Key Takeaways
- Coinfello launched an AI agent using plain language to automate 1-prompt DeFi strategies.
- Minchi Park predicts AI agents will force dApps to focus on net yields rather than top UI designs.
- CEO jacobc.eth confirmed 2-step manual processes will be automated while users keep 100% wallet custody.
Replacing Interface Friction with Intent-Driven Prompts
Decentralized finance platform Coinfello has launched a major upgrade to its AI agentic platform, designed to let cryptocurrency users build, execute, and automate complex on-chain strategies using plain-language prompts. The update introduces an intent-driven framework that eliminates manual, multi-step interface interactions. This allows users to describe a financial strategy once and have the agent manage execution, monitoring, and safety guardrails in the background.
Traditionally, managing yield strategies, portfolio rebalancing, or loan health has required juggling multiple decentralized applications (dApps), manually approving transactions, and monitoring markets around the clock. Known as Fello 2, the upgraded platform replaces this friction with a single prompt. Upon receiving a command, the agent parses the conditions, constructs an execution plan for user review, and handles continuous background tracking.
According to a media statement, users with standard externally owned accounts (EOAs) can direct the agent to monitor existing positions for risk or yield shifts without creating a new wallet. An automation wallet is required only when authorizing active fund transfers. Operating through a non-custodial delegation model, the agent never holds private keys and actively pre-screens transactions to reject approval-phishing attempts, wallet-draining scripts, and blind-signing requests.
Minchi Park, COO and co-founder of Coinfello, said natural language interfaces address a fundamental misconception in Web3 user experience by separating tool mechanics from financial literacy. Park emphasized that users who understand financial risk and hedging are often deterred not by financial logic, but by the operational tax of navigating multiple chains, wrapping tokens and managing protocol approvals.
“That is not a finance learning curve. It’s a tooling learning curve, and we’ve spent years mistaking one for the other,” Park said. “Plain language deletes the requirement to learn it at all.”
Park explained key operational insights behind agentic automation to Bitcoin.com News. She noted that while crypto users rarely drop off during initial setup, they often quit weeks later due to maintenance fatigue—such as unclaimed yield, position drift, and missed rebalancing. Furthermore, simple automated tools fail because they execute basic thresholds without priority logic.
Plain-language agents, on the other hand, excel at complex exceptions—such as prioritizing margin defense over principal repayment during volatile late-night market dips. These AI agents eliminate sunk-cost bias and human hesitation by calculating true net returns, factoring in gas, bridging and protocol fees, while choosing to remain idle when moving capital is unprofitable.
Redefining Competition Across dApps
As agentic workflows expand, Park predicts that dApp front ends will become secondary to contract legibility and net performance.
“If a user’s entry point is a sentence, your interface stops being how you’re evaluated,” Park said. “The dApps that do well in that world won’t be the ones with the best interface. They’ll be the ones whose economics survive being read honestly by something that isn’t impressed by a landing page.”
Coinciding with the Fello 2 launch, Coinfello introduced a rewards program paid in MON, the native token of the Monad network. During an initial promotional launch period, Coinfello will distribute 100% of eligible swap fees back to active users and their referrers. Users earn an ongoing percentage of swap fees generated by their direct referrals without a cap.
Future updates will allow earned rewards to be deposited directly into a self-custodial account managed by Fello for automated compounding.
“The hardest part of DeFi isn’t one thing; it’s two: knowing the right move, and then actually making it, over and over again,” said jacobc.eth, co-founder and CEO of Coinfello. “Through a single prompt, Fello 2 transforms the manual steps in the process into automations. You describe it once, and the automation handles the schedule, the steps, and the conditions in between—on a wallet you own, with nothing executed you didn’t approve.”
