AutoPayAI: AI-Driven On-Chain Automation for Smart Payments

AutoPayAI is revolutionizing how financial automation works on the blockchain — enabling secure, intelligent, and autonomous on-chain payments through AI-powered delegation and workflow execution.

🔗 Live Demo: https://auto-pay-ai.vercel.app/

🌍 Category: AI • DeFi • Infrastructure

Vision

To create a decentralized automation infrastructure where AI agents can manage smart contracts, execute transactions, and maintain DeFi workflows without human intervention — securely, transparently, and efficiently.

Core Concept

AutoPayAI bridges AI intelligence with blockchain delegation infrastructure, enabling smart contracts to perform tasks like recurring payments, automated disbursements, and treasury management with full user-controlled permissions.

Using delegation contracts, users can grant AI agents limited authority to act on their behalf — executing specific transactions while maintaining complete ownership and security of their funds.

For Users and Organizations

For Individuals

• Automate recurring payments (subscriptions, payrolls, loan repayments) directly on-chain.

• Maintain total custody of assets with delegation-based permissions.

• Reduce transaction fees and delays through AI-optimized batching and scheduling.

For DAOs & DeFi Protocols

• Deploy autonomous agents for routine governance tasks, fund management, and treasury distributions.

• Implement multi-role delegation for secure automation in organizational workflows.

• Integrate intelligent compliance and rule-based transaction management.

For Developers

• Access modular APIs and SDKs for integrating delegation, AI-driven triggers, and smart workflow automation.

• Connect via WalletConnect, Viem, or direct RPC for cross-chain execution.

• Customize conditions (time-based, event-based, or AI-inferred) for automated smart contract actions.

Creativity & Originality

AI-Augmented Financial Automation

• Intelligent transaction scheduling powered by AI inference models.

• Smart anomaly detection preventing unauthorized or duplicate transfers.

• Adaptive gas optimization to minimize transaction costs.

Delegation-Based Security Architecture

• Zero-trust delegation design where users sign granular permissions.

• Encrypted authority links ensuring AI agents cannot exceed their authorized scope.

• Multi-signature fallback to prevent accidental or malicious automation.

Cross-Chain Operability

• Built on modular infrastructure supporting multiple EVM-compatible chains.

• Integration-ready with Monad, Ethereum, and Arbitrum networks.

• WalletConnect-enabled for external signer support (cold wallets, mobile dApps).

Technical Implementation & Functionality

End-to-End Working Prototype

• Real-time delegation signing using WalletConnect and Viem.

• Wallet capability detection and fallback to simulation mode if signing fails.

• Smart delegation creation, validation, and chain submission with Hypersync.

• Logging, automation confirmation, and result persistence for workflow integrity.

Advanced Technical Stack

• Frontend: Next.js (Turbopack) + TypeScript for fast, modular UI.

• Blockchain: Viem + Hypersync for on-chain interaction and data fetching.

• Wallet Integration: MetaMask, WalletConnect, and DelegationManager.

• AI Logic: Off-chain agent logic (Node.js + Python) for automation triggers and transaction optimization.

Core Features Delivered

• Delegation creation and signing pipeline.

• Automated transaction authorization and execution.

• Simulated signing mode for local test environments.

• Logging dashboard for tracking delegated actions and transaction history.

• WalletConnect-based external signer integration.

User Experience & Design

Automation-Centric Dashboard

• Clear overview of delegations, status indicators, and transaction history.

• AI-trigger setup interface for custom automation rules.

• Responsive design optimized for desktop and mobile interaction.

Security-First Design

• Explicit permission prompts before any delegation signing.

• Real-time verification of delegation source, target, and scope.

• Encrypted logs ensuring auditability without revealing private data.

Potential Impact & Scalability

Market Potential

• Addresses the $300B+ automation economy through decentralized finance tooling.

• Reduces manual friction in DeFi operations, DAOs, and cross-chain workflows.

• Creates the foundation for AI-managed wallets and self-operating dApps.

Scalability Architecture

• Modular delegation contracts supporting multi-role authorization.

• Layer 2 ready for high-frequency automation at minimal gas cost.

• API-first design enabling third-party dApps to plug into AutoPayAI’s delegation layer.

Growth Pathway

• Phase 1: Automated DeFi payments and recurring transactions.

• Phase 2: AI-triggered contract workflows for DAO and treasury management.

• Phase 3: Cross-chain smart account automation and on-chain agent marketplace.

• Phase 4: Integration with real-world asset (RWA) protocols and financial institutions.

🔐 Security & Compliance

On-Chain Security

• User-controlled delegations with explicit permissions and expiry.

• Non-custodial structure ensuring users retain full control.

• Transaction simulation before execution to prevent errors.

Off-Chain Safety

• AI actions restricted by rule-based execution engine.

• Secure WalletConnect integration to avoid private key exposure.

• Encrypted session and logging for verifiable, tamper-proof automation.

Unique Value Proposition

For Users:

“Automate your payments without losing control — secure, AI-powered, and on-chain.”

For Developers:

“Integrate trustless automation directly into your dApp with modular delegation APIs.”

For DAOs and DeFi Systems:

“Empower your treasury and governance with intelligent, rule-based, and transparent financial automation.”

AutoPayAI isn’t just about automation — it’s the foundation for AI-native financial infrastructure, where payments think, adapt, and execute securely without human input. It bridges intelligence, trust, and decentralization, paving the way for the next generation of self-operating blockchain ecosystems.