MyDay is a behavioral savings protocol where users stake money on completing daily habits.
Each day, users stake cUSD ($5-500) on an atomic habit via Telegram—"I'll bike to work today" (car-free day), "No social media for 24 hours" (digital detox), "Read for 30 minutes" (learning), "Cook dinner at home" (no takeout), or "3 hours deep work" (productivity). Complete the habit, log proof, and the stake deposits into your time-locked savings vault earning 5% base APY. Maintain consistency and unlock bonus rates: 30-day streak earns 5.5%, 90-day streak earns 6.5%, up to 8% at 365 days.
The daily staking creates onchain habit records via ERC-8004, building verifiable behavioral reputation that other Celo apps can query for creditworthiness or governance access.
Built as an autonomous AI agent using Claude for Telegram-based coaching and SelfClaw for anti-bot verification. Yield comes from AAVE. Users withdraw accumulated stakes plus interest when the vault unlocks (3-12 month lock periods).
Solves the core problem: people struggle with both discipline and savings. Daily financial stakes on habits create accountability while building wealth automatically.
This addresses two global challenges:
Target users:
Why it works:
Financial stakes create real consequences. When you put $5 on the line
for your morning workout, you're 3.2x more likely to complete it
(behavioral economics research). Over time, this builds both discipline
AND wealth—addressing two needs with one solution.
Unlike existing habit apps (no financial component) or savings apps
(no behavioral component), MyDay Agent bridges both domains. You don't
just track habits—you get paid for building discipline.
REAL-WORLD UTILITY
Built for the Celo hackathon to demonstrate how AI agents can deliver
genuine economic utility—not speculation, but practical savings through
behavioral change.
73% of people abandon habit-tracking apps within two weeks. Why?
Because there's no real consequence for failure. You can ignore
notifications, skip workouts, and break streaks with zero penalty.
Traditional habit apps rely purely on willpower—which consistently fails.
Meanwhile, billions of people worldwide struggle to save money. They
have income, but lack the discipline to consistently set money aside.
Generic savings apps don't address the root issue: behavioral commitment.
MyDay Agent combines behavioral psychology with blockchain-based financial
commitment to solve both problems simultaneously.
How it works:
Users interact with our Telegram bot to set daily habits (10K steps,
30-minute workout, no sugar, deep work session, etc.)
Each day, they stake money ($5-20) on completing their habit
When they complete the habit, the staked amount locks into a time-locked
savings vault on Celo (3, 6, or 12 months)
If they miss the habit, they forfeit the stake to a community charity pool
At the end of the lock period, they harvest their accumulated savings
plus 5% APY yield
The AI agent (powered by Claude) acts as an intelligent coach:
THE TECHNOLOGY
Built on Celo for:
Integrations:
Smart contracts manage:
