AlcancIA

Develop an AI agent that allows users to invisibly create Web3 wallets, set personalized savings goals, and form savings groups with friends. Funds will be managed through low-risk DeFi strategies using stablecoins, with incentives and penalties based on savings consistency. Technologies such as ElizaOS, Astar, and Hyperlane will be used to enhance user experience and enable cross-chain interoperability.

Objectives

Promote the habit of saving among individuals unfamiliar with blockchain by using an AI agent that helps them define and maintain personalized financial goals within a mutual support group.

Business Goals

    •    Web3 Adoption: Make it easy for non-technical users to enter the Web3 ecosystem through a simplified user experience.

    •    Encourage Saving: Promote saving habits in Mexico through accessible and collaborative digital tools via Telegram (or WhatsApp).

    •    Hackathon Participation: Integrate sponsor technologies (Hyperlane, MXNB (Bitso), Chipipay) to compete in the relevant tracks.

    •    Non-prioritized: Mantle and Soneium.

User Goals

    •    Interact with the blockchain using wallet addresses and assist in wallet creation without requiring prior knowledge.

    •    Set personalized savings goals (amount, duration, frequency).

    •    Form savings groups with friends and track collective progress.

    •    Receive incentives for maintaining savings consistency.

    •    Access financial tips and personalized reminders.

Non-Goals

    •    Implement MXN-to-crypto on/off ramp in this phase (to be simulated for the demo).

    •    Develop a full mobile or web application (the focus will be on Telegram).

    •    Support for multiple languages (Spanish will be the focus for the demo).

Product Triangle

Audience

    •    People with a bank account.

    •    Telegram or WhatsApp users.

    •    18+ years old.

    •    Individuals who want to save but don’t know how to start.

    •    Not crypto or blockchain experts.

What problem does it solve, and why now?

    •    Informal and inefficient saving practices.

    •    Lack of accessible tools for financial goal setting.

    •    Weak financial education.

    •    Blockchain is powerful but largely inaccessible.

    •    Telegram and AI can bridge both worlds.

What WILL it do?

    •    Create wallets for on/off ramp interaction without technical knowledge.

    •    Define personalized savings strategies using AI.

    •    Enable users to form savings groups with friends.

    •    Incentivize consistency through variable yields.

    •    Penalize missed contributions via interest redistribution.

    •    Provide clear visualization of savings and progress.

    •    Simulate SPEI for the demo.

What will it NOT do?

    •    Offer complex or high-risk yields.

    •    Act as a wallet, bank, or traditional savings group (“tanda”).

    •    Allow direct user interaction with DeFi protocols.

    •    Display other users’ information.

    •    Include full web or mobile interfaces.

What WILL it be?

    •    An AI agent on Telegram (WhatsApp in the future).

    •    An open-source app focused on community saving.

    •    A yield generator using stablecoins.

    •    A tool for financial education and habit-building, not traditional finance.

What will it NOT be?

    •    A provider of regulated financial services.

    •    A social network.

    •    A replacement for traditional banking tools.

    •    A platform for trading or speculative investments.

    •    A wallet.

KPIs (How We Measure Success)

    •    Number of savings groups created.

    •    Percentage of users meeting their weekly goal.

    •    Number of savings cycles completed per user.

    •    MAUs and 30/60/90-day retention.

    •    Failure vs. success rate per week.

    •    Percentage of users coming from informal saving methods (tanda, piggy bank, etc.).

    •    Successful referrals (viral loop on Telegram/WhatsApp).

User Stories

    1.    Strategy Creation: As a new user, I want to create a strategy linked to a wallet address, with assistance in creating a Web3 wallet effortlessly so I can start saving.

    2.    Set a Savings Goal: As a user, I want to define my savings goal by specifying the amount, duration, and frequency.

    3.    Form a Savings Group: As a user, I want to invite friends to join a savings group so we can motivate each other.

    4.    Make Contributions: Make deposits to meet your savings goal.

    5.    Track Progress: As a user, I want to see my own progress and my group’s progress to stay motivated.

    6.    Receive Incentives: As a consistent user, I want to earn rewards for making my periodic contributions.

    7.    Get Reminders: As a user, I want to receive notifications reminding me to make my contributions and offering financial tips.

Technical Considerations

    •    ElizaOS: A framework for building the Telegram agent, enabling personalized interactions and state management.

    •    Hyperlane (Eigen Layer): Enables interoperability between Arbitrum and Soneium, allowing asset and message transfers across chains.

    •    DeFi Vaults: Implementation of low-risk stablecoin strategies to generate yield on the collective savings group funds.

    •    On/Off Ramp Simulation: For the demo, MXN-to-crypto conversion will be simulated via hardcoding, with no actual SPEI integration.

     Chains to be used:

    •    StarkNet

    •    Arbitrum

    •    Soneium

    Assets to be used:

    •    ASTR

How Does the Penalty System Work?

Goal: Gamify consistency and generate positive social pressure.

Mechanics

    1.    Weekly → Checkpoint

    •    The AI agent verifies whether the user made their contribution.

    •    If not, the user is marked as “failed.”

    2.    Penalty for Failing

    •    The user loses the right to earn interest for that week.

    •    Bonus: their share of the interest is redistributed among those who did contribute.

    •    This encourages:

    •    Active participation.

    •    Light social pressure (without shaming).

    •    Greater rewards for consistent users.

    3.    Recovery

    •    If a user fails 3 times in a row, they are removed from the savings group, with the option to withdraw their funds.

Github Link: 

https://github.com/robz323/ethcdm-alcancIA.git

Video:

https://drive.google.com/file/d/1Iodg3RHRERgYG6VP3OVLLjvYNdcx8wES/view?usp=sharing