Personal USDC PayFi Wallet

You are the hero of financial innovation

This month's lunch money,
your wallet earns it

Just deposit USDC and AI handles the rest. No need for a lot of money. Start with just coffee money.

Get Started
Aave V35.1%
Morpho5.6%
Ondo USDY5.0%
Huma Finance11.0%
Circle CCTP

Total Value Locked

$24,831.47

+$12.3400 earned today

프로토콜별 배분

Morpho
40%5.6%
Ondo USDY
35%5%
Huma Finance
15%11%
Aave V3
10%5.1%

Agent Activity

Live

How much can you earn?

Small amounts are enough

No DeFi knowledge needed. AI manages it automatically.

Deposit $100

~$0.42

Monthly yield

Coffee

Deposit $500

~$2.08

Monthly yield

Delivery fee

Deposit $1,000

~$4.17

Monthly yield

Lunch

Traditional Wallet

  • Just a tool to send and receive
  • Balance just sits there — 0% interest
  • DeFi is scary and complicated
  • You have to actively manage to earn

Walits Personal

  • AI automatically manages your deposits
  • Yield starts immediately with no idle time
  • One button, setup complete
  • Interest accumulates even while you sleep

How does it work?

Just one thing to do — deposit

AI agents manage your money 24/7 in the best places. No complex setup or DeFi knowledge needed.

01

Auto-Deposit Agent

Starts earning the moment you deposit. No setup needed — yield starts immediately when money comes in.

02

Settlement Agent

Interest accrues even while sending money to friends. Auto-manages until just before transfer then instantly settles.

03

Payroll Agent

Deposits until payday to earn interest, then auto-sends on salary day. Just set it and forget it.

04

Subscription Agent

Automatically pays for Netflix, YouTube Premium and other subscriptions using only the interest, leaving principal intact.

05

Portfolio Agent

Automatically allocates protocols based on your risk preference with weekly rebalancing. Just pick and you're done.

Investment Presets

Choose based on your preference

Safely little by little, or a bit more aggressively. Either way, it runs automatically.

Orange

Low
4~5%

100% Ondo USDY. 10% liquidity reserve.

Apple

Mid
6~8%

Ondo 40% + Morpho 40% + Aave 20%. Weekly rebalancing.

Chili

High
10~12%

Huma 50% + Morpho 30% + Maple 20%.

Sleeping Money

Low
Auto

Auto-deposits at highest APY instantly. 15% liquidity reserve.

Fast Settle

Low
Float interest + 0%

Deposits until settlement, auto-recalls 1h prior and settles immediately.

Sub Manager

Low
Subscription savings

Automatically pays monthly subscriptions using interest from principal.

Security & Architecture

My money,
my control

Private keys are split across 3 locations. Even if hacked, breaching just one location means nothing happens. Unlike exchanges, this is not a custody model.

EthereumBaseTronSolana
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Rust

MPC Signing Server

CGGMP24 ECDSA + FROST EdDSA implementation. TEE environment isolation.

Claude

AI Agent

Natural language → tool call pipeline. LangChain-based orchestration.

Rust

Balance Detector

Real-time block polling. Triggers Idle Time removal immediately on deposit.

NestJS

PayFi Execution Layer

Direct integration with Aave / Morpho / Ondo contracts. MPC signing → broadcast.

Walits — USDC PayFi 지갑 · 스테이블코인 수익