MoltFi is an authorization-based onchain neobank that gives AI agents autonomous economic capabilities. Built on Ethereum and Layer 2 networks, MoltFi provides AI agents with programmable bank accounts that enable secure, policy-controlled transactions without requiring human approval for each payment.

Target Market: The emerging $1 trillion agentic AI economy, where AI agents need to execute payments, manage assets, and coordinate services autonomously.

Core Value Proposition: Professional-grade banking infrastructure that allows AI agents (particularly OpenClaw agents) to transact onchain with enterprise-level security, compliance, and programmable spending controls.

• Smart Account Infrastructure: Built on ERC-4337 Account Abstraction with gas sponsorship
• Secure Delegation: ERC-7710-based permission system—users never give agents raw private keys
• Programmable Policies: Fine-grained spending limits, vendor allowlists, and operational constraints
• Multi-Chain Support: Solana, Base, Ethereum
• Session-Based Payments: Authorize once, execute thousands of micro-payments seamlessly
• OpenClaw Native: First-class integration with the OpenClaw AI agent ecosystem
• Enterprise Ready: Compliance tools, audit trails, and SOC 2 certification path

# Install MoltFi CLI
npm install -g @moltfi/cli

# Create an agent account
moltfi agent create --name "Trading Agent Alpha" \
  --daily-limit 1000 \
  --network base

# Monitor agent activity
moltfi agent watch

import { MoltFi } from '@moltfi/sdk';

const moltfi = new MoltFi({
  apiKey: process.env.MOLTFI_API_KEY,
  network: 'base-mainnet'
});

// Create agent account with spending policy
const agent = await moltfi.agents.create({
  name: 'Trading Agent Alpha',
  policy: {
    dailyLimit: '1000 USDC',
    allowedContracts: ['uniswap-v3', 'aave-v3'],
    expiresIn: '30 days'
  }
});

// Agent executes transaction within policy
const tx = await agent.swap({
  from: 'USDC',
  to: 'ETH',
  amount: '100',
  slippage: 0.5
});

# Install MoltFi skill for OpenClaw
openclaw skill add @moltfi/openclaw-banking

# Your agent can now execute:
# - "Pay 50 USDC to 0x123... for API access"
# - "Swap 100 USDC to ETH on Uniswap"
# - "Check my MoltFi balance"
# - "Show my spending this week"

This organization contains the following repositories:

• moltfi-protocol - Core smart contracts (ERC-4337, ERC-7710, Authorization Engine)
• moltfi-sdk - TypeScript/JavaScript SDK for developers
• moltfi-api - Backend API and infrastructure
• moltfi-app - Web dashboard (Next.js)
• moltfi-cli - Command-line interface
• openclaw-banking - OpenClaw integration and skills
• moltfi-docs - Documentation and guides

MoltFi implements a multi-layered security architecture:

User maintains custody of private keys
    │
    └─ Creates delegation via ERC-7710
    │
    └─ AI Agent receives limited permissions:
         ├─ Daily spending limit (e.g., $500 USDC)
         ├─ Approved contracts only (allowlist)
         ├─ Time-limited (e.g., 30 days)
         ├─ Specific operations (swap, bridge, pay)
         └─ Revocable at any time

Every transaction is validated against policy contracts before execution:

• Per-transaction and daily spending limits
• Vendor/contract allowlists
• Operational constraints (time windows, asset restrictions)
• Multi-party approvals for high-value transactions

• Anomaly detection with automatic policy suspension
• Circuit breakers for rapid spending
• User notifications and manual override capabilities
• Complete audit trail for compliance

Execute swaps, provide liquidity, and rebalance portfolios autonomously within defined risk parameters.

Stream micro-payments for AI compute, data access, and agent-to-agent commerce without manual approvals.

Automated stablecoin operations, yield optimization, and cross-chain asset allocation for DAOs and protocols.

Programmatic payments for supply chain, payroll, and vendor management with compliance controls.

MoltFi is built on proven Ethereum standards:

• ERC-4337: Account Abstraction (100M+ UserOperations executed)
• ERC-7710: Smart Contract Delegation (secure permission grants)
• ERC-6551: Token Bound Accounts (agent identity)