In the rapidly evolving field of digital finance, there has always been a fundamental limitation: despite the powerful analytical capabilities of artificial intelligence (AI), it can only play the role of an advisor. AI can tell you what to buy, when to trade, or how to optimize your portfolio, but it cannot execute these actions personally. Today, Vly (https://vly.money) is changing this status quo by launching "AI-powered social wallets." This groundbreaking innovation transforms AI from a passive advisor into an active financial agent, marking an important milestone in the integration of artificial intelligence with digital assets.

Redefining the Role of AI in Finance

Imagine having a highly intelligent financial assistant that not only provides you with advice but can also execute actions directly within the parameters you set. This was previously impossible in the cryptocurrency space. No matter how excellent the AI's advice was, every transaction required human intervention to complete. This bottleneck limited the potential of AI in digital finance, making what should have been a smooth interaction cumbersome.

Vly's innovation eliminates this barrier, allowing users to authorize AI agents to send tokens on their behalf. As its first product, Vly launched the AI Agent (@vly_agent), where users simply notify the AI agent on the social platform? (formerly Twitter) to directly execute payment or tipping actions. By responding in natural language, users can easily authorize the AI agent to handle token transactions. This feature creates a new model of collaboration between humans and AI in the financial sector. This breakthrough is not just about operational automation; it represents a fundamental shift in our thinking about digital asset management and AI agents.

Using Vly AI Agent (@vly_agent) for tipping on the ? platform

Paradigm Shift in Web3 Interaction

In the world of cryptocurrency, the "Connect Wallet" button has long been used to interact with decentralized applications (DApps). While industry veterans have become accustomed to this, it has become a significant barrier for ordinary people using Web3 products. Users must connect their wallets to various websites, understand the interactions of smart contracts, and deal with various signatures and authorizations, all while worrying about the security risks posed by malicious DApps.

The AI-powered social wallet launched by Vly completely changes this model. Users no longer need to connect their wallets to multiple websites and manually approve each transaction; now they only need to authorize the AI agent once in a secure wallet environment. After that, the agent can automatically handle all subsequent interactions, greatly simplifying the user experience.

Authorize the AI agent to use tokens in the wallet

This transformation brings several key advantages:

- Self-Custody: Users have complete control over their funds in Vly (a self-custody wallet).

- Enhanced Security: Users no longer need to connect their wallets to unknown websites.

- Reduced Complexity: No need to deal with complex smart contract interactions.

- Better Risk Management: The AI agent can verify transactions before execution.

- Seamless Experience: One-time authorization replaces multiple connection requests.

As a result, the entry barrier to Web3 is significantly lowered. Users no longer need to understand blockchain technology, smart contracts, and wallet security; they simply authorize the AI agent to handle these complex matters—while maintaining full control over their assets.

The Technical Magic Behind Vly

The core of this breakthrough lies in the clever combination of existing technologies. The "approve" function of the ERC-20 token standard, originally designed for smart contract interactions, is now reimagined as a bridge between AI and human financial agents. Users can grant the AI agent a specific spending limit, achieving automated execution while retaining control.

Applying the token authorization function to the AI agent

What sets Vly apart is its social account to wallet address resolution system. When the AI agent needs to send tokens to a Twitter user, it does not require a complex wallet address; it only needs the social account. Vly's API automatically resolves it to the correct blockchain address, eliminating a key barrier in AI and human financial interactions.

This technical architecture ensures security while maintaining simplicity. Users can precisely set the limits on how much the AI agent can spend with tokens and can revoke permissions at any time. The system combines the programmability of blockchain technology with the accessibility of social media, creating a powerful yet intuitive user experience.

Why Now

This innovation is the result of the convergence of three key technologies: programmable permissions of blockchain, decision-making capabilities of AI, and Vly's social identity resolution. While other platforms have used these technologies separately, Vly is the first to combine them into a complete system that is both secure and user-friendly.

The key lies in Vly's unique ability to map social identities to blockchain addresses. This capability transforms social accounts into universal payment addresses, allowing the AI agent to interact with the entire social network ecosystem without users needing to understand blockchain technology. This breakthrough in social identity resolution makes AI-powered social wallets not only possible but also suitable for everyday use.

Ripple Effect

The impact of this breakthrough goes far beyond simple transactions. For the creator economy, it enables an automated AI reward system that can instantly identify and reward quality content. In the gaming sector, AI agents can manage game economies and execute transactions in real-time. For personal finance, it opens the door to truly intelligent portfolio management that can respond to market conditions instantly, without users needing to constantly connect their wallets to new platforms.

More importantly, it creates a new model of collaboration between humans and AI in finance—DeFAI (Decentralized Intelligent Finance). Users maintain complete control through customizable spending limits and revocable permissions, while AI agents can execute optimal trading strategies without continuous human intervention. This balance of automation and control sets a new standard for how AI can be integrated into financial services.

Looking Ahead

We are standing at the dawn of a new era in digital finance. Vly's AI-powered social wallet represents the first step toward a future where AI agents actively participate in the digital economy, working alongside humans to optimize financial decisions and execute transactions.

Most importantly, Vly is committed to building a thriving ecosystem by opening its "agent spending" feature to all AI agents globally. Any AI agent—whether focused on trading, content creation, gaming, or personal assistance—can integrate Vly's infrastructure to execute financial transactions through social identities. This open ecosystem approach means developers can create specialized AI agents that leverage Vly technology, fostering innovation and expanding the possibilities of automated financial services.

In creating the AI-powered social wallet, Vly has not only built a new feature but has also opened a new paradigm in digital finance. By making this technology available to all AI agents globally, Vly is establishing a diverse ecosystem that allows any AI agent to participate in financial transactions through social identities. The future of digital finance is one where AI and humans collaborate seamlessly, with social identities serving as a bridge between traditional and digital finance, and a thriving ecosystem of AI agents providing increasingly complex and personalized financial services. Vly's innovation not only changes our perception of digital wallets but also creates an open stage for the next generation of AI-driven financial services.

Twitter: https://x.com/vlyai

APP: https://vly.money

Telegram Bot: @vlywalletbot

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