AutoVault

Programmable Savings for the MNEE Economy making DeFi accessible to everyone.

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AutoVault - MNEE Hackathon Submission

Inspiration

We noticed that while DeFi offers incredible financial tools, most people still struggle with basic savings habits. Traditional banking apps are passive - you deposit money and hope for the best. Meanwhile, powerful DeFi primitives like automated investing (DCA) and goal-based savings exist but are scattered across complex protocols that intimidate everyday users.

We asked: What if saving money was as easy as setting up a Spotify playlist? What if your deposits automatically organized themselves, your investments ran on autopilot, and an AI coach helped you make smarter decisions?

That's AutoVault - programmable savings that works while you sleep.

Why MNEE?

  • Stable Value: Perfect for savings - no volatility anxiety
  • Low Fees: Ethereum L1 with minimal transaction costs
  • Programmable: Smart contract integration enables automation
  • Growing Ecosystem: Part of the expanding MNEE economy

What it does

AutoVault is a comprehensive savings platform built on MNEE stablecoin with four core features:

🪣 Smart Buckets - Create named savings categories (Emergency Fund, Vacation, Investment) with target percentages. Every deposit automatically splits across your buckets. No more manual transfers between accounts.

🎯 Goal-Based Savings - Set savings goals with target amounts and deadlines. Funds are locked until you reach your goal, with celebration animations at 25%, 50%, 75%, and 100% milestones to keep you motivated.

📈 DCA Strategies - Set up dollar-cost averaging into any token. Choose your amount and frequency, and AutoVault handles the rest via Uniswap V3 integration. Remove emotion from investing.

🤖 AI Financial Advisor - Powered by Cerebras, our AI analyzes your actual portfolio and provides personalized recommendations. Ask "How should I allocate for a house down payment?" and get advice based on your real financial situation.

How we built it

Smart Contracts (Solidity)

  • SmartVault.sol - Bucket management with percentage-based auto-distribution
  • GoalLocker.sol - Time-locked savings with milestone event emissions
  • DCAExecutor.sol - Automated DCA with Uniswap V3 integration
  • Built with OpenZeppelin, tested with Hardhat and property-based testing

Frontend (Next.js 16)

  • TypeScript with strict typing throughout
  • Wagmi + Viem for Web3 interactions
  • RainbowKit for beautiful wallet connection
  • Framer Motion for smooth animations
  • Tailwind CSS + shadcn/ui for the UI
  • Recharts for data visualization

AI Integration

  • Cerebras API for fast inference
  • Load-balanced across 8 API keys for reliability
  • Context-aware prompts that include user's portfolio data

Infrastructure

  • Deployed on Ethereum Sepolia testnet
  • Supabase for transaction history and AI conversation storage
  • Vercel-ready deployment configuration

Challenges we ran into

SSR + Web3 - WalletConnect tries to access indexedDB during server-side rendering, causing errors. We had to carefully structure our providers to only initialize Web3 on the client side.

Accomplishments that we're proud of

✅ Full working product - Not just a prototype. Real smart contracts, real transactions, real AI responses.

✅ Beautiful UX - Animations, loading states, toast notifications, responsive design. It feels like a real product.

✅ AI that actually helps - The advisor sees your real portfolio data and gives contextual advice, not generic tips.

✅ Clean architecture - Separation of concerns, typed hooks, reusable components. Code we'd be proud to maintain.

What we learned

  • Property-based testing catches edge cases unit tests miss. Our bucket percentage validation found bugs we never would have thought to test.

  • Wagmi v2 is a game-changer for Web3 React apps. The hooks-based API with React Query integration makes state management so much cleaner.

  • Cerebras is fast - Sub-second responses for financial advice. Makes the AI feel like a real conversation, not waiting for ChatGPT.

  • UX matters more than features - We cut several planned features to polish the core experience. A working demo beats a broken feature list.

What's next for AutoVault

Short term (Q1 2025)

  • Mobile app with React Native
  • Social savings pools - save together with friends
  • Yield optimization - automatically move idle funds to earn interest

Medium term (Q2 2025)

  • Multi-chain deployment (Arbitrum, Base, Polygon)
  • Fiat on-ramp integration
  • Recurring deposits from bank accounts
  • Enterprise API for fintech integrations

Long term

  • Credit scoring based on savings behavior
  • Micro-loans against locked savings
  • Integration with real-world payment systems

Links

AutoVault - Save smarter, not harder.

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