DeFi Merging with AI: How DeFAI's Three Core Scenarios Promote the Evolution of Decentralized Finance

Heyanon.ai will launch the public beta version of 'AI-driven DeFi interactive interfaces, autonomous DeFi smart agents, and research and information interactive agents' at the end of January. This article is sourced from a piece written by Daniele and organized and edited by PANews. (Background: Will AI be the narrative thread of this cycle? A look at the development status of various AI agents from the platform comparison) (Background Supplement: Sam Altman looks ahead to 2025: The first AI agents will flood into the labor market, getting closer to AGI...) Since its inception, decentralized finance (DeFi) has always centered around empowering individuals with asset autonomy and eliminating traditional intermediaries, aiming to build an open global financial ecosystem. However, despite rapid development in DeFi, its complex user interfaces, numerous protocols, and high-risk operational decisions still deter many users. The next phase of DeFi — DeFAI, which is the deep integration of artificial intelligence (AI) and decentralized finance, is reshaping this field. By introducing advanced AI technology to simplify user experience and optimize financial decision-making processes, DeFAI aims to lower entry barriers and achieve more autonomous and efficient financial interactions. This article will delve into the three core application scenarios of AI in DeFi and analyze how it drives the evolution of decentralized finance. 1. AI-driven DeFi Interactive Interface DeFi users, whether newcomers or seasoned players, often face the complexity of executing transactions across multiple protocols. The existing process typically includes: Accessing decentralized applications (dApps); Connecting wallets (such as Metamask, Ledger, or Phantom); Entering transaction details; Confirming transactions multiple times and verifying contract addresses. This cumbersome operational process is both time-consuming and prone to errors, especially when using multiple DeFi protocols. The AI-driven interactive interface significantly simplifies this process. Users can directly issue commands in natural language, such as: 'Swap 3 ETH for USDC' or 'Provide liquidity in the ETH-USDC pool.' In the background, AI will automatically complete: Analyzing user requests; Searching for the best liquidity sources; Generating transaction data; Prompting users to select a wallet for signature operations (whether custodial or self-custodial, such as Ledger or Phantom). AI's involvement minimizes the complexity of the transaction process, requiring users only to complete the final signature. DeFAI greatly enhances user experience by eliminating operational redundancies, helping more users easily enter the DeFi space. 2. Autonomous DeFi Smart Agents While the AI interactive interface simplifies the trading process, the real transformation lies in the introduction of autonomous DeFi smart agents. These AI agents can control hot wallets and execute complex multi-step financial strategies based on natural language commands, achieving full-chain automated trading. For example, users only need to input the following command: 'Bridge ETH from the mainnet to Base, swap half for USDC, use both tokens to create a liquidity pool on Uniswap v2, and return the LP tokens to the main wallet.' The smart agent will automatically execute the entire process, including: Selecting a secure cross-chain bridging protocol; Planning the optimal swap path; Creating a liquidity pool on decentralized exchanges (DEXs) like Uniswap; Returning the generated LP tokens to the user's wallet. This system not only performs complex transactions but also dynamically optimizes security and costs. AI will automatically check protocol reputations, compare transaction fees, monitor slippage, and choose the path with the lowest cost, fastest speed, and highest security. Autonomous DeFi agents effectively reduce user operational risks, making complex financial operations intuitive and controllable. 3. Smart Research and Information Interactive Agents As DeFi continues to expand its suite, the amount of information users need to process also increases. Price data, on-chain analysis, protocol documents, governance forums, and social media discussions create an overwhelming flow of information. Sorting and verifying this information before making fund allocation decisions is a full-time job. Research and information interactive agents are another important application scenario of DeFAI. These agents connect to multiple data sources such as on-chain browsers, market data interfaces, GitHub code repositories, and governance forums, helping users quickly access and interpret key data. Users can issue queries to this agent such as: 'What is the best yield strategy for ETH based on my current portfolio?' 'Can you find a similar token with a market cap larger than $ANON? What are their key differences? How much does $ANON need to rise to reach a similar market cap?' Users do not need to spend hours or even days manually researching, verifying, and cross-checking multiple sources of information; instead, they rely on the research agent to provide concise, data-driven recommendations and insights. This not only saves time but also ensures that users obtain the latest information from numerous credible sources, allowing them to focus on higher-level decision-making. Powered by Heyanon.ai The above three DeFAI application scenarios — natural language trading interfaces, autonomous DeFi smart agents, and research and information interactive agents — are all led by Heyanon.ai and are set to launch a public beta version at the end of January. These tools aim to lower the barriers for users to enter the DeFi market, enhance trust, and promote the widespread adoption of decentralized finance among a broader audience. Through automated transaction generation, on-chain information verification, and complex financial operation execution, DeFAI is leading a financial revolution, allowing users to truly achieve asset autonomy and freely choose centralized or decentralized financial tools without facing cumbersome technical challenges. Future Outlook for DeFi: Lowered Thresholds, Increased Freedom From traditional manual interactions via Metamask to AI-assisted transaction generation and multi-step autonomous trading agents, DeFi is entering a new chapter of technological transformation. The deep application of AI in the DeFi space will significantly enhance user decision-making efficiency, optimize risk management, and achieve a seamless on-chain interaction experience. In this new landscape, whether seasoned crypto investors or DeFi newcomers can easily manage assets, execute complex transactions, and avoid asset losses due to human error or information gaps with AI tools. As DeFAI tools like Heyanon.ai continue to develop and mature, decentralized finance will enter a more inclusive, secure, and efficient new era. DeFi is no longer a domain exclusive to niche players but a universal financial system accessible to users worldwide. The arrival of DeFAI not only signals the next phase of decentralized finance but also accelerates DeFi's evolution from a niche market to a mainstream market. Related Reports CES 2025 is coming next week) Bank of America predicts NVIDIA will announce its entry into the AI PC market! There’s a small chance of launching CPUs. Embrace real information and users, beware of conspiracy groups. Messari’s six crypto predictions for 2025: ETH's strong comeback, Peaq may surpass all L2s, AI Agent hype peaks? 'DeFi Merging with AI: How DeFAI's Three Core Scenarios Promote the Evolution of Decentralized Finance' was first published on Dongqu...