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Launch ZeFi
Live · open to everyoneAsk. Plan. Execute onchain.

Ask crypto anything — plan it, verify it, execute.

Research markets, understand your wallet, model complex transactions, and turn natural-language intent into verified onchain actions.

Launch ZeFiExplore Routefold
ZeFi — AI that turns crypto prompts into verified onchain actions | Product Hunt

Available now — assistant, wallet intelligence, transaction planning, local simulation.

Swap and bridge execution are plan-only until a routing provider is connected. See what runs today.

ZeFi Intelligence
Illustrative

“Move $2,000 of USDC from Base to Solana using the safest route.”

Interpreted intentconfidence 0.94
BRIDGEBaseSolana
Asset
USDC
Amount
2,000 (USD-denominated)
Priority
safest

Still needed

Which Solana address should receive the USDC?

ZeFi asks rather than assumes. A Base address is not valid on Solana, so it will not infer one.

Transaction planMissing information
BaseBurn & mintSolana
Est. network cost
0.00021 ETH · $0.71
Est. execution time
~2 min
Steps
3 · 1 needs a provider
Simulation
Local checks only

Main risk

Route crosses virtual machines

Review plan

Example figures. Nothing is submitted without your explicit approval and your wallet’s signature.

From intent to execution

Six stages sit between
a sentence and a signature

Natural language on its own is not enough to move money. ZeFi puts verification and simulation between the prompt and the transaction — and shows you every stage.

  1. 01 · Prompt

  2. 02 · Intent

  3. 03 · Plan

  4. 04 · Simulation

  5. 05 · Approval

  6. 06 · Onchain action

01Prompt

A sentence, not a form

The user writes what they want in their own words. No chain selector, no token dropdown, no hex.

Input sanitised · framed as untrusted data · 4,000 character ceiling

02Intent

Language becomes structure

ZeFi extracts a typed intent — action, networks, asset, amount, recipient, priority — and scores its own confidence.

Forced tool call · Zod-validated · one repair attempt, then an error

03Plan

Structure becomes a sequence

A deterministic planner resolves every reference against the chain registry and builds the ordered steps. The model never supplies an address, an amount or a fee.

Registry lookup · EIP-55 checksums · exact-amount approvals only

04Simulation

The plan is tested before it is offered

Chain, asset, decimals, balance, recipient and approval scope are checked deterministically. A check that could not run is reported as skipped, never as passed.

Local validation always · deep simulation when a provider is configured

05Approval

A human decides

ZeFi states in plain language what will happen, what it costs, and what could go wrong — then waits. The confirm control names the real action.

“Review 250 USDC transfer” · never “Execute instantly”

06Onchain action

The wallet signs, not ZeFi

The transaction is handed to the connected wallet. ZeFi holds no keys and takes no custody. It tracks the hash and explains what happened.

Idempotent recording · status tracking · explorer link

ZeFi Intelligence

The assistant that
knows what it cannot see

Most crypto assistants are a chat box in front of a search index. ZeFi Intelligence is wired into a chain registry, a wallet reader, and a deterministic planner — and it is explicit about the boundary between them.

Explore the intelligence layer
Stablecoin Exposure Review
Illustrative

How much stablecoin exposure do I have?

Across the three networks ZeFi read at 09:41 UTC, 24,660.55 USDC is about 51% of the 48,213.55 total — all of it USDC, none in USDT or DAI.

That concentration is a single-issuer position as much as a currency one: every one of those units depends on the same redemption process. Splitting across issuers changes the failure mode, though it does not reduce it.

This covers the assets in ZeFi’s verified registry. Tokens outside it are not included in the total.

Example exchange. In the product these figures come from a live read of your connected wallet, and the reply is generated by the configured model.

  • Explains, without hedging

    Protocol mechanics, contract behaviour, and the trade-offs a decision actually turns on — answered at the depth the question deserves.

  • Reads your wallet, and cites the time

    Balances come from your connected wallet over configured RPC endpoints. Every figure carries the moment it was read.

  • Turns intent into a typed plan

    A sentence becomes an action, networks, an asset, an amount and a recipient — validated against the registry before anything is built.

  • Says when it does not know

    No live price, no balance read, no route quote — ZeFi reports the gap. It will not fill a missing number with a plausible one.

Transaction plan

Understand before
you sign

This is the plan interface itself, not a picture of it. The same component renders inside the application — same fields, same statuses, same account of what ZeFi cannot do.

Transaction planIllustrative
Ready for signature

You asked

“Send 250 USDC to 0x4E8F2A1b9C7D3e5f6A0B1C2d3E4f5a6B7c8D9E0F on Base”

ZeFi understood

Transfer 250 USDC on Base to a single external address.

SENDconfidence 0.97

Sequence of actions

1 step · 1 signable
  1. 1

    Transfer 250 USDC on Base

    An ERC-20 transfer call on the USDC contract. Your wallet signs it directly; ZeFi never holds the funds.

    Wallet signature
    Network
    Base
    Function
    transfer(address,uint256)
    Contract
    0x8335…2913
    Recipient
    0x4E8F…9E0F

Estimates

Network cost

0.0000164 ETH

$0.06

Slippage

Not applicable

Execution time

~4s

Approvals

None

Simulation

Local validation · local

Local validation passed. Deep simulation is not configured, so this transaction has not been executed against chain state.

  • pass

    Chain resolves to a supported network

    Base · chain id 8453.

  • pass

    Wallet is on the plan’s network

    Connected wallet matches the plan’s network.

  • pass

    Recipient address

    Checksum valid · 0x4E8f…9e0F

  • pass

    Asset resolves in the registry

    USDC · 6 decimals · 0x8335…2913

  • pass

    Amount is representable

    250 USDC encodes exactly at 6 decimals.

  • pass

    Balance covers the amount

    Balance 1,284.30 USDC.

  • pass

    No unlimited approvals

    This plan requests no token approvals.

  • pass

    Every step can be encoded

    All steps map to a known function on a registry contract.

Risk review

  • First transfer to this address

    Caution

    ZeFi has no record of you sending to this address before. Transfers are irreversible — check the full address, not just the first and last four characters.

  • Deep simulation is not configured

    Info

    Local deterministic checks passed. ZeFi has not executed this transaction against forked chain state.

Where these figures came from

  • ZeFi chain & asset registryregistry · Mar 18, 2026, 09:41 AM UTC
  • Illustrative fixture — Example figures for demonstration.illustrative · Mar 18, 2026, 09:41 AM UTC

Every plan requires explicit approval. Your wallet signs; ZeFi never holds funds.

Review 250 USDC transfer

Wallet intelligence

Your wallet,
in sentences

A balance list tells you what you hold. ZeFi tells you what it means — concentration, issuer exposure, gas headroom, and which positions carry contract risk you may not have priced.

Connected wallet

0x7a3F…9a0C

Illustrative

$48,214

Total

  • Base$24,180
  • Ethereum$15,922
  • Arbitrum$8,111
Stablecoin exposure51.1%
Issuers1 · USDC only
Networks read3

Covers assets in ZeFi’s verified registry only. Tokens outside it are not counted, and the interface says so rather than implying the total is complete.

ZeFi’s reading

Just over half this portfolio is a single issuer’s liability, not a currency position. Splitting across issuers changes the failure mode; it does not remove it.

Gas headroom is thin on Ethereum relative to the value held there — moving those positions later costs more than moving them now, and a congested day could leave the position stranded until the wallet is topped up.

  • Read-only by design

    ZeFi reads balances over configured RPC endpoints. It holds no keys and can initiate nothing on its own.

  • Timestamped, always

    Every figure carries the moment it was read. A balance without a time is a balance you cannot reason about.

  • Partial reads stay partial

    If a chain read fails, ZeFi reports the failure. It does not show a zero and let you infer the rest.

  • No custody, no exceptions

    ZeFi never requests or stores seed phrases or private keys. Connected wallets retain custody and sign directly.

RoutefoldA ZeFi company

Model the next chain
before you move

Routefold creates a Multichain Digital Twin of an onchain product and turns it into a ranked expansion strategy, architecture brief, risk register, and 30-day execution plan.

Launch RoutefoldRead the product page

Where ZeFi collapses many possible routes into one verified action, Routefold does the inverse — it takes one product and unfolds it into ranked destinations. Same company, opposite direction of travel.

Chain-fit scoreIllustrative
  • 01Base91

    Distribution depth, low fee floor, native USDC

  • 02Arbitrum One84

    Deepest DeFi liquidity, mature tooling

  • 03Solana76

    Highest throughput, non-EVM engineering cost

  • 04OP Mainnet71

    Superchain alignment, grant surface

Example scores for a hypothetical product. Real scores are produced against your own Multichain Digital Twin.

  • Multichain Digital Twin

    A structural model of the product: contracts, dependencies, liquidity assumptions, oracle surface, and the parts that do not travel.

  • Chain-fit score

    Each candidate scored against the twin — not against a generic leaderboard — so the ranking reflects your architecture.

  • Expansion graph

    Ordering and dependencies across chains, including which moves foreclose others.

  • Architecture brief

    What has to change per chain: bridging model, oracle sourcing, sequencer assumptions, key management.

  • Risk register

    Named risks with owners and triggers, covering bridge trust, liquidity fragmentation, and governance surface.

  • 30-day execution plan

    A sequenced plan with checkpoints, so the first two weeks are not spent deciding what the first two weeks are.

Safety and control

Your wallet
remains in control

An assistant that can move money is only as trustworthy as the boundary around it. ZeFi's boundary is architectural rather than aspirational — these are properties of how it is built, not promises about how it behaves.

Read the security model

  • ZeFi never holds keys

    There is no wallet client with a private key anywhere in the codebase and no path that transmits key material to a server. Your wallet signs; ZeFi supplies what is to be signed and the reasoning behind it.

    ZeFi never requests or stores seed phrases or private keys.

  • The model writes prose, not values

    Addresses, amounts, decimals, chain ids and contract references come from a curated registry and from validated user input. A language model cannot introduce any of them into a transaction.

    Model output and executable transaction data are structurally separate.

  • A check that did not run is not a check that passed

    Local validation covers chain, asset, decimals, recipient, balance and approval scope. Where a reading is unavailable the check reports “skipped”, and where deep simulation is unconfigured ZeFi says so rather than implying coverage.

    ZeFi never claims a transaction has been fully simulated.

  • Approval is explicit, and specific

    Every transaction requires a separate review screen and a confirm control naming the actual action. Approvals are planned exact-amount; ZeFi will not present an unlimited allowance for signature.

    No plan reaches a wallet without a human reading it first.

Coming next — not yet available

Agentic finance,
bounded by policy

ZeFi is not an autonomous system today, and this section describes work that has not shipped. The direction matters, though, because it determines what is worth building now: an execution layer is only useful if the constraints around it are real.

Policies a user would write

Planned
  • 01Never move more than 1,000 USDC in a day
  • 02Only interact with an approved contract list
  • 03Never sign an unlimited token approval
  • 04Keep at least 0.05 ETH available for gas
  • 05Rebalance only when an allocation drifts past a set threshold
  • 06Require manual approval above a specified value
  • 07Pause execution when simulation confidence is low

A policy is only meaningful if something other than the agent enforces it. That is why this work depends on smart accounts rather than on ZeFi promising to behave.

  • Smart accounts

    Policy enforced at the account, not in application code — so a bug in ZeFi cannot exceed the limits you set.

  • Session keys

    Narrow, expiring authority scoped to specific contracts and methods, rather than a standing signature.

  • Spending limits

    Per-transaction, daily and cumulative ceilings, checked before an agent is allowed to construct a call.

  • Approved-contract lists

    An allowlist an agent cannot extend. Anything outside it escalates to a human.

  • Time limits

    Authority that expires by default. A permission nobody revoked is not the same as a permission somebody wanted.

  • Revocable permissions

    One action revokes everything, on-chain, without depending on ZeFi being reachable.

  • Simulation requirements

    A policy can require a passing deep simulation before any autonomous action is submitted.

  • Human approval thresholds

    Above a value or a risk score, the agent stops and asks. The default is to ask.

Available now
  • AI crypto assistant
  • Wallet overview and portfolio explanation
  • Natural-language transaction planning
  • Transaction previews and local simulation
  • Risk and fee summaries
  • Persistent conversations
  • Routefold product access
Coming next
  • Swap and bridge execution
  • Smart-account permissions
  • Policy-controlled autonomous agents
  • Scheduled onchain actions
  • Conditional transaction execution

Company mission

Human intent.
Machine planning.
User approval.

Onchain finance has better rails than the system it is replacing and a worse interface than almost anything else people use. The knowledge required to act safely — which chain, which contract, which approval, which bridge, what it costs, what it risks — sits outside the tools, in the heads of people who have already made the mistakes.

Natural language closes part of that gap and opens a new one. A model can read intent well. It cannot be the thing that decides an address is correct, that decimals are right, that a balance covers an amount, or that a route is safe. Those are deterministic questions, and answering them with a probability is how people lose money.

So ZeFi puts the two together and keeps them apart. Interpretation is a language problem and we treat it as one. Verification is an engineering problem and we treat it as one. In between sits a plan a person can read, and a decision only a person can make.

Routefold belongs in the same company because it is the same problem at a different scale: a team choosing which chain to expand to is doing route selection with worse information and higher stakes than a user bridging USDC. One product resolves many routes into one action; the other unfolds one product into ranked destinations.

What ZeFi is

An AI company building the interface between human intent and onchain finance.

ZeFi is registered at zefi.ae. The domain is where the company operates — it does not imply a licence, a registration, or regulatory status of any kind, and ZeFi does not claim one.

Read about the company

Principles

  • Intelligence before execution

    Nothing is submitted that has not been explained.

  • Every action, explained

    If ZeFi cannot say why, it does not proceed.

  • Every route, verified

    Deterministic checks sit between a plan and a signature.

  • Your wallet remains in control

    Custody never moves. Not once, not partially.

Founder

Who is building this

Dan Reecer, founder of ZeFi

Dan Reecer

Founder

ZeFi exists because the gap between knowing what you want to do onchain and safely doing it is still filled by tribal knowledge — which chain, which contract, which approval, what it costs, what it risks.

Live · no waitlist

Ask. Plan.
Execute onchain.

ZeFi is open. No waitlist, no invite code. Start with a question about your wallet — it will show you its reasoning before it shows you a transaction.

Launch ZeFiExplore Routefold

ZeFi never requests or stores seed phrases or private keys. Connected wallets retain custody and sign transactions directly.