TL;DR
Despite over 600 million people worldwide holding cryptocurrencies, less than 10% are active on-chain. For a long time, DeFi has been too complex, making it difficult for users to participate.
In this article, we dive into the two key challenges holding DeFi back and introduce a groundbreaking trend: DeFAI. By integrating AI into DeFi, DeFAI makes on-chain investing simpler, smarter, and more accessible to the masses.
Over 90% of Crypto Users Stay Off-Chain
According to a16z’s State of Crypto 2024 report, an estimated 617 million people globally hold cryptocurrencies. But more than 90% of crypto users AREN’T doing anything on-chain.
They’re not providing liquidity, participating in lending protocols, or optimizing yield strategies. Most are simply holding tokens in centralized exchanges.
Source: a16z’s State of Crypto 2024 report
DeFi was supposed to break down financial barriers and give everyone a fair shot. That’s the original promise of blockchain: decentration, ownership , and freedom. But in reality, it’s still a playground for the few who know how.. Why? Because for most people, DeFi is still far too complex. It’s not that people don’t want to step in, it’s that they’re unsure how to navigate once they do.
But that might be about to change. A new movement is emerging at the intersection of DeFi and AI—DeFAI. And it could be the breakthrough that finally makes decentralized finance accessible to the masses.
DeFi Is Powerful – But Far From Simple
Despite impressive growth and billions in TVL, DeFi remains far from user-friendly. For most people, using DeFi feels like trying to operate a spaceship without a manual.
Let’s break down the two key obstacles:
1. High Entry Barriers & Terrible User Experience
DeFi isn’t “plug and play.” It’s more like “watch five YouTube tutorials and hope you don’t get rekt.” From the moment a user sets up a wallet, they’re hit with a flood of technical hurdles:
- Understanding gas fees
- Learning how to bridge assets across chains
- Figuring out what network they’re even on 🤯
But that’s just the warm up. Once you finally get in, it only gets harder.
- Providing liquidity.
- LP tokens.
- Automated market makers (AMMs).
- And more.
For newcomers, it feels like stepping into a cockpit filled with unlabeled switches, all written in a foreign language. One wrong move? You’re either losing money or stuck wondering where your tokens went.
2. Steep Learning Curve & Fragmented Information
Even if you do learn how to use DeFi, you’re only halfway there. To participate wisely, users must:
- Compare yields across protocols and chains
- Calculate impermanent loss and liquidation risks
- Monitor smart contract safety and keep up with protocol updates
And here’s the catch: this critical information is scattered across dashboards, blog posts, X threads, Telegram groups, Discord channels… you name it.
Let’s face it—most people don’t have hours a day to research DeFi strategies. They just want to put their assets to work safely and efficiently. But right now, DeFi makes that unnecessarily difficult.
So… What Is DeFAI?
DeFAI = Decentralized Finance + Artificial Intelligence
A new approach that makes on-chain investing smarter, simpler, and safer for everyone.
Think of DeFAI as your on-chain investment co-pilot. Just like GPS helps you navigate unfamiliar roads, DeFAI helps you navigate the DeFi jungle—recommending optimal investment opportunities based on your personal financial goals and risk tolerance.
This Isn’t Theory—It’s a Proven Playbook
This isn’t just theory — TradFi has already shown us what’s possible.
Platforms like Betterment and Wealthfront leveraged AI to simplify investing, making it accessible to millions of users who were previously intimidated by financial markets.
The numbers speak for themselves: According to MarketsandMarkets, the global AI in finance market is expected to reach $190.3 billion by 2030, growing at a CAGR of 30.6%.
AI didn’t just simplify TradFi—it unlocked it. Now, it’s crypto’s turn.
How DeFAI Makes DeFi Easy and Smart
So, how exactly does DeFAI solve the pain points we mentioned earlier?
As the table below , DeFAI abstract away the technical jargon and complex on-chain executions that intimidate everyday users. It turns DeFi from a playground for power users into a smart, seamless, and secure investing experience that is accessible to anyone.
With DeFAI, you don’t need to be a DeFi expert anymore. Just set your goal, and let intelligent systems handle the rest.
From Aggregator to DeFAI: Why SuperIntent Is the Next Big Thing
At XY Finance, we believe DeFi shouldn’t be difficult, it should be effortless, smart, and built for everyone. That’s why we’re launching SuperIntent — the first omnichain AI crypto super app designed for the next generation of users.
After years of building as a leading DEX and bridge aggregator, we’ve gained unparalleled insights into user behavior and the true bottlenecks in DeFi. That experience puts us in the perfect position to build a real, usable DeFAI product.
Believe in an open, smart, and seamless financial future? Join us. Pre-register for SuperIntent today and be among the first to unlock 6x XP rewards and exclusive early access to the next big thing in decentralized finance.
