Over 10 million MiniPay wallets hold idle cUSD across the Global South.
Almost none of it is working toward anything.
Not because users don't have goals — because no tool has ever asked them
what those goals are, then actually helped them get there.
AutoPilot Wallet changes that.
Tell the agent what you're saving for:
"I want $500 for my daughter's school fees by September."
AutoPilot asks the right questions — your income, your timeline, your
risk comfort — then builds a personalized strategy and executes it
autonomously. It allocates across Aave V3 for stable yield,
Uniswap V4 LP positions for higher returns, and Tether Gold (XAUT)
as an inflation hedge — continuously rebalancing as markets shift and
your goal gets closer.
No pool-hopping. No manual approvals. No dashboards to babysit.
Just a goal, a plan, and an agent that never stops working toward it.
Built natively on Celo using ERC-8004 for persistent agent identity,
x402 for autonomous payment execution, and cUSD as the settlement
layer — so users never touch a volatile asset unless they choose to.
This isn't a DeFi dashboard with an AI label slapped on it.
It's the first savings agent that understands what you're saving for.
Your money should work toward something — even when you don't know how
to make it.
Most financial tools are built for people who already understand finance.
AutoPilot is built for everyone else — the MiniPay user in Accra saving
for school fees, the gig worker in Manila building an emergency fund,
the first-time wallet holder in São Paulo who has a goal but no roadmap.
We believe the gap isn't access to DeFi. It's the missing layer between
a person's real financial goals and the on-chain infrastructure that
could serve them. AutoPilot closes that gap — not by simplifying DeFi,
but by making it invisible.
The outcome is all the user ever needs to see:
a goal, a plan, and steady progress toward both.
Over 1.5 billion people globally have mobile wallets — but no way to
grow what's in them toward something that matters.
DeFi protocols exist, but using them means knowing which pools to enter,
when to rebalance, how to avoid impermanent loss, and when to exit.
That's not a skill gap. That's a design failure.
But the deeper problem isn't complexity. It's that no tool has ever
connected a person's real financial goal — school fees, a small
business, an emergency fund — to the DeFi infrastructure that could
actually help them reach it.
The result is predictable: billions in idle stablecoins sitting in
wallets, earning nothing, while the people who need financial growth
the most have no bridge between their goals and the tools that could
serve them.
MiniPay alone has 10M+ activations across the Global South.
Most of those wallets have never interacted with a single DeFi protocol —
not because users don't have goals, but because no one built the layer
that connects those goals to on-chain capital allocation.
AutoPilot is that layer.
AutoPilot is a conversational savings agent with a persistent on-chain
identity via ERC-8004 and autonomous execution rights via x402.
It doesn't ask you to understand DeFi. It asks you what you want —
then figures out the rest.
Step 1 — Goal Setting (Conversational)
The agent opens with a simple question: "What are you saving for?"
From there it asks what it needs to know:
"What's your monthly income?"
"How much can you set aside each week?"
"How would you feel if the value dipped temporarily to grow faster
long-term?"
Based on your answers, it runs a feasibility analysis and proposes a
personalised strategy. You approve it in one tap.
Step 2 — Three-Layer Allocation
The agent splits your growth pool across three instruments based on
your goal timeline and risk tolerance:
Aave V3 (Stable Yield) — idle cUSD earns lending yield,
compounded automatically. Low risk, predictable returns.
The foundation of every strategy.
Uniswap V4 LP Positions (Higher Returns) — for users with
moderate risk tolerance and longer timelines, the agent enters
cUSD/USDC stable LP positions to capture trading fees on top
of base yield.
Tether Gold / XAUT (Inflation Hedge) — for longer-term goals,
a portion is allocated to XAUT via Mento currency swaps, protecting
purchasing power against local currency inflation. Critical for
users in high-inflation economies.
Step 3 — Continuous Optimisation
The agent doesn't set and forget. It monitors:
The Safety Floor
The user's minimum balance is enforced at the smart contract level —
not the application level. The agent has no access to it. Ever.
Token approvals are bounded per execution cycle. No infinite approvals.
Step 4 — Progress & Celebration
Weekly plain-language updates show exactly where you stand:
"You're 34% toward your $500 goal. At this rate you'll hit it
by August — one month early. Your agent earned $3.20 this week."
When you hit your goal, the agent celebrates — and asks what's next.
Global