FX-risk intelligence and autonomous protection for businesses that earn in one currency and must purchase in another
DiversiFi is an FX-risk intelligence and autonomous protection layer for businesses that earn in one currency and must purchase in another. We quantify the currency drag on working capital and autonomously flatten it — every decision recorded on the chain where the money moves, with AI reasoning anchored to 0G. The retail savings app is top-of-funnel; the business intelligence layer is the real product. The philosophy/values system is the retention moat. Full pitch:
docs/product.md.
Two things make DiversiFi unique. Everything else is commodity:
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FX-risk intelligence layer — the ability to quantify and autonomously flatten currency risk for a business that earns in one currency and must purchase in another. A Ghanaian importer buying from China in USD. A US retailer sourcing from the Eurozone. A UK business paying suppliers in USD. The currencies change; the problem is identical. No player in the market offers FX risk quantification + autonomous protection.
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The philosophy/values system — no other product in DeFi or fintech has this. It's not a feature; it's a structural moat that creates identity-based retention and cultural community.
Current state (2026-07-12): The philosophy/values system and the retail FX-risk moment are live in the app. The SME business layer (importer archetype, purchase cycles, per-cycle drag reports, cycle-aware Guardian execution) is the north star and is sequenced in docs/sme-fx-implementation-plan.md. The concierge FX drag report is already validating the math with real traders.
The DiversiFi Guardian is the autonomous agent that executes this protection — routing capital between Celo/Mento (local stablecoins, low-cost savings), Arbitrum (deep liquidity, RWA yield), and HashKey Chain (APAC regulated-market savings), with on-chain proof of every decision.
Live App: https://diversifiapp.vercel.app
Each chain has a genuine, irreplaceable role. The ledger of record follows the money — decisions settle on the chain where the action executes, not on a single canonical chain.
| Layer | Chain | Role | Why this chain |
|---|---|---|---|
| Savings + Identity | Celo | Hold, save, rebalance across local stablecoins (cUSD, cEUR, cREAL, KESm, COPm, PHPm). RecommendationLedger records savings decisions here. ERC-8004 agent identity. |
Regional Mento stablecoins exist nowhere else. Near-zero fees. SocialConnect ODIS identity. GoodDollar UBI. |
| Yield + Execution | Arbitrum | Deep-liquidity DEXs and RWA yield (Uniswap V3, 1inch, Camelot, PAXG, USDY, SYRUPUSDC). RecommendationLedger records yield decisions here. EIP-7702 path to on-chain ERC-7710 permission enforcement. |
Deepest USDC + RWA liquidity. EIP-7702-capable for true on-chain permission enforcement. |
| Evidence + Verifiability | 0G | Content-addressed Storage (evidence CIDs), TEE-verified Compute, DA (state snapshots). The tamper-proof evidence layer that both ledgers reference. | No other chain offers storage or verifiable inference. 0G is not the ledger of record — it is the proof layer. |
| Money Movement | Arbitrum / Arc / 0G (env-gated) | x402 nanopayment settlement rail for paid intelligence. SETTLEMENT_NETWORK=ARBITRUM|ZERO_G|ARC, SETTLEMENT_ENV=testnet|mainnet. |
Arbitrum has live Circle USDC on mainnet today; Arc and 0G mainnet settlement remain pending verified USDC contracts. |
| APAC savings + settlement | HashKey Chain (177) | Regulated-market savings ledger for East/SE Asia — Confucian / Gotong Royong hold/save decisions. Yield still executes on Arbitrum. Mainnet deploy pending HSK gas. | Fills the geographic + trust gap Celo (EM stables) and Arbitrum (global yield) do not cover. See docs/apac-rail.md. |
AI Reasoning Engine (Gemini → Venice → 0G Serving → Modal): Multi-provider failover chain. Each response is tagged with the provider that produced it.
x402 Settlement Rail (Autonomous Economics): Premium intelligence flows are gated by HTTP 402 challenges settled on the configured rail (ARBITRUM recommended for mainnet, ZERO_G default, ARC optional; testnet or mainnet). External agents pay USDC to consume Mento depeg + inflation + yield intelligence.
- Intelligence Gateway: x402-gated Mento depeg + inflation + yield intelligence, open to any agent via SDK. The Guardian is the reference consumer; external agents are consumers #2+.
- Chain-Aware Ledger:
RecommendationLedgerrecords decisions on the chain where the money moves — Celo for savings, Arbitrum for yield. Each entry references a 0G Storage evidence CID. - Guardian Pulse: AI-synthesized market insights, powered by real-time data and anchored for truth via 0G.
- Proactive Pilot: Autonomous rebalancing intent discovery, allowing users to approve complex financial strategies with one tap.
- 0G Audit Trail: An in-app dashboard to verify the raw evidence and decision logs of your agent.
- Chain-Aware Routing: Guardian chooses Celo for EM stable-savings, Arbitrum for liquidity/RWA yield, and (planned) APAC rail for regulated-market Asia savings. Each chain has a verified ledger of record where the money moves.
- Frictionless Onboarding: Secure, social-login-first (Privy) UX that abstracts away the complexity of managing agent wallets.
- ERC-8004 Agent Identity: agentId 9654, registry
0x8004A169FB4a3325136EB29fA0ceB6D2e539a432— Celoscan tx - RecommendationLedger (savings decisions of record):
0x3BCf7dFd68ce98880618c89A351168960724369C— ✅ source verified - First recommendation:
0xea1b169a…— Mento rebalance to cUSD, confidence 82%
- RecommendationLedger (yield decisions of record):
0x3BCf7dFd68ce98880618c89A351168960724369C— ✅ source verified - First recommendation:
0x2a034aad…— yield rotation USDC→USDY, confidence 85% - Deployment:
forge script scripts/DeployRecommendationLedger.s.sol --rpc-url arbitrum_one --broadcast
- RecommendationLedger (evidence anchor):
0x3BCf7dFd68ce98880618c89A351168960724369C - First recommendation:
0x981086b4…— evidence anchor, confidence 95% - Deployment:
forge script scripts/DeployRecommendationLedger.s.sol --rpc-url zero_g_mainnet --broadcast
- RecommendationLedger:
0xB393Fb70BE3DDE41e3238339E69A27A01Caa2996 - StrategyVault:
0xd83797702AE6ef15349e762B22bfe79322B46975 - AgenticHub:
0x72c78a27a47d07656bb6b606d7DB5Ae5F114bf92 - Deployment script:
./scripts/deploy-all.sh arbitrum_sepolia --verify
- 0G Galileo Testnet Mirror (chainId
16602):0xFADc8a7220Fa152eBE3Dfc5f7828Be289559D4ED - 0G Storage Evidence: Every Guardian recommendation uploads an encrypted evidence bundle (prompt + reasoning + sources) and records its CID in the chain-aware ledger.
- 0G Compute (Direct): High-impact decisions can be routed through TEE-verified providers with
processResponse()proof verification. - Verifiable AI Dashboard: Open the "Verifiable AI" tab in-app to view live evidence CIDs, serving-model IDs, and chain receipts.
|- Default rail: ZERO_G testnet; buildathon mainnet rail is ARBITRUM via SETTLEMENT_NETWORK=ARBITRUM + SETTLEMENT_ENV=mainnet (config-only)
|- Legacy testnet agent wallet (Arc Testnet): 0x6D5967e30dF504834DFD0aE38eFaC5DA4ac2DaC8
|- Arbitrum mainnet agent wallet: fund VAULT_PRIVATE_KEY with Circle USDC on Arbitrum (address shown in x402-metrics)
|- Arbitrum settlement contract: Circle USDC at 0xaf88d065e77c8cC2239327C5EDb3A432268e5831 (chainId 42161)
|- Settlement Metrics: https://api.diversifi.famile.xyz/api/agent/x402-metrics
|- Active explorer: returned by the metrics endpoint under settlement.explorerBase (legacy alias arcSettlement)
pnpm install
# Ensure .env.local is configured per docs/getting-started.md
pnpm devFor deep-dive documentation on our cross-chain architecture and settlement flow, see docs/architecture.md.