DeCently

DeCently is a decentralized micro-savings application that revolutionizes how people save money in the Web3 ecosystem. It automatically converts everyday PYUSD transactions into savings by rounding up transfers to the nearest dollar and investing the difference in yield-generating DeFi protocols.

💡 The Core Problem We Solve

Traditional savings are broken in Web3:

• Manual Process: Users must actively decide to save and manually move funds
• Small Amounts: Micro-amounts (like $0.23 cents) are too small to justify gas fees for individual investments
• Complexity: Navigating DeFi protocols requires technical knowledge
• Inaction: Most people intend to save but never actually do it DeCently solves this by making savings automatic, effortless, and profitable.

🔐 Security & Trust Model

Non-Custodial Design

• User Control: Users maintain full control of their EOA wallets and funds
• PKP Automation: PKP wallets are programmable but deterministic with user maintaining full control over it.
• Transparent Logic: All savings calculations and transfers are verifiable on-chain

Permission Model

• Limited Scope: PKP can only execute pre-approved actions (PYUSD transfers to savings)
• Threshold Controls: Users set maximum amounts and frequency limits
• Revocable Access: Users can revoke PKP permissions at any time
• Audit Trail: Complete transaction history visible on blockchain

💰 Economic Model

For Users

• Zero Fees: No platform fees for basic roundup savings
• Gas Optimization: Batch transactions to minimize gas costs
• Yield Generation: Earn 6-12% APY on saved funds through DeFi protocols
• Compound Growth: Automatic reinvestment of yields

Revenue Potential (Future)

• Performance Fees: Small percentage of generated yields
• Premium Features: Advanced strategies, higher limits
• Protocol Partnerships: Revenue sharing with DeFi protocols

🚀 Roadmap & Future Features

Phase 1 (Current) - MVP

• ✅ Basic roundup savings functionality
• ✅ Vincent PKP integration
• ✅ Real-time transaction monitoring
• ✅ Dashboard and user interface
• ✅ Smart Saving strategies

Phase 2 - Enhanced Automation

• Dollar Cost Averaging (DCA): Scheduled recurring investments
• Multi-Token Support: USDC, USDT, and other stablecoins
• Advanced Strategies: Yield farming, liquidity provision
• Mobile App: React Native application for iOS/Android

Phase 3 - Social & Gamification

• Savings Challenges: Community-driven savings goals
• Social Features: Share progress, compare with friends
• Rewards Program: Token incentives for consistent savers
• Educational Content: DeFi learning modules

Phase 4 - Enterprise & Scale

• Mainnet Deployment
• Multi-Chain Support: Expand to Polygon, Base, Optimism
• Institutional Features: Corporate savings programs
• API Platform: Third-party integrations and white-label solutions

🌍 Impact & Vision

Individual Impact

• Behavioral Change: Transform spending habits into saving habits
• Financial Literacy: Gradual exposure to DeFi concepts and strategies
• Wealth Building: Consistent small savings compound into significant amounts
• Access to Yield: Democratize access to institutional-grade yield strategies

Ecosystem Impact

• DeFi Adoption: Lower barrier to entry for DeFi participation
• Stablecoin Utility: Increase practical use cases for PYUSD and other stablecoins
• Protocol Growth: Drive TVL growth for partner DeFi protocols
• Innovation Catalyst: Pioneer new models for automated Web3 financial services

DeCently represents a fundamental shift from manual, conscious saving to automated, unconscious wealth building. We're creating a system where:

• Saving becomes effortless (happens automatically with every transaction)
• Small amounts matter (micro-savings aggregate into meaningful sums)
• Everyone can access yield (no minimum balances or institutional barriers)
• Financial growth is transparent (all transactions and yields verifiable on-chain)

This isn't just a savings app—it's a financial behavior change platform that makes wealth building as automatic as spending money. In a world where traditional savings accounts offer near-zero interest, DeCently provides a path to meaningful returns while building healthy financial habits.

The ultimate vision is to make saving so automatic and rewarding that users wonder how they ever managed their finances without it.

We needed to automatically detect PYUSD transfers and trigger savings without constant user interaction. Traditional blockchain monitoring is too slow, and requiring users to sign every micro-transaction kills the UX.

Key Technology Choices:

PYUSD Integration We chose PYUSD because it's actually used for real transactions, not just DeFi speculation.

Vincent/Lit Protocol for Automation Vincent solved our biggest UX problem - eliminating constant wallet popups. PKP wallets can execute predefined actions automatically after one-time user approval and custom ability.

The hacky part: Vincent's JWT authentication wasn't designed for background processes. We built a token refresh system that validates PKP permissions on every automated transaction.

Envio for Real-Time Monitoring Envio gives us sub-5 second transaction detection instead of the usual 30-60 second delays. It auto-generates GraphQL APIs and handles all the blockchain infrastructure.

The tricky integration: Envio runs its own PostgreSQL database, but we needed our app database in sync. We built a "dual-database bridge" where Envio handles raw blockchain data and our app handles business logic.

🔄 How It All Connects

Transaction Flow:

1. User sends PYUSD → Envio detects in ~3 seconds
2. We calculate roundup amount (e.g., $12.37 becomes $0.63 savings)
3. Vincent PKP automatically executes savings transfer
4. Frontend updates in real-time

The speed hack: Instead of waiting for Envio's API, we poll both the database directly AND the GraphQL endpoint for redundancy.

💡 Notable Technical Decisions

PKP Security Model PKPs can only transfer PYUSD from user's EOA to their own savings wallet, with amount limits matching calculated roundups. The PKP actually validates its own transaction parameters before executing.

Multi-Service Development Running locally requires coordinating 4 systems: Envio indexer (Docker), Express backend, Next.js frontend, and Vincent authentication. We built custom orchestration to start everything in the right order.

Authentication bridge: Making Vincent's powerful PKP system feel like normal Web2 login while maintaining all the automation capabilities.