UniversalX has launched an airdrop, and I am not on the list. Watching a group of generals showing their victory results, the author can only be jealous silently. By the way, I will turn envy into strength and write an article to soothe my emotions. As I deepen my research on the AI + Crypto track, I have a clearer understanding of the future path of AI + CRYPTO. I believe that the ultimate form of AI + Crypto in the future will be a decentralized intelligent financial system. This system will be fully automated, transparent and efficient, allowing any user - even a novice without a financial background - to easily participate in financial activities. In this system, AI will play a core role, responsible for all aspects from asset management to risk assessment to decision-making, while blockchain technology, zero-knowledge proof, privacy security and other technologies will ensure the security of funds and the transparency of operations.
In my opinion, the ultimate form of AI+Crypto in the future has the following key features:
Automation: AI monitors the market in real time, automatically executes transactions and adjusts asset allocation to optimize returns.
Transparency: All operations are recorded on the blockchain and can be viewed and verified by users at any time.
Efficiency: AI uses big data analysis and machine learning to quickly identify market opportunities and reduce human errors.
User-friendly: AI provides users with personalized financial services without the need for professional knowledge, which can be understood as a form of chain abstraction.
Next, I will give a simple example to illustrate what the ultimate form of Crypto+AI will be like?
AI + Crypto DeFi scenario suitable for novice users: automated portfolio management
Suppose there is already a product in the future called, an application called "". This example shows how AI + DeFi can make complex financial operations simple and easy to understand.
Scenario Description
Imagine you are a complete novice who doesn’t know anything about finance and wants to save enough money to buy a house in 5 years through investment. You download a mobile app called “CryptolessX” and after registering, you only need to enter two simple things:
Investment goal: For example, “I have 100,000 U now, and I want to buy a house within 5 years, with the goal of saving 500,000 U.”
Risk preference: For example, "I am willing to take moderate risk."
Then, AI will take over and automatically manage your investments. You don’t need to understand blockchain, DeFi protocols, or market analysis, AI will do it all for you.
Specific steps
User input You tell the app your goals and risk tolerance, such as "I want steady growth and don't lose too much."
AI Analysis AI will analyze your financial situation (such as how much money you have available to invest), current market trends, and historical data, and then recommend an investment strategy that is best for you.
Asset allocation AI automatically allocates your money to different DeFi protocols, such as:
Put a part of it on a lending platform to earn interest.
Put a part of it into the liquidity pool to get transaction fees.
Put a portion into yield farming to pursue higher returns.
Put a portion into RWA products to capture the interest of US debt
Real-time adjustment AI monitors the market 24 hours a day. If an investment performs poorly, it will automatically adjust and move the money to areas with greater potential to ensure maximum returns.
Risk Control If the market fluctuates suddenly, AI will predict the risks and take hedging measures (such as reducing high-risk investments) to protect the safety of your funds.
User Experience
Simple interface When you open the app, you only see a clear dashboard showing:
Current total asset value: for example, "100,000 yuan".
Expected return: for example, “expected to reach 500,000 yuan in 5 years”.
Risk level: Indicated by color, such as green represents "low risk".
Smart Notification If there is a big market fluctuation, AI will send you a message to remind you: "The market has changed a lot, the strategy has been adjusted, and the expected return will remain stable."
Educational function If you are curious, the AI will simply explain what it did, such as: "I put 20% of my funds into stablecoin lending because it is safe and has an annualized return of 5%."
The role of AI
Asset Management: AI selects the most suitable DeFi product based on your goals.
Risk Assessment: AI analyzes market data to ensure that the risk of your portfolio is within your acceptable range.
Decision Making: AI predicts market trends and automatically decides when to buy or sell.
Why is this the ultimate form of Crypto + AI?
In an ideal form, if crypto wants to truly integrate into traditional finance and truly break through the circle to expand its influence in the global financial community, for example, it must be the most user-friendly, and chain abstraction + AI is the last piece of the puzzle for crypto to break through the circle. In the ultimate form, the Crypto financial system will have the following three characteristics.
Users do not need professional knowledge. Users do not need to understand what smart contracts, liquidity pools or yield farming are. AI handles all the complex technical details and can present them in a more friendly and simple way.
Personalized service AI tailors investment plans based on your specific goals and risk preferences, rather than a cookie-cutter template.
Security and Trust The blockchain ensures that your money will not be misappropriated at will. The automated operation of AI and the transparent, tamper-proof technology of the blockchain avoid human errors or emotional decisions.
Summarize
The ultimate form of AI + Crypto in the future is a decentralized intelligent financial system that completely changes the way ordinary people participate in finance. For novice users, applications like "CryptolessX" are the best examples: you only need to tell AI your goals, and it will automatically help you invest, manage risks, and achieve wealth growth. This simple, transparent, and efficient experience is exactly the potential that AI + DeFi brings to the future. Let's wait and see!
