blockchain infrastructure, automatically executing on-chain tasks. The AI models are fine-tuned to efficiently navigate and utilize Decentralized Finance protocols. This provides ordinary users with an environment to access complex DeFi ecosystems without requiring specialized technical knowledge.

Wayfinder consists of two core components: Wayfinder Shell and Wayfinder Graph.

Wayfinder Shell: Decentralized Finance Private Banker

Wayfinder Shell is the interface for users to interact with dedicated agents, used to formulate and execute various on-chain strategies. It provides dedicated agents for specific roles, which collaborate to handle complex tasks. The Shell supports major mainnets such as Ethereum, Solana, Base, and Avalanche, enabling seamless asset management in a multi-chain environment.

The main feature of Shell is that the agent directly executes on-chain transactions through a built-in dedicated Web3 wallet. For example, when a user requests to invest $100 USDC in recently rising tokens on Solana, the agent will filter tokens using real-time market data, construct a portfolio, and execute the investment directly.

The Wayfinder's agent system includes:

• Trading agents: Handling basic on-chain asset transfers and management
• Perpetual Contract Smart Agent: Supports spot or perpetual contract trading
• Contract Agent: Handles tasks related to smart contracts
• Autonomous Agents: Coordinating multiple agents to perform comprehensive roles

In the future, dedicated agents will be continuously added, such as yield discovery agents. Wayfinder utilizes a multi-agent system for mutual verification and collaboration, enhancing decision stability and accuracy. For complex operations, agents will simulate transactions in a virtual network, predict outcomes, and prevent errors. Important transactions require user approval to ensure complete control of assets by the user.

Wayfinder Graph: A navigation system for Decentralized Finance

Wayfinder Graph is a navigation system that systematically organizes complex blockchain ecosystems. It builds relationships among DeFi protocols, smart contracts, and assets across various blockchain networks, helping agents execute tasks through the most efficient paths.

The core of the map system is the "pathfinding route". Each route gradually defines specific tasks, recording detailed information such as required smart contract addresses, function call methods, expected costs, and precautions. The agent uses these verified routes to complete tasks quickly and securely.

In the future, the community will create and manage navigation paths. When a new DeFi protocol emerges, community participants can write and submit paths that interact with it. Submitters must stake PROMPT tokens as collateral, and the verified paths will be added to the official repository for all Shells to use. Path creators can earn a portion of the fees when their paths are used by other Shells. Incorrect paths will result in the forfeiture of staked tokens, which will be used to compensate victims. This mechanism ensures the ongoing quality management of the paths.

Wayfinder ensures scalability through a community-driven approach, flexibly responding to the rapid changes and complexities of the Decentralized Finance ecosystem.

The New Decentralized Finance Experience Achieved by Wayfinder

Wayfinder makes complex on-chain strategies accessible to everyone, not just experts. Automated agents handle strategy formulation and execution, allowing beginners to easily manage expert-level strategies, while experts can focus on more intricate designs. The following examples demonstrate how Wayfinder tailors new Decentralized Finance experiences for different user levels.

Simplify complex cross-chain transactions

Wayfinder's trading intelligence solves the complexity of cross-chain transactions through the BRAP engine. The BRAP engine explores multiple liquidity paths to find the optimal route and handles token swaps and bridging. Users enjoy a one-stop experience without complex processes. In addition, Wayfinder supports the unified handling of multi-chain gas fees using only Base chain-based PROMPT tokens, so users do not need to prepare native tokens for each chain.

One-stop execution of repetitive investment processes

Wayfinder can execute complex investment strategies, such as leverage-based DCA strategies. Once users set the conditions, it can continuously execute complex investment strategies without the need for repeated manual operations. The agent analyzes multiple lending protocols, selects the optimal plan, and executes the strategy within the risk parameters set by the user, automatically monitoring and adjusting positions to prevent risks.

provides professional-level trading for beginners.

The Wayfinder perpetual contract agent integrates with Hyperliquid's on-chain order book engine, allowing ordinary users to easily utilize complex strategies such as basis trading. Users do not need to understand trading mechanisms or have specific exchange experience; the agent will handle all the details, including position management, funding fee monitoring, and automatic liquidation.

Future Prospects of Accessible Decentralized Finance

Wayfinder is expected to bridge the gap between the complexity of on-chain transactions and user needs. Users can easily formulate and execute various strategies through conversation, from simple token purchases to yield farming and automatic rebalancing. This could make expert-level strategies accessible to ordinary users, marking a significant turning point in the industry.

In the long run, Wayfinder has the potential to develop into an operating system for on-chain environments. By providing functionalities in the form of APIs, various services such as Web3 wallets, DApps, and exchanges can easily invoke complex on-chain tasks. This will enable each service to offer new functionalities that go beyond existing limitations, such as MetaMask being able to directly execute complex portfolio rebalancing, and large exchanges providing a more intuitive interface for Decentralized Finance products.

Ultimately, Wayfinder is expected to become the infrastructure that improves the user experience across the cryptocurrency industry, realizing the ideal of "Decentralized Finance - financial services accessible to everyone."