Interpreting Anon and Automate: DeFAI, the new leader in the race, AI-driven on-chain financial interaction new model

Author: Daniele

Compilation: TechFlow by Deep Tide

Currently, AI-driven intelligent agents have made great strides in the field of automation, capable of efficiently handling daily tasks such as reconciliation, spreadsheet management, invoice processing, and data entry in traditional finance. However, despite the powerful functionality of these AI intelligent agents, they are still constrained by various limitations of the existing financial systems, such as high transaction costs, lengthy settlement times, multiple compliance processes, and decentralized infrastructure.

This gave birth to Web3 and DeFAI (Decentralized Finance + Artificial Intelligence). By combining the permissionless and programmable architecture of blockchain with AI agents that can understand natural language instructions and execute complex logic, we can automate complex transactions on the blockchain. These transactions were difficult to achieve or too costly in traditional finance. At the heart of this revolution is the TypeScript framework Automate, launched by Hey Anon, which provides a simple and secure way for agents to initiate and manage on-chain financial interactions.

Next, we will explore together why Web2 agents can benefit from upgrading through Web3, how Automate and DeFAI will achieve this transformation, and how AI-driven financial automation will develop in the future—from daily business transactions to complex fund management, covering multiple practical application scenarios.

1. Why is Web3 superior to traditional finance in terms of automation

1.1 Reduce the burden of compliance processes

Traditional cross-border payments or large-scale fund transfers usually require multiple stages of compliance checks through banks, clearing houses, and other channels. In contrast, blockchain transactions only rely on network consensus and do not require external regulators or traditional complex processes.

This enables AI agents to more easily complete cross-border payments, fund custody, or debt settlement, avoiding common wear and delay issues.

1.2 Real-time settlement and global coverage

Once the transaction is confirmed on the chain, settlement usually takes only a few seconds or minutes (the specific time depends on the blockchain network). This is completely different from the T+2 or T+3 settlement model in stock trading or bank wire transfers (i.e., settlement within 2 days or 3 days after the transaction is completed).

Businesses can access global liquidity instantly. For example, AI agents can use stablecoins (such as USDC) to pay overseas suppliers, thus avoiding the multi-day wait times for wire transfers.

1.3 Programmable Custody and Complex Financial Interaction

Traditional financial systems have very limited support for conditional payments or complex financial logic (such as partial custody release, milestone-based payments, or multi-party income distribution).

And on-chain smart contracts can implement flexible and complex logic. For example, if the goods are delivered on time, 70% of the escrow funds will be released; otherwise, the funds will be automatically refunded or submitted to the arbitration process.

1.4 Cost-effectiveness

With certain Layer 2 solutions or sidechains, the cost of on-chain transactions is significantly lower than traditional bank fees or cross-border remittance costs.

In addition, AI agents can batch process operations or select the most cost-effective blockchain network (e.g., transferring assets from one blockchain to another via chain bridge), thereby helping enterprises further reduce costs.

2. Automate and DeFAI: The Ultimate Infrastructure for On-chain AI

2.1 What is Automate?

Automate is a TypeScript framework launched by Hey Anon, specially designed for DeFi integration, and adopts a strict tooling method. It allows developers to describe on-chain operations in a deterministic, pattern-based manner, such as token exchange, transfer, staking, borrowing, cross-chain bridging, etc. This approach effectively avoids the inaccurate or erroneous results that AI models may produce when dealing with unstructured commands.

Strict mode validation: Each transaction or contract call will be verified based on predefined parameters (such as precise token address, amount in Wei, correct function signature), ensuring the security and accuracy of operations.

Parallel Integration: New protocols can be quickly added through simple Pull Requests to expand the support range of Automate, covering a variety of scenarios from stablecoin transfers to complex derivative trading.

AI friendly: After integration, AI agents (such as large language model assistants) can directly read these pattern definitions and initiate the correct transaction process through natural language commands. For example, users only need to enter "exchange 100 USDC for wETH and pledge to Protocol X", and the AI agent can automatically complete the relevant operations.

2.2 DeFAI: AI-driven intelligent agent + DeFi

DeFAI incorporates AI functions based on the Automate framework, including natural language processing, intelligent decision-making capabilities, and conditional transaction logic. Users do not need to manually operate Web3 wallets or dApp interfaces. The AI-driven intelligent agent can understand simple English requests and coordinate multi-step, multi-chain operation processes.

Interpreting user requests (e.g., "depositing $500 USDC as collateral until the goods are delivered.").

Ensure the correct blockchain and smart contracts for custody functionality.

Deterministic pattern-assembled trading based on Automate.

Execute transactions when conditions are met or authorized by the user/agent.

By eliminating the complexity of manual operations such as wallet connection, cross-chain bridging, and contract address management, DeFAI effectively reduces the threshold for on-chain finance, enabling existing Web2 robots and systems to easily access advanced Web3 tools.

3. Application Scenarios of Web2 Intelligent Agents: Future Outlook

3.1 Automated Billing and Payment

Scenario: A small e-commerce company uses an AI-driven accounting intelligence agent. Traditionally, the agent records invoices in spreadsheets and arranges bank transfers on weekends.

Using Automate and DeFAI:

The AI detected the invoice paid by the customer on the first day.

Automatically trigger on-chain transactions, pay suppliers with USDC, without relying on traditional bank wire transfers.

If partial custody is required to handle returns or disputes, it will set up a smart contract with fund release conditions.

Settlement is completed within a few minutes, significantly reducing the capital turnover time and accelerating the circulation efficiency of the supply chain.

3.2 Financial Management and Revenue Optimization

Scenario: A medium-sized company wants to earn income from idle funds, but the interest rates offered by traditional banks for enterprises are too low, and the compliance operations of short-term financial instruments are also too complex.

On-chain alternative solution:

AI Smart Agents can review and select the appropriate blockchain through the stablecoin yield protocol integrated by Automate (such as Aave or Compound).

According to changes in revenue, credit risk indicators or liquidity conditions, the intelligent body will automatically deploy or withdraw funds.

The intelligent agent can also quickly exchange different tokens to hedge currency risks, while the company's finance department only needs to view a stable account balance and daily income updates.

3.3 Intelligent Custody and B2B Contracts

Scenario: A manufacturing supplier wants to receive partial payments at each production milestone completion without the need to sign manually each time.

Solution:

Web2 intelligent agents trigger an on-chain escrow contract at project initiation.

When the intelligent agent receives milestone completion verification from the Internet of Things (IoT) or logistics data, it will automatically release a portion of the funds.

If there is a dispute, the on-chain arbitration rules or Oracle will determine how the locked funds are handled, completely avoiding the need for multiple interactions with banks or lawyers.

3.4 Real Estate and Large Transactions

Scenario: Real estate transactions often take weeks, involving notaries, escrow accounts, and manual compliance processes.

AI Assistant:

The smart contract conducts KYC checks on participants, or refers to stablecoin issuance platforms to meet regulatory compliance requirements.

Token representing property ownership on the coordinated blockchain (if available) or a bridging system representing property rights.

Process partial payments, refund deposits, and achieve near-real-time settlement after both parties confirm the conditions.

3.5 Beyond Spreadsheets - Complex Logic

Traditional Web2 AI can usually only update spreadsheets or remind unpaid bills on Slack, while DeFAI goes further:

Conditional purchase: "If the competitor's price is $X or lower, buy their tokens as a hedging measure."

Automatic Hedging: "If the volatility index of ETH exceeds Y, the risk exposure will be reduced by half."

Dynamic Budgeting: "Distribute stablecoin salaries to employees on a weekly basis, but reallocate the remaining funds to short-term mining revenue." ”

Cross-chain arbitrage: the intelligent body continuously monitors price differences and triggers cross-chain bridging and exchange operations within seconds.

4. Why this is a huge leap

4.1 Beyond API Limitations

Web2's AI robots usually rely on APIs, which are limited by the rules and business hours of traditional banking systems. Switching to an on-chain environment can achieve the following advantages:

Achieve 24/7 instant settlement worldwide.

Each transaction is recorded in a publicly transparent log for easy auditing and compliance.

No need to negotiate custom integration with every bank or payment provider, just connect to a blockchain network with stable coin liquidity.

4.2 Lower Costs and Entry Threshold

Reduce middlemen: Cross-border transfers or escrow services often require expensive intermediaries, while smart contracts can completely eliminate these steps.

Reduced latency: Settlement time has been shortened from several days to several minutes, greatly improving cash flow and enhancing business flexibility.

4.3 Establishing Trust Through Transparency

The on-chain records are public, and enterprises or clients can verify each transaction at any time to ensure that the AI intelligent agent strictly complies with the rules set in the smart contract. This transparency not only enhances trust among all parties, but also helps gain recognition from regulatory authorities.

5. Role of Automate: Ultimate Infrastructure Layer

5.1 Natural Language + Deterministic Execution

Simplified operation: Non-technical users or traditional systems can complete operations through concise instructions (e.g., 'transfer 10,000 USDC to SupplierX', 'custody 5,000 USDC for 90 days').

Verification mechanism: The automated Typed Schema and strict logic will parse user requests, confirm contract details, verify addresses, and use relevant wallet or smart body credentials to complete transaction signing.

5.2 Quickly integrate multiple DeFi protocols

Parallel PR submission: Global developers can add new mining revenue (Yield Farming), decentralized exchange (DEX), or hosting solutions to the Automate function library through Pull Request (PR).

Looking to the future: As the DeFi ecosystem continues to evolve, Automate will also develop synchronously to ensure the continuous expansion of the functionality of Web2 intelligences to adapt to new requirements.

5.3 Secure Execution Environment

No "hallucinations": AI will not randomly speculate on addresses or create invalid parameters. Any invalid requests will be intercepted during verification to avoid potential errors.

Health check: Automate can enforce spending limits, multi-signature rules, or risk parameters. For example, if a large transaction does not meet the predefined security threshold, the system will automatically block its execution.

6. The Future: The Transformation of Global Business

Imagine a not-too-distant future:

Retailers can use the DeFAI smart agent for daily financial settlements, simply instructing to pay global suppliers with stablecoins (e.g., "make daily payments based on yesterday's sales").

Banks or financial technology platforms quietly adopt the Web3 backend, supporting instant loan disbursement or cross-border microfinance services.

Logistics AI uses the on-chain custody mechanism to release funds when each logistics node is completed, greatly reducing disputes and operating costs.

Virtual companies are almost entirely run on the chain, and Web2 intelligent agents bridge real-world data (such as transportation status or weather information) to on-chain conditions, enabling automated payments and guarantees.

Key point: Once Web2 smart agents can seamlessly connect to the chain's finance, their potential will be infinitely extended. From daily wage payment to complex derivatives and hedging transactions, enterprises of all sizes will enjoy the automation and autonomy previously limited to professional traders.

Conclusion

With the support of Automate and Hey Anon, DeFAI is paving the way for a new era of AI-driven financial trading. By removing barriers in traditional finance such as slow settlements, high compliance costs, and multiple intermediaries, Web2 intelligent agents are evolving into powerful, always-online 'financial executors' that can perform complex logic operations at lower costs and in less time.

For businesses, this means more efficient operations, instant global payments, and a wider range of financial tools, all with almost no additional expenses.

For developers: Automate's strict toolset and open-source features provide a plug-and-play approach, seamlessly connecting Web2 systems with DeFi protocols to accelerate technological innovation.

For the global economy: lower transaction friction and higher transparency will help build trust, drive cross-border business development, and spawn entirely new business models.

In conclusion, the combination of autonomous agents and blockchain is a natural process - it breaks through the limitations of traditional spreadsheets and static APIs. With solutions like Automate, the future of financial automation is no longer a theoretical concept, but a reality that can be implemented at any time by any forward-thinking Web2 company or developer.

Welcome to the new era of financial automation. Get ready to witness the self-revolution of Web2 intelligence in the trustless and borderless digital economy!