BYOB

BYOB (Be Your Own Bank) is a gamified savings and financial literacy app that combines learning with immediate action to help anyone, anywhere, build wealth through simplified DeFi yield strategies.

The app teaches financial literacy concepts through short, interactive lessons that directly connect to impactful actions like setting goals, choosing a risk profile and automating contributions.

For each goal - whether it’s an emergency fund, travel, or retirement - the app creates a dedicated savings wallet and automatically deploys funds into stablecoin yield opportunities aligned with the user’s risk profile. Low‑risk users are allocated into T‑bill‑backed stablecoins for steady growth, while higher‑risk users can leverage AI agents that scan cross‑chain DeFi protocols daily to find the best stablecoin yields.

Progress is gamified: users earn onchain badges (presented simply as collectibles) as they hit milestones, maintain streaks, or complete learning modules, which unlock new features and rewards over time. The experience will eventually abstract all crypto complexity away, allowing users to enjoy transparent growth and instant liquidity without interacting directly with protocols.

BYOB redefines the path to financial freedom by making saving and investing fun, safe, and accessible.

1inch Integration (Our Main Partner) We leverage 1inch's complete API ecosystem as the backbone of our platform: 1inch Portfolio API - Real-time portfolio tracking and balance aggregation across all chains and protocols 1inch Balance API - Multi-chain token balance fetching for comprehensive wallet views 1inch Charts API - Live token pricing and historical chart data (showcased with POL price charts) 1inch Price API - Real-time token valuations for accurate portfolio calculations 1inch RPC API - Reliable blockchain data access with built-in failover across multiple networks 1inch Domains API - ENS resolution and domain management for user identity 1inch NFT API - NFT portfolio tracking and metadata resolution 1inch Fusion+ SDK - Cross-chain deposit routing and yield optimization execution This comprehensive integration allows users to deposit from any chain and automatically route to the best yields anywhere - the core innovation of our platform. Yield Optimization Our custom engine scans 10+ DeFi protocols (Aave, Compound, Yearn, Beefy, Curve, etcl) across multiple chains. It uses ML predictions to optimize yield allocations and automatically rebalances when better opportunities emerge.

Tech Infrastructure Solidity contracts built with Foundry and OpenZeppelin standards:

• Automated deposit contracts with Gelato Network integration
• Dynamic NFT milestone system that rewards user achievements
• Cross-chain compatible architecture deployed on Polygon Cross-Chain Execution - Users can have funds on Polygon, AI finds best yield on Arbitrum or Base, and 1inch Fusion+ handles the entire cross-chain routing automatically. Real-Time Protocol Monitoring - Live adapters fetch actual APY data from major DeFi protocols using 1inch's infrastructure, not cached or estimated data. ENS Username System - Users without ENS names get guided through registration to use as their BYOB username, with special milestone NFTs for .eth holders. Powered by 1inch Domains API. Multi-Chain Portfolio Aggregation - 1inch Balance and Portfolio APIs provide unified views of assets across all supported chains, eliminating the need to check multiple wallets. Dynamic NFT Rewards - Achievement-based NFT minting system tracks user milestones and progress, with metadata powered by 1inch NFT infrastructure. Wallet Connection: Privy for seamless authentication Blockchain Interactions: ethers.js for contract calls Smart Contracts: Polygon network via Foundry Automation: Gelato Network for reliable execution for auto deposits