ZeroClick

The Problem: DeFi's Fatal UX Flaw

Every DeFi transaction requires a wallet signature. Users face constant Wallet popups interrupting their flow. AI agents can't truly help because they can't execute autonomously. Automated strategies fail because users must manually approve each action. This signature fatigue keeps 99% of people away from DeFi.

The result? DeFi remains inaccessible, unautomated, and unusable for mainstream adoption.

The Solution: ZeroClick

DeFi Card introduces the Smart Card Model - a revolutionary approach to DeFi UX powered by MetaMask Smart Accounts and delegations.

Live Web app: https://zero-click.vercel.app/

How It Works

1. Fund Your Smart Card - Add USDC, ETH, or any supported token to your card with a safe, limited amount

2. Grant Delegation - One-time permission to the AI agent (secured by ERC-7710)

3. Trade Freely - Execute unlimited swaps, set limit orders, manage your portfolio

4. Zero Signatures - Every transaction executes instantly without wallet popups

Think of it like a debit card for DeFi: limited funds, unlimited convenience, complete control.

🤖 AI Agent: Autonomous DeFi Execution

Natural Language to On-Chain Execution

ZeroClick features a conversational AI agent that understands complex commands and executes autonomously through delegated permissions:

- "Buy $200 worth of ETH" → AI composes swap, gets confirmation, executes instantly

- "Set a limit order to buy ETH at $3000" → AI creates and monitors order, executes when triggered

- "What's my portfolio worth?" → AI analyzes balances and provides insights

True Autonomy

Unlike recommendation-only chatbots, our AI agent actually executes transactions on behalf of users. The Smart Card delegation model enables this autonomy while maintaining security - the agent can only operate within the pre-funded card balance.

Multi-Step Intelligence

The AI handles complex operations: parsing intent, composing transactions, validating parameters, presenting confirmations, and executing on-chain - all through a simple chat interface.

⚙️ On-Chain Automation: Set It and Forget It

Automated Limit Orders

Users can set limit orders through AI chat or traditional forms. Once set, the system monitors price feeds 24/7 and executes automatically when conditions are met. No manual intervention required.

Delegation-Powered Automation

The Smart Card delegation model solves DeFi automation's trust problem:

- Scoped Permissions - Agent can only execute predefined operation types (swaps, limit orders)

- Limited Exposure - Only card balance is at risk, never the full wallet

- Revocable - Users can disable delegation instantly

- Transparent - All transactions are auditable on-chain

Future Automation Possibilities

The architecture supports recurring buys (DCA), portfolio rebalancing, stop-loss orders, and conditional strategies - all executing automatically without signatures.

👥 Consumer Application: DeFi for Everyone

The Card Mental Model

We chose the "card" metaphor because everyone understands cards. Users don't need to understand delegations, smart accounts, or ERC standards. They just:

- Fund their DeFi Card

- Trade through chat or forms

- Monitor their card balance

- Revoke when needed

Dual Interface for All Users

For Casual Users:

- AI chat interface removes all complexity

- Natural language commands ("buy", "sell", "balance")

- No need to understand slippage, gas, or DEX mechanics

For Power Users:

- Traditional swap and limit order forms

- Full control over parameters and settings

- Precision without sacrificing convenience

Both interfaces share the same benefit: Zero wallet signatures, instant execution.

Removing Web3 Friction

- No gas token needed - Users fund card with any supported token

- No signature popups - Delegation handles permissions upfront

- No transaction failures - Clear confirmations before execution

- No confusion - Simple card balance, clear transaction history

Beautiful, Intuitive Design

Consumer-grade UI that feels like Venmo or Cash App, not typical DeFi applications. Clean card dashboard, smooth animations, mobile-responsive interface.

💎 Innovation: The Smart Card Delegation Model

Why This Is Unique

Traditional delegation approaches grant broad permissions to entire wallets, creating security concerns. DeFi Card's Smart Card model introduces scoped, budget-limited delegation:

Innovation 1: Financial Boundaries

Users control exposure by funding only what they're comfortable risking. Fund $100, trade with $100. Not $100k in your main wallet.

Innovation 2: Dual Interface on Same Delegation

One delegation powers both AI agent execution AND traditional form submissions. Maximum flexibility, consistent security.

Innovation 3: User-Controlled Budget

Users can fund, withdraw, or revoke at any time. The card balance acts as both a spending limit and a safety mechanism.

Innovation 4: Familiar Mental Model

"Smart Card" is intuitive. Users understand cards. This makes delegation technology accessible to non-technical audiences.

Enabling New Use Cases

This delegation model enables:

- AI agents that can truly act autonomously

- Automation without trusting bots with full wallet access

- Casual users participating in DeFi without understanding Web3

- Multiple cards for different purposes (trading card, gaming card, bill-pay card)

🛠️ Technical Architecture

Built on Best-in-Class Infrastructure

- Monad Testnet - High-performance EVM L1 (10,000 TPS, 400ms blocks)

- MetaMask Smart Accounts - ERC-4337 account abstraction

- ERC-7710 Delegations - Secure permission framework

- Delegation Toolkit SDK - MetaMask's official delegation implementation

Smart Contract Architecture

```

User EOA Wallet

↓ creates

MetaMask Smart Account (ERC-4337)

↓ issues delegation (ERC-7710)

Smart Card (funded balance)

↓ executes via

AI Agent (backend) OR Form Interface (frontend)

↓ interacts with

Monad DeFi Protocols (DEXs, price oracles)

```

Security Model

- Non-custodial - Users own their Smart Accounts

- Scoped permissions - Delegation limited to specific operations

- Revocable - One-click disable via card dashboard

- Auditable - All transactions visible on-chain

- Limited exposure - Only card balance at risk

AI Implementation

- Natural language processing for intent parsing

- Transaction composition and validation

- Confirmation flow management

- Automated monitoring for limit orders

- Portfolio analytics and insights

Current Status

Fully Deployed on Monad Testnet

• MetaMask Smart Accounts integration complete

• Delegation Toolkit SDK implemented

• AI chat interface functional

• Swap and limit order forms working

• Card funding and withdrawal operational

• Transaction history and analytics live

• Revocation mechanism implemented

Live Web app: https://zero-click.vercel.app/

Demo Video: [Your URL]

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🌟 Vision: The Future of DeFi UX

DeFi Card is more than a hackathon project - it's a blueprint for how DeFi should work. By combining AI agents, smart delegations, and intuitive card metaphors, we're making DeFi accessible to everyone while maintaining the security and control that crypto promises.

The future of DeFi doesn't require signatures. It just requires a card.