Beta testing launched, first thousand already onboard – and this is just the beginning!
Imagine the year 2028, where managing your finances is as simple as chatting with your personal AI assistant. This assistant flawlessly handles your crypto wallets, banks, and investments, eliminating the need for dozens of apps and the confusion often tied to cryptocurrencies. This isn’t a fantasy – it’s HAIA, your personal financial operating system, now in beta testing. The first 1,000 testers are already exploring and enjoy its features, and the journey to this moment has been as thrilling as the product itself.
HAIA isn’t just another wallet. In fact, it’s not a wallet at all! It’s a web application that opens directly in any crypto wallet via its built-in browser, and now it’s also a mobile app, built on Capacitor by one of our specialists in just two days to test the concept. Two days – and the concept was ready for testing, followed by a week of refinements, of course. This approach – concept first, rapid development, and flexibility – is the foundation of everything we do here. But let’s break it down step by step.
HAIA: A unified interface for your entire financial life
HAIA is a platform that brings all your finances into one place: banks, crypto wallets, investments, subscriptions. Your private keys stay fully under your control, as HAIA doesn’t have access to them. It’s not a wallet but a tool that operates on top of existing solutions, making financial management simpler and more efficient.
One of HAIA’s standout features that the HAUST team added to this is its support for modular abstract accounts. This lets users grant the agent temporary permissions to perform specific actions with specific amounts, all without handing over private keys. For example, you can set a scenario: “If ETH rises to $8,000, find the blockchain with the best yield in the AAVE protocol, deposit ETH there, borrow $1,000, and reinvest it for extra yield.” This isn’t just a transaction – it’s a full-on limit-based DeFi strategy, executed with you in complete control.
Right now, HAIA is working with several mainnets, such as Ethereum, Polygon, BNB Smart Chain, Base, etc. But in the future, we will add support for popular non-EVM networks, as well as native support for our own blockchain HAUST Network.HAIA also supports cross-chain operations. Say you need to send 1,000 USDT to your mom’s address (pulled by the agent from your address book) on Polygon, but your funds are on Ethereum. HAIA will offer options: bridge via CrossCurve, aggregate stablecoins across chains, or swap assets through 1inch. Integration with 1inch for swaps is already live, with support for limit orders and Fusion+ coming soon.
What HAIA can do today
- Voice Input: Talk to HAIA in Korean, English, or any other language.
- Portfolio: See all your tokens from all your wallets across all chains in one spot.
- NFTs: View your tokens as visual cards.
- Address Book: Add contacts and send funds by name, e.g., “Send 500 USDC to grandma.”
- Transactions: Swaps via 1inch and transfers within or across chains.
- DeFi Position Monitoring: With recommendations.
- News: Real-time updates based on your interests and assets
- Charts: Visualize prices, volumes, and market caps.
- Digests: Tailored, automated market overviews.
- DeFi Investments: Invest in Aave or Superform with a few clicks.
- Email & Banking: Soon email checks and help with account openings.
MCP: the game-changing technology
One of the pivotal moments in development was realizing the critical role of MCP. At HAIA’s core is the Model Context Protocol (MCP) – a protocol that enables the connection and scaling of any Web3 tools, agents, and protocols. MCP acts like “LEGO” for agents: you can snap on new modules without altering HAIA’s core. This allows for rapid feature expansion and integration of the best solutions out there. We’re not trying to build the ultimate agent for every niche – why bother when it’s easier to integrate others’ work, like automated AML checks or whale transaction analytics?
Right now, as part of the ETHglobal hackathon, we’re building a limit order module based on 1inch via MCP. Post-hackathon, it’ll become part of HAIA, and any developer can tap into it. This approach unlocks endless possibilities: from arbitrage to X-posts analysis, everything can plug into MCP. And since a mobile app can’t roll out every feature with separate updates, we chose Capacitor – every new agent in the web app becomes instantly available to users.
Soon, HAIA will be a fully MCP-compatible agent itself, enabling data sharing with other platforms and opening doors for B2B partnerships and custom solutions.
HAIA: finances on demand
HAIA isn’t a one-size-fits-all bot. It tailors itself to each user’s interests and needs. If your portfolio holds specific tokens, HAIA curates news and trends about them. Into DeFi? You’ll get digests on new protocols and strategies. Love trading memes? You’ll see the hottest trends first. Over time, HAIA evolves into your personal financial assistant, understanding what matters to you and aiding your decisions.
It goes beyond crypto. HAIA aggregates balances from all your wallets, analyzes bank accounts, and scans emails for financial notifications. For digital nomads, this is a game-changer: moving to a new country? HAIA can help open an account or transfer funds with minimal fees.
In the future, HAIA will analyze your social media to suggest actions, news, and activities matching your interests – all with HAUST blockchain as a trust layer, ensuring no action happens without your explicit consent.
How a small team is changing the game
The process of building HAIA proves how modern development approaches are rewriting the rules. Every team member feels the winds of change at every step. A project like this would’ve taken 30–40 people, hundreds of pages of specs, and months of planning just a few years ago. We did it with a team of 7 – 8 people – and we did it fast.
When I flew to Canada in mid-May for the Consensus conference, HAIA didn’t exist. By the time I landed in Toronto, I had a working concept demo in my pocket.
We didn’t spend six months gathering requirements. We started with hypotheses and real needs – built, tested, got feedback, and iterated. If a direction wasn’t working, we pivoted – no fuss, no ceremonies.
The goal? Get a production-ready product to market fast. We used AI not just in the product but in the development process, letting us move quicker and smarter.
Why HAIA matters
HAIA isn’t just another product – it’s a step toward a future where money works for you, not the other way around. For digital nomads, it’s a tool to settle into a new country; for DeFi fans, it’s a way to stay ahead; for everyday folks, it’s a chance to finally organize their finances.
A key aspect is trust – or rather, the lack of need for it. HAIA doesn’t store passwords and can’t act without your consent. Your data stays yours, and that’s a core principle.
The first 1,000 testers are already shaping HAIA’s future, and a new round of sign-ups is coming soon. Joining the beta test is a chance to help build a game-changing product.
HAIA isn’t just an app; it’s a gateway to a new reality. It shows that small teams can achieve big things, that flexibility trumps bureaucracy, and that the future of finance is personalization, decentralization, and AI – all rolled into one.
Ready to jump in? Stay tuned – beta testing will soon open for new participants!
