HI.FI

HI.FI is a decentralized investment platform that makes earning yield on-chain simple. Instead of dealing with multiple DeFi protocols, users put their funds into shared pools that are grouped by risk level.

Each pool works like a common treasury. Everyone in the pool shares gains or losses fairly based on how much they contribute. HI.FI handles the complexity behind the scenes and shows users a single, clear balance, so they don’t have to worry about chains, tokens, or yield mechanics.

Users can choose how they want to participate. Some can manage their investments directly, while others can use guided and automated options to help select pools and invest. The goal of HI.FI is to make on-chain investing easier, more transparent, and accessible to anyone, even without deep DeFi experience.

HI.FI is a full-stack Web3 application with a clear separation between smart contracts, backend infrastructure, and a modern frontend. The on-chain layer is built in Solidity using Hardhat, with multiple yield pool contracts deployed on Base Sepolia. Users deposit into risk-based pools and receive internal shares, while pools follow a lifecycle state machine (COLLECTING, DEPLOYED, WITHDRAW_WINDOW) to enforce time-based behavior. For the hackathon, yields and losses are simulated within risk-defined bounds.

HI.FI supports two execution flows. Advanced users can interact directly via MetaMask, manually approving transactions for full transparency and control. For a more automated experience, HI.FI includes the HI.FI Bot, an AI-powered conversational investment assistant. Users describe their goals in natural language, and the bot extracts parameters like amount, risk tolerance, and time horizon to generate an Investment Plan stored in MongoDB. Once confirmed, the bot executes deposits across the appropriate pools using Circle Programmable Wallets, enabling gasless, automated execution.

HI.FI integrates ARC as its treasury and yield infrastructure. All deposits are normalized into arcUSDC, ensuring consistent internal accounting and enabling future deployment into ARC-managed yield strategies. For cross-chain support, Circle Gateway (CCTP) is used to bridge USDC across networks, allowing users to fund their accounts seamlessly.

The frontend is built with Next.js and TypeScript, with ENS used. Styling is handled with TailwindCSS and shadcn/ui. The backend uses Next.js API routes and MongoDB Atlas for user data, pool metadata, investment plans, and transaction history, with authentication handled via wallet-based signatures.