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LOGGERHEAD FINANCE

A consumer app delivering hedge-fund returns by optimizing yields with MCP-powered agentic workflows

LOGGERHEAD FINANCE

Created At

ETHGlobal Cannes

Winner of

Flow Foundation

Flow - Best Cross-Chain DeFi on Flow 2nd place

Project Description

Loggerhead operates as a fully automated yield aggregator that intelligently switches between Euro (EURC) and US Dollar (USDC) stablecoins across multiple blockchains to capture the highest available yields at any given moment.

The platform fundamentally transforms complex DeFi operations into a simple, one-click investment experience that requires zero cryptocurrency or blockchain knowledge from users.

We're building this to help the "next billion people" overcome economic hardships caused by currency depreciation, rising living costs, and decreasing disposable income.

--> The problem we’re solving

The project addresses multiple interconnected financial challenges affecting billions globally:

  1. Currency Instability and Inflation: The platform specifically targets the growing problem of currency devaluation, with the USD/EUR pair having depreciated by 13% since January alone. This creates unequal opportunities for people in different regions, particularly those in developing and emerging countries where local currencies are even more volatile and thus relying on USD.

  2. Rising Cost of Living: Households are facing an additional $3,800 in yearly expenditures while disposable income continues to decrease by approximately 2% annually. This creates a savings protection crisis where traditional banking offers insufficient returns to combat inflation.

  3. Financial Ecosystem Fragility: The current financial system makes it extremely difficult for ordinary people to protect and grow their savings, especially those without access to sophisticated investment tools or hedge fund-level strategies.

-->Technical Architecture

The platform's technical sophistication lies in its multi-layered AI agent system that handles every aspect of investment management, like a fully abstracted DeFi yield agregator intelligently switches between Euro (EURC) and US Dollar (USDC) stablecoins across multiple blockchains:

  1. Market Analysis Engine: Loggerhead's AI continuously scans financial markets, focusing specifically on USD and EUR stablecoin ecosystems. The system performs real-time analysis to determine which currency offers superior yield opportunities at any given moment, considering factors like lending rates, market conditions, and cross-chain opportunities.

  2. Automated Investment Execution: Once optimal conditions are identified, the system automatically allocates user funds to the most advantageous lending pools (KittyPunch, MoreMarkets, Aave…). For USD investments, the platform utilizes Flow blockchain infrastructure, while EUR investments leverage Circle's EURC ecosystem.

  3. Blockchain interaction Infrastructure: The platform implements sophisticated abstraction & cross-chain functionalities using:

  • Account Abstraction (ERC 4337) for seamless user experience
  • Gas sponsorship through Flow's Paymaster system, eliminating transaction fees for users
  • Privy Wallet integration for secure, automated wallet creation and management
  • Chain agnostic and multi-protocol fetching capabilities for maximum yield optimization

-->Our App’s User Journey and Experience

Our AI agents handle everything - from market analysis to investment execution - while users just click once and watch their wealth grow.

The user experience is designed to be "GrandMa friendly" with complete abstraction of technical complexity:

  1. Onboarding Process: Users sign up through a simple account abstraction process where a secure, private wallet is automatically created and linked to their account. No seed phrases, private keys, or technical setup required.

  2. Investment Process: Users deposit funds in their local currency through an intuitive interface. The AI agent immediately takes control, handling market research, currency selection, and automatic investment allocation without any user intervention required.

  3. Yield Generation: The system automatically invests user funds into liquidity and lending pools based on real-time optimization between crosschain EURC and USDC opportunities. Users receive returns directly from these lending pools with full transparency and real-time tracking.

  4. Reward Distribution: All earnings are simplified but transparent, allowing users to track their returns without understanding the underlying DeFi mechanics.

-->Business Model

Loggerhead employs a revenue approach that prioritizes business and financial deals over retail fees. Our philosophy: "We won't make the retail pay. We get the money where it's available." Individual users access our platform for free while we monetize through business services and institutional partnerships.

B2B Revenue Streams: The platform generates primary revenue through business services including transaction fees, international recurring remittance services, and premium subscriptions for automated management and accounting tools for SMBs.

-->Go-to-Market Strategy

The platform employs a cultural and community-oriented approach with:

  • Targeted social media campaigns focused on specific countries experiencing currency instability
  • Referral programs to encourage organic growth
  • Cultural and community-oriented approach

-->Current Development Status As of July 2025, Loggerhead is in the MVP enhancement phase with a planned market launch in October 20251. We are actively seeking mentorship and funding opportunities to support the development timeline and market entry strategy.

We are convinced we present a significant advancement in DeFi accessibility, combining sophisticated AI automation with user-centric design to deliver hedge fund-level investment strategies to everyday users facing global financial instability.

How it's Made

For this hackathon, we have made extensive use of the following sponsors: Circle ; Flow ; Privy

Loggerhead is built around four core pillars, each contributing to a complete and seamless User Journey experience.

--> Wallet: Users benefit from a frictionless onboarding process through account abstraction (ERC-4337), with each account linked to a Privy wallet for secure, private asset management. The integration of Flow Paymaster ensures that transaction fees are handled automatically, allowing users to interact with the blockchain without worrying about gas or native tokens. We are also using Flow On-Ramp to allow users to top up their accounts using fiat currencies or TradFi methods, such as debit or credit cards.

--> User experience: Fund management is fully transparent and user-centric: all deposits, withdrawals, and yield data are tracked on-chain, and an intuitive dashboard provides real-time visibility into balances, yields, and transaction history. Users can easily unstake and withdraw their tokens and rewards directly to their wallets.

--> AI agent workflow: Loggerhead’s AI agent workflow stands out with two key differentiators: The MCP Client, powered by Claude AI, personalizes the user experience and simplifies interactions.

The MCP Server aggregates and analyzes financial data from sources like Perplexity, Sonar, and Forax Data in order to obtain and tailor a broad range of information, focusing specifically on USD and EUR stablecoin ecosystems.

Moreover, we have also integrated GPT Financial Analysis to gain more accuracy and real-time data, as well as to predict the most promising investment options by considering past rates and future prospects.

Being MCP-powered allows our agents to dynamically update their context and strategy. This enables real-time adaptation of the DeFi strategies we provide to our users, allowing for arbitrage between USDC and EURC and the use of different protocols to achieve the best yield.

--> Chain agnostic and multi-protocol fetching for maximum yield optimization: For USD investments, the platform utilizes Flow blockchain infrastructure because its DeFi protocols offer higher yields on USDC, while EUR investments leverage Circle's EURC ecosystem.

For the EURC part, Loggerhead uses the Base blockchain to integrate Aave for lending and borrowing in EURC (via Circle). Its AI agent continuously compares rates across protocols and blockchains to optimize returns.

For USDC, we also use the Flow chain to utilize Kitty Punk (stgUSDC) and MoreMarkets (USDF). Once optimal conditions are identified, the system automatically allocates user funds to the most advantageous lending pools.

Finally, Stargate is used to bridge assets between Base and Flow, automating transaction creation and submission.

At Loggerhead, our unique value lies in two key innovative/hacky aspects that set us apart from the competition: First, we did not replicate what already exists. Instead, we focus on developing new features and functionalities through custom code, merging diverse resources, from protocols to deliver a seamless and enhanced user experience.

Second, our approach to wallet integration is distinct. Rather than relying on a traditional integrative wallet, we leverage a server wallet architecture based on Privy. This allows us to offer a more secure and flexible solution, ensuring that user assets are managed efficiently while maintaining privacy and ease of use for beginner users.

By integrating these specific components, Loggerhead offers our users a powerful and forward-thinking experience, setting new standards in digital asset management and DeFi automation.

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