With the support of Automate and Hey Anon, DeFAI is paving the way for a brand new era of AI-driven financial trading.
Author: Daniele
Compiled by: Deep Tide TechFlow
Currently, AI-driven agents have made significant breakthroughs in automation, efficiently handling daily tasks such as reconciliation, spreadsheet management, invoice processing, and data entry in traditional finance. However, despite the powerful capabilities of these AI agents, they remain constrained by various limitations of existing financial systems, such as high transaction fees, lengthy settlement times, multiple compliance processes, and decentralized infrastructure.
This has given rise to Web3 and DeFAI (Decentralized Finance + Artificial Intelligence). By combining the permissionless, programmable architecture of blockchain with AI agents that can understand natural language commands and execute complex logic, we can automate complex on-chain transactions that were previously difficult or too costly to achieve in traditional finance. At the core of this transformation is the TypeScript framework Automate, launched by Hey Anon, which provides agents with a simple and secure way to initiate and manage on-chain financial interactions.
Below, we will explore why Web2 agents can benefit from upgrading to Web3, how Automate and DeFAI will facilitate this transition, and how the future of AI-driven financial automation will evolve—from everyday business transactions to complex fund management, covering multiple practical application scenarios.
1. Why Web3 Excels in Automation Compared to Traditional Finance
1.1 Alleviating Compliance Burdens
Traditional cross-border payments or large fund transfers typically require passing through banks, clearinghouses, and multiple stages of compliance checks. In contrast, blockchain transactions rely solely on network consensus, eliminating the need for external regulators or traditional complex processes.
This allows AI agents to more easily complete cross-border payments, fund custody, or debt settlements, avoiding common wear and tear and delays.
1.2 Instant Settlement and Global Coverage
Once a transaction is confirmed on-chain, settlement usually takes only seconds or minutes (the exact time depends on the blockchain network). This is in stark contrast to the T+2 or T+3 settlement models in stock trading or bank wire transfers (i.e., settlement within 2 or 3 days after the transaction is completed).
Businesses can instantly access global liquidity. For example, AI agents can use stablecoins (like USDC) to pay overseas suppliers, avoiding days of waiting for wire transfers.
1.3 Programmable Custody and Complex Financial Interactions
Traditional financial systems offer very limited support for conditional payments or complex financial logic (such as partial custody releases, milestone-based payments, or multi-party revenue distribution).
On-chain smart contracts can implement flexible and complex logic. For instance, if goods are delivered on time, 70% of the custody funds are released; otherwise, the funds are automatically returned or submitted to an arbitration process.
1.4 Cost Efficiency
With certain Layer 2 solutions or sidechains, on-chain transaction fees are significantly lower than traditional bank fees or cross-border wire transfer costs.
Additionally, AI agents can batch process operations or choose the most cost-effective blockchain network (for example, transferring assets from one blockchain to another via bridges), further helping businesses 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, specifically designed for DeFi integration, employing a strict tooling approach. It allows developers to describe on-chain operations deterministically and based on defined patterns, such as token swaps, transfers, staking, lending, and cross-chain bridging. This approach effectively avoids inaccuracies or errors that AI models might produce when handling unstructured commands.
Strict Pattern Validation: Each transaction or contract call is validated against predefined parameters (such as precise token addresses, amounts in Wei, and correct function signatures), ensuring the security and accuracy of operations.
Parallel Integration: New protocols can be added through simple Pull Requests, quickly expanding Automate's support to cover a variety of scenarios from stablecoin transfers to complex derivatives trading.
Agent-Friendly: Once integrated, AI agents (like large language model assistants) can directly read these pattern definitions and initiate the correct transaction processes through natural language commands. For example, a user can simply input “Swap 100 USDC for wETH and stake it in protocol X,” and the agent will automatically complete the related operations.
2.2 DeFAI: AI-Driven Agents + DeFi
DeFAI incorporates AI capabilities into the Automate framework, including natural language processing, intelligent decision-making, and conditional trading logic. Users do not need to manually operate Web3 wallets or dApp interfaces; AI-driven agents can understand simple English requests and coordinate multi-step, multi-chain operation processes:
Parse User Requests (e.g., “Custody $500 of USDC until the goods are delivered.”).
Identify the correct blockchain and smart contract suitable for the custody function.
Assemble Transactions based on Automate's deterministic patterns.
Execute the transaction once conditions are met or upon user/agent authorization.
By eliminating the complexities of manual operations such as wallet connections, cross-chain bridging, and contract address management, DeFAI effectively lowers the barrier to entry for on-chain finance, enabling existing Web2 bots and systems to easily access advanced Web3 tools.
3. Application Scenarios for Web2 Agents: Future Outlook
3.1 Automated Billing and Payments
Scenario: A small e-commerce business uses an AI-driven accounting agent. Traditionally, this agent would record invoices in a spreadsheet and schedule bank transfers every weekend.
Using Automate and DeFAI:
The agent detects customer payments for invoices on the first day.
Automatically triggers on-chain transactions to pay suppliers in USDC, without relying on traditional bank wires.
If partial custody is needed to handle returns or disputes, it sets up a smart contract with conditions for fund release.
Settlement is completed within minutes, significantly shortening the capital turnover time and accelerating supply chain efficiency.
3.2 Financial Management and Yield Optimization
Scenario: A medium-sized company wants to earn returns on idle funds, but the corporate interest rates offered by traditional banks are too low, and the compliance operations for short-term financial instruments are overly complex.
On-Chain Alternatives:
The AI agent checks stablecoin yield protocols integrated through Automate (like Aave or Compound) and selects the appropriate blockchain.
Based on yield changes, credit risk indicators, or liquidity conditions, the agent automatically deploys or withdraws funds.
The agent can also quickly swap different tokens to hedge currency risks, while the company's finance department only needs to monitor a stable account balance and daily yield updates.
3.3 Smart Custody and B2B Contracts
Scenario: A manufacturing supplier wants to receive partial payments upon the completion of each production milestone without needing to manually sign each time.
Solution:
The Web2 agent triggers an on-chain custody contract at the project start.
When the agent receives milestone completion verification from IoT or logistics data, it will automatically release a portion of the funds.
In case of disputes, on-chain arbitration rules or oracles will determine how to handle the locked funds, 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 Assistance:
The agent conducts KYC checks on participants or references stablecoin issuance platforms to meet regulatory compliance requirements.
Coordinates on-chain property ownership tokens (if available) or bridging systems representing property rights.
Handles partial payments, deposit refunds, and achieves near real-time settlement once both parties confirm conditions.
3.5 Beyond Spreadsheets—Complex Logic
Traditional Web2 AI typically can only update spreadsheets or remind unpaid bills on Slack, while DeFAI goes further:
Conditional Purchases: “If the competitor's price is $X or lower, buy their tokens as a hedge.”
Automatic Hedging: “If the volatility index of ETH exceeds Y, reduce risk exposure by half.”
Dynamic Budgeting: “Distribute stablecoin salaries to employees weekly, but reallocate remaining funds to short-term mining yields.”
Cross-Chain Arbitrage: The agent continuously monitors price discrepancies and triggers cross-chain bridging and swapping operations within seconds.
4. Why This is a Huge Leap
4.1 Beyond API Limitations
Web2 AI bots typically rely on APIs, which are constrained by the rules and operating hours of traditional banking systems. By switching to an on-chain environment, the following advantages can be realized:
Achieve 24/7 instant settlement globally.
Each transaction is recorded in a publicly transparent log, facilitating auditing and compliance.
No need to negotiate custom integrations with every bank or payment provider; simply connect to a blockchain network with stablecoin liquidity.
4.2 Lower Overhead and Entry Barriers
Reduce Intermediaries: Cross-border transfers or custody services often require expensive intermediaries, which can be completely eliminated with smart contracts.
Shorten Delays: Settlement times are reduced from days to minutes, significantly improving cash flow and enhancing business flexibility.
4.3 Building Trust Through Transparency
On-chain records are public, allowing businesses or customers to verify each transaction at any time, ensuring that AI agents strictly adhere to the rules set in the smart contracts. This transparency not only enhances trust among parties but also helps gain recognition from regulatory authorities.
5. The Role of Automate: The Ultimate Infrastructure Layer
5.1 Natural Language + Deterministic Execution
Simplified Operations: Non-technical users or traditional systems can complete operations with simple commands (e.g., “Transfer 10,000 USDC to SupplierX,” “Custody 5,000 USDC for 90 days”).
Validation Mechanism: Automated typed schemas and strict logic will parse user requests, confirm contract details, validate addresses, and complete transaction signing using relevant wallet or agent credentials.
5.2 Rapid Integration of Multiple DeFi Protocols
Parallel PR Submissions: Developers worldwide can add new yield farming, decentralized exchange (DEX), or custody solutions to Automate's functionality library through Pull Requests (PR).
Future-Oriented: As the DeFi ecosystem continues to evolve, Automate will also develop in tandem, ensuring that the capabilities of Web2 agents continuously expand to meet new demands.
5.3 Secure Execution Environment
No “Hallucinations”: AI will not arbitrarily guess addresses or create invalid parameters. Any invalid requests will be intercepted during validation, avoiding potential errors.
Robust Checks: Automate can enforce spending limits, multi-signature rules, or risk parameters. For example, if a large transaction does not meet predefined safety thresholds, the system will automatically block its execution.
6. The Future: Transforming Global Business
Imagine a not-so-distant future:
Retailers conduct daily financial settlements through DeFAI agents, simply using commands to pay global suppliers in stablecoins (e.g., “Make daily payments based on yesterday's sales”).
Banks or fintech platforms quietly adopt Web3 backends, supporting instant loan disbursements or cross-border microfinance services.
Logistics AI utilizes on-chain custody mechanisms to release funds upon the completion of each logistics node, significantly reducing disputes and operational costs.
Virtual companies operate almost entirely on-chain, with Web2 agents bridging real-world data (such as transport status or weather information) to on-chain conditions, enabling automated payments and guarantees.
Core Insight: Once Web2 agents can seamlessly connect to on-chain finance, their potential will be infinitely extended. From daily payroll to complex derivatives and hedging trades, businesses of all sizes will enjoy automation and autonomy previously limited to professional traders.
Conclusion
With the support of Automate and Hey Anon, DeFAI is paving the way for a brand new era of AI-driven financial trading. By removing barriers in traditional finance—such as slow settlements, high compliance costs, and multiple intermediaries—Web2 agents are evolving into powerful, always-online “financial executors” capable of executing complex logical operations at lower costs and in shorter timeframes.
For businesses: This means more efficient operations, instant global payments, and a richer array of financial tools, all with minimal additional overhead.
For developers: Automate's strict toolkit and open-source nature provide a plug-and-play method to seamlessly connect Web2 systems with DeFi protocols, accelerating technological innovation.
For the global economy: Lower transaction friction and higher transparency will help build trust, promote cross-border commerce, and spawn entirely new business models.
In summary, the combination of autonomous agents and blockchain is a natural progression—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 realized by any forward-thinking Web2 business or developer.
Welcome to a new phase of financial automation, ready to witness Web2 agents achieving self-reinvention in a trustless, borderless digital economy!
免责声明：本文章仅代表作者个人观点，不代表本平台的立场和观点。本文章仅供信息分享，不构成对任何人的任何投资建议。用户与作者之间的任何争议，与本平台无关。如网页中刊载的文章或图片涉及侵权，请提供相关的权利证明和身份证明发送邮件到support@aicoin.com，本平台相关工作人员将会进行核查。
