NeuroWealth 💰

AI-Powered DeFi Yield Platform on Stellar

NeuroWealth is an autonomous AI investment agent that automatically manages and grows your crypto assets on the Stellar blockchain. Deposit once, let the AI find the best yield opportunities across Stellar's DeFi ecosystem — and withdraw anytime with no lock-ups.

Overview Traditional savings accounts offer near-zero interest. Traditional DeFi is too complex for most users. NeuroWealth bridges the gap a simple chat interface web powered by an AI agent that autonomously deploys your funds into the highest-yielding, safest opportunities on Stellar.

Why Stellar?

Transaction fees of fractions of a penny — perfect for frequent AI-driven rebalancing 3–5 second finality — the AI can act on market changes instantly Native DEX + Soroban smart contracts — composable, programmable yield strategies Native USDC + XLM — borderless capital movement with no friction Growing DeFi ecosystem — Blend (lending), Templar (borrowing), RWA protocols

Features FeatureDescription🤖 AI AgentAutonomous 24/7 yield optimization across Stellar DeFi💬 Natural LanguageChat to deposit, withdraw, and check balances📈 Auto-RebalancingAgent shifts funds to best opportunities automatically🔐 Non-CustodialYour funds live in audited Soroban smart contracts⚡ Instant WithdrawalsNo lock-ups, no penalties, withdraw anytime📱 WhatsApp ReadyFull functionality through WhatsApp chat interface🌍 Global AccessNo geographic restrictions, no bank account required🛡️ Security FirstSoroban contracts with ReentrancyGuard and access controls

How It Works

1. User deposits USDC via web app ↓
2. Soroban vault contract receives and records the deposit ↓
3. Contract emits a deposit event ↓
4. AI agent detects the event and deploys funds to best protocol (e.g. Blend) ↓
5. Yield accumulates 24/7 — agent rebalances hourly if better opportunities exist ↓
6. User requests withdrawal anytime → agent pulls funds → sends back in seconds Three Investment Strategies

Conservative — Stablecoin lending on Blend. Low risk, steady 3–6% APY. Balanced — Mix of lending + DEX liquidity provision. Medium risk, 6–10% APY. Growth — Aggressive multi-protocol deployment. Higher risk, 10–15% APY.

Tech Stack Smart Contracts

Language: Rust (Soroban SDK 21.0.0) Standard: ERC-4626 inspired vault architecture Network: Stellar Mainnet / Testnet Security: OpenZeppelin-equivalent patterns (ReentrancyGuard, Pausable, Access Control)

Backend / AI Agent

Runtime: Node.js or Python Stellar SDK: @stellar/stellar-sdk AI: Claude API / OpenAI for natural language intent parsing Database: PostgreSQL / Supabase for user position tracking Queue: Bull / Redis for reliable transaction processing

Frontend

Framework: Next.js 15 Blockchain: Stellar SDK + Freighter wallet integration Styling: Tailwind CSS Charts: Recharts for portfolio analytics

Integrations

Yield Protocols: Blend Protocol (lending), Stellar DEX (liquidity) Price Feeds: Stellar anchor price feeds

Project Structure neurowealth/ ├── contracts/ # Soroban smart contracts (Rust) │ └── vault/ │ ├── Cargo.toml │ └── src/ │ └── lib.rs # Core vault contract ├── agent/ # AI agent backend │ ├── index.ts # Agent entry point │ ├── stellar.ts # Stellar transaction helpers │ ├── strategies/ # Yield strategy logic │ │ ├── conservative.ts │ │ ├── balanced.ts │ │ └── growth.ts │ ├── protocols/ # DeFi protocol integrations │ │ └── blend.ts │ └── nlp/ # Natural language intent parsing │ └── parser.ts ├── frontend/ # Next.js web app │ ├── app/ │ ├── components/ │ └── lib/ ├── whatsapp/ # WhatsApp bot handler │ ├── webhook.ts │ └── responses.ts ├── scripts/ # Deployment and utility scripts │ ├── deploy.sh │ └── initialize.sh └── README.md

Getting Started Prerequisites bash# Install Rust and the wasm target curl --proto '=https' --tlsv1.2 -sSf https://sh.rustup.rs | sh rustup target add wasm32-unknown-unknown

Install Stellar CLI

cargo install --locked stellar-cli --features opt

Install Node.js dependencies (for agent and frontend)

npm install Environment Variables Create a .env file in the root: env# Stellar STELLAR_NETWORK=testnet STELLAR_RPC_URL=https://soroban-testnet.stellar.org AGENT_SECRET_KEY=your_agent_stellar_secret_key

Contract

VAULT_CONTRACT_ID=your_deployed_contract_id USDC_TOKEN_ADDRESS=usdc_token_address_on_stellar

AI

ANTHROPIC_API_KEY=your_anthropic_api_key

WhatsApp

TWILIO_ACCOUNT_SID=your_twilio_sid TWILIO_AUTH_TOKEN=your_twilio_token WHATSAPP_FROM=whatsapp:+14155238886

Database

DATABASE_URL=postgresql://user:password@localhost:5432/neurowealth Build and Deploy the Contract bash# Build the Soroban vault contract cd contracts stellar contract build

Deploy to testnet

stellar contract deploy
--wasm target/wasm32-unknown-unknown/release/neurowealth_vault.wasm
--source deployer
--network testnet

Initialize the contract with your agent address and USDC token

stellar contract invoke
--id YOUR_CONTRACT_ID
--source deployer
--network testnet
--
initialize
--agent YOUR_AGENT_ADDRESS
--usdc_token USDC_TOKEN_ADDRESS Run the AI Agent bashcd agent npm install npm run dev # development npm run start # production Run the Frontend bashcd frontend npm install npm run dev # http://localhost:3000

Smart Contract The core Soroban vault contract handles all on-chain fund management. Key Functions FunctionWho Can CallDescriptioninitializeOwner (once)Set agent address and USDC tokendepositAny verified userDeposit USDC into the vaultwithdrawUser (their own funds)Withdraw USDC back to walletwithdraw_allUser (their own funds)Withdraw all USDC by burning all sharesrebalanceAI Agent onlyMove funds between yield strategiesget_balanceAnyoneRead a user's current balanceget_total_depositsAnyoneRead total vault TVLtransfer_ownershipOwner onlyInitiate two-step ownership transferaccept_ownershipPending owner onlyComplete ownership transfer Security Model

Users can only withdraw their own funds — enforced at the contract level via user.require_auth() Only the designated AI agent keypair can call rebalance — no other address can move funds between protocols Minimum deposit: 1 USDC. Maximum per user: 10,000 USDC (configurable) Emergency pause functionality available to contract owner Two-step ownership transfer prevents accidental ownership loss Vault balance verification ensures reported assets match actual holdings TTL extension on critical storage prevents data expiration

AI Agent The agent runs as a persistent background service with two main loops. Decision Loop (runs every hour)

1. Fetch current APY from all integrated protocols (Blend, DEX pools)
2. Compare against each user's current deployed strategy
3. If a better opportunity exists (> 0.5% improvement), rebalance
4. Submit rebalance transaction to vault contract
5. Log results to database Intent Parser (real-time, event-driven) User message: "deposit 50 USDC into balanced strategy" ↓ AI parses intent: { action: "deposit", amount: 50, strategy: "balanced" } ↓ Agent builds Stellar transaction ↓ Returns confirmation: "Deposited 50 USDC. Earning ~8.2% APY in Balanced strategy." Supported User Intents

deposit [amount] [optional: strategy] withdraw [amount or "all"] balance / how much do I have earnings / how much have I made switch to [conservative/balanced/growth] what is my APY

WhatsApp Integration NeuroWealth is designed to be fully operable through WhatsApp, making it accessible to anyone with a smartphone — no wallet app or browser extension needed. User Flow

1. User sends "hi" to NeuroWealth WhatsApp number
2. Bot introduces itself and asks for phone number verification (OTP)
3. OTP verified → agent creates a Stellar keypair for this user (custodial)
4. User can now deposit, withdraw, and check balance entirely through chat
5. Funds are secured in the Soroban vault contract under their wallet address Setting Up the Webhook bash# Your webhook endpoint receives WhatsApp messages POST /api/whatsapp/webhook

Register your webhook URL with Twilio

ngrok http 3000 ← for local testing

Example Conversation User: deposit 100 USDC Agent: Got it! Depositing 100 USDC into your Balanced strategy. This should take about 5 seconds on Stellar... ✅ Done! You're now earning ~8.4% APY. I'll optimize automatically.

User: what's my balance? Agent: 💰 Your NeuroWealth Portfolio Balance: 100.23 USDC Earnings today: +$0.23 Current APY: 8.4% Strategy: Balanced

User: withdraw everything Agent: Withdrawing 100.23 USDC... ✅ Done! Funds sent to your wallet. Arrived in 4 seconds.

Deployment Quick Start (Devnet)

For testing and development, you can deploy to Stellar devnet in minutes:

1. Get a funded devnet account

   # Visit https://laboratory.stellar.org/#account-creator
   # Create an account and copy the secret key

2. Set up environment

   # Copy the template and add your secret key
   cp .env.devnet.template .env.devnet
   # Edit .env.devnet and add your SOROBAN_SECRET_KEY

3. Build contracts

   cd neurowealth-vault
   cargo build --release --target wasm32-unknown-unknown

4. Deploy to devnet

   ./scripts/deploy-devnet.sh

5. Start using the vault

   # Source the deployed contract addresses
   source scripts/devnet-contracts.env
   
   # Check your balance
   stellar contract invoke \
     --id $VAULT_CONTRACT_ID \
     --source $AGENT_SECRET_KEY \
     --network $SOROBAN_NETWORK_PASSPHRASE \
     --rpc-url $SOROBAN_RPC_URL \
     -- \
     get_balance \
     --user $AGENT_ADDRESS
   
   # Deposit 10 USDC
   stellar contract invoke \
     --id $VAULT_CONTRACT_ID \
     --source $AGENT_SECRET_KEY \
     --network $SOROBAN_NETWORK_PASSPHRASE \
     --rpc-url $SOROBAN_RPC_URL \
     -- \
     deposit \
     --user $AGENT_ADDRESS \
     --amount 10000000

The deployment script will:

• Deploy the USDC token contract
• Deploy the NeuroWealth vault contract
• Initialize the vault with your account as the AI agent
• Mint 10,000 USDC for testing
• Save all contract addresses to scripts/devnet-contracts.env

Testnet bash# Deploy everything to Stellar testnet ./scripts/deploy.sh --network testnet Mainnet bash# Ensure all tests pass first cargo test npm test

Deploy to mainnet

./scripts/deploy.sh --network mainnet Infrastructure (Recommended)

Agent: Railway, Render, or a VPS (needs to run 24/7) Frontend: Vercel Database: Supabase (managed PostgreSQL) Webhook: Same server as agent, or a separate serverless function

Roadmap Phase 1 — Foundation (Current)

Soroban vault contract (deposit, withdraw, rebalance) Basic AI agent with Blend protocol integration Natural language intent parsing Web frontend with portfolio dashboard WhatsApp bot MVP

Phase 2 — Intelligence

Multi-protocol yield aggregation (Blend + DEX liquidity pools) Strategy backtesting and risk scoring Personalized risk profiles per user Earnings history and projection charts

Phase 3 — Scale

Real-world asset (RWA) yield strategies Cross-chain bridging (Stellar ↔ Ethereum via Axelar) Social trading — follow top-performing AI strategies NeuroWealth token for governance and fee sharing

Contributing Contributions are welcome. Please open an issue first to discuss what you'd like to change. bash# Fork the repo, then: git checkout -b feature/your-feature-name git commit -m "feat: add your feature" git push origin feature/your-feature-name

Open a Pull Request

Please make sure to run cargo test and npm test before submitting.