Alcancía

Problem

Saving in Latin America fails for three reasons that compound: money left next to everyday spending gets spent; people save in one currency but spend in another (a trip to Brazil saved in pesos is exposed to the exchange rate, so people dollarize); and nobody does the math across several goals, dates and currencies.

What it does

1. Conversational plan. A generative chat (AI SDK + Vercel AI Gateway, Claude) turns "Florianópolis in March, an Ironman, a new laptop" into editable goal cards (amount, currency, date), then asks for income and fixed costs. The plan (what % of every paycheck goes to each goal) is computed in code, not by the model, and keeps 20% of the free money for living.
2. One contract per goal. AlcanciaFactory.createBatchWithIncome clones one Alcancia (EIP-1167) per goal, owned by the user, and stores the user's income currency. Funds can only ever go back to the owner.
3. Savings on autopilot. Every hour (or on "Sync") the agent detects new income in the user's local stablecoin and calls sweep(): same-currency shares go straight into the piggy banks; shares of goals in another local currency go to the agent, which converts them and deposits.
4. Save in the currency you'll spend in. Trip goals fill in wBRL / wCOP / … The agent requests Textile RFQ quotes for two legs (local → USD₮ → local; there's no direct local↔local market on Celo yet), with Uniswap v3 as fallback and automatic refund if a leg fails. Users never hold dollars.
5. Anti-impulse brake. Early withdrawal: reflection with real numbers, "tell me why", and a riddle about your own goal. Solve it and the agent calls agentApprove() onchain; otherwise the contract enforces a 72 h delay. Lowering a target also waits 72 h. The agent can only shorten the wait, never hold the money.
6. Top-ups from any currency. Add money in the goal's currency (2 signatures) or from another local stablecoin (1 signature: the agent verifies the transfer onchain, converts via Textile and deposits; idempotent via the source tx hash in the deposit calldata).
7. Ripio end to end. Ripio Ramp to top up and to cash out to a bank (AR, BR, MX, CO), prefilled with the user's address and currency.

Proof (Celo mainnet)

• AlcanciaFactory 0xbbab1b684212fc4cde02eafc69bba993934e2218 · Alcancia impl 0x290c3c5404f34bcb8f06520a8be31fc65bd786d4 (verified on Blockscout)
• Agent wallet 0xD8c9558DB1404976fB11A1fC64f3E122309B3055 · ERC-8004 agent #9911
• Demo wallet 0xF17270964c05AA8C0393d2fc33bCAbB60af196cE: 3 piggy banks created, paycheck split, wBRL goal funded via Textile (two RFQ legs with Textile fees), early withdrawal approved by the agent after the riddle.
• buy receipt (x402, USDC): 0x2f7bfeffa92fdba1062f1fcd86e3dd88ba078bed8a3e992fdd5100580342b46f

How it's built

Next.js on Vercel · AI SDK + Vercel AI Gateway · wagmi/viem/RainbowKit (MiniPay-compatible) · Foundry (27 tests incl. fuzz) · @celo/attribution-tags · Textile v2 RFQ (keyless takerProof) · Uniswap v3 fallback · buy gateway (SQD free + Chainstack x402) · ERC-8004. No database: state lives onchain.

Hackathon rules

• Celo mainnet 42220 only.
• ERC-8021 on every transaction (users' and the agent's, deployments included): celo_cbcc681c15b7 + repo-derived celo_595aac690f07 in one suffix.
• ERC-8004 identity registered from the agent wallet (#9911).
• Gas: users pay their own signatures; the agent pays its own; no relayer. The buy gateway sponsors gas for x402 settlements.
• Custody note: during FX (sweep shares and cross-currency top-ups) funds sit in the agent wallet for the seconds between Textile legs; on failure the agent refunds the user.

Per-track notes

Track 1 · Stable Agents: LatAm (Ripio × Celo) — primary

• Works on mainnet with real wFiat: wARS, wBRL (and wMXN, wCOP, wPEN, wCLP as income/savings currencies).
• Uses wFiat and the Celo stack seriously: per-goal contracts, Ripio Ramp on/off-ramp, local-currency FX, fee-cheap automation.
• Autonomous and useful: detects income, splits, converts, approves withdrawals, refunds on failure.
• A real person can use it: connect a wallet, plan in 2 minutes, ES/EN.
• LatAm impact: saving discipline in your own currency, without dollarizing.

Track 2A · Open Corridors: Textile FX

• Not a market-making strategy: an agent that takes Textile liquidity on behalf of savers — every trip goal and cross-currency top-up becomes real wARS/wBRL/wCOP ↔ USD₮ RFQ volume on Celo.
• Keyless RFQ v2 with takerProof, two-leg routing, quote expiry checks, Uniswap fallback and refunds.
• Honest scope: P&L isn't the goal (the agent passes conversions through at cost); the originality is FX demand coming from real savings flows.

Track 3 · Build with buy (usebuy.ai)

• Problem solved: an always-on savings agent has to read the chain reliably without running infra.
• Integration depth: SQD via buy (free) detects every paycheck and the agent's own tx history (used for idempotency); Chainstack Celo RPC via buy is paid per cycle over x402 (US$0.01) with one batched call containing every user's balances, allowances, income currency and sweep cursor — no spam. Receipts are shown in the app.
• Resilience: retries SQD on 429/5xx and falls back to the public RPC.