DeFi App optimizes personal wallet management on web 3.0

The Troubles of Interacting in the DeFi Environment

• Complicated Experience: Having to interact across multiple complex platforms, confusing interfaces, each chain has its own gas fees, and other digital barriers make it difficult for new users to start accessing the DeFi environment.

• Fragmented ecosystem: Managing multiple assets on multiple blockchains and having to move to multiple ecosystem platforms to operate can be disjointed and time-consuming for users when managing multi-chain assets.

• Security risks: On DeFi, just by signing a strange protocol, revealing or forgetting the seed phrase, users may face being hacked or losing all their assets.

Defi.app's proposed solution:

• Create and manage multiple wallets simply and seamlessly with just a few taps.

• Easy to buy and sell with fiat currency.

• Cross-chain transaction capabilities.

• Simple interface, optimized user experience.

• No need to operate, worry about gas fees.

• The user has complete control over the assets.

What is DeFi App Project?

Defi.app is a Modular DeFi application built to optimize the Defi experience for users. Defi.app makes DeFi simpler and less confusing for all users. Defi.app helps users create wallets, transfer money and trade, and operate between blockchains easily.

When you sign up, Defi.app will automatically create 2 wallets for you, one for the EVM chain and one for Solana. This means you can get started right away without installing any extensions or writing a mnemonic phrase. You can also manage multiple wallets at once, so switching between wallets is easy.

Cross-chain compatibility: Defi.app allows users to move and swap tokens between different blockchains without having to understand how bridges or wrapped tokens work. Defi.app takes care of everything behind the scenes, so users don't have to worry about technical steps like bridging or converting between wrapped tokens or price slippage when bridging between chains. In addition, Defi.app also allows users to Long/Short on-chain tokens with leverage and Yield Farm assets through protocols such as: ENA, AAVE, Lido,... Easily and quickly.

No worries and no gas fees when transacting: When interacting, especially when transacting between block chains, users have to worry about preparing gas fee tokens suitable for those block chains. With Defi.app, users only need to hold the $HOME token, the project's only token, and you can transact and interact between chains without having to worry about gas fee tokens, thanks to the ERC-4337 smart account infrastructure. Instead of using ETH, BNB or SOL to pay transaction fees with Defi.app , users only need to use $HOME for all operations and transactions. As long as there is $HOME in the wallet, the application will automatically handle everything to ensure that the user's transaction is carried out successfully and quickly.

Completely decentralized: Centralized exchanges CEX often manage their own assets on behalf of users and users almost completely lose control over their own assets, which is contrary to the decentralized ideal of the crypto world. In addition, when using CEX, users also face legal risks, insolvency or worse, bankruptcy. These problems will be solved by Defi.app, with Defi.app users will have full ownership of their assets, eliminating the risk of fraud or legal risks of assets.

User-friendly: Defi.app is designed with a friendly, intuitive interface, making it easy for users to access DeFi products without much technical knowledge. The dashboard system clearly displays balances, profits and transaction status, and supports deposit, withdrawal, staking or governance in just a few simple steps. In addition, the application also integrates popular wallets such as MetaMask, Trust Wallet or WalletConnect, helping users connect quickly and securely. With a modern interface optimized for desktop and mobile. Defi.app has brought users a smooth, flexible and convenient experience.

Explore integration feature

• Crypto market overview statistics, showing major indicators such as:

• Total Crypto Market Cap

• Total 24h cryptocurrency trading volume.

• Supported tokens, over 40 million tokens.

• Supported Networks: Shows blockchains like Ethereum, Binance Smart Chain, Polygon,/…

• Search bar: Allows searching for anything on-chain related, with the suggestion "Search anything on chain...".

• Popular Categories: Where tokens are organized by topic. For example: RWA, DeFi, AI, Gamefi, Depin,..

Proactively suggest projects that are outstanding, rated, interested or in the top search within 24 hours on the market.

Smart Accounts by Defi.app

Defi.app's Smart Accounts are built on the Account Abstraction mechanism (EIP-4337 standard on Ethereum) to optimize the DeFi experience for users. Instead of having to manage gas and private keys separately on each chain for each transaction, Smart Accounts will act as integrated smart contract wallets that automatically handle gas fees, transaction signing, and implicit chain linking. As a result, users can seamlessly perform cross-chain transactions without having to manually switch between multiple wallets or bear the burden of native token gas.

When creating an account, Defi.app automatically deploys a Smart Account on all supported EVM chains and on Solana, using a single address for all EVM chains and a separate address for Solana. This means that regardless of which chain you transact on, your wallet address remains the same, making it easy to manage your assets and track transactions across networks.

Defi.app is responsible for funding gas fees through gas abstraction mechanism so users do not need to hold native gas tokens to transact. On EVM, thanks to EIP-4337.

ERC-4337 is an Ethereum standard that enables account abstraction, allowing users to interact with the Ethereum network through smart contract wallets without directly managing private keys or native ETH to pay gas fees.

Therefore, gas fees can be paid in ERC-20 tokens such as stablecoins or Defi.app’s $HOME token instead of native tokens, and all of these costs are covered by the ZeroDev architecture. Combined with the Paymaster solution on Solana, Smart Account ensures a “gas-free” experience or flexible gas payments for users across both ecosystems.

Reduced technical work: The Smart Account system is deeply integrated with Defi.app’s back-end mechanism to automate many complex tasks, for example: “Smart Accounts handle bridging (if tokens need to be transferred between chains) and signing transactions behind the scenes, eliminating the need for users to manually perform these steps. This makes trading operations much simpler, while also allowing for asset swapping or access to other DeFi products without the hassle of chain transfers.”

Instead of requiring users to create their own wallets and manage seed phrases, Defi.app allows users to sign up via email or social media. Defi.app’s Dynamic system automatically creates two default “integrated wallets” for users: a Solana wallet managed by Turnkey, and an EVM wallet that includes Turnkey’s signing keys and a ZeroDev smart account. This reduces the initial technical burden and allows users to start trading immediately without going through many complicated steps.

How it works technically

Smart Accounts' technology is based on the coordination of three core components integrated by Defi.app: Dynamic, Turnkey, and ZeroDev.

Dynamic is a wallet connectivity layer like WalletConnect that takes care of email/social sign-up and creates a seamless login flow.

Dynamic partners with Turnkey to generate and manage user signing keys. Turnkey is the key holder: on Solana, Turnkey maintains the master wallet where the actual assets are stored; on the EVM, Turnkey only manages the signing keys (which do not contain the funds), while user assets are stored in a smart contract wallet provided by ZeroDev.

ZeroDev is a Smart Accounts infrastructure on EVM chains: Creates and maintains smart contract wallets containing user assets, and implements a gas fee abstraction mechanism (thus users do not need to hold ETH/BNB to pay).

Specifically, on Solana Defi.app uses a single Turnkey wallet to hold SOL and SPL tokens (the standard token on SOL), and this wallet also coordinates bridging when needed. Gas transaction fees on Solana can be abstracted or funded through a system-customized mechanism.

In contrast, on EVM chains Turnkey only acts as a transaction signature for user funds located in ZeroDev's Smart Account.

For example, if a user exports a Turnkey private key and imports it into MetaMask, they will see an empty EOA because all the actual tokens are in the Smart Contract Account (ZeroDev) and not in the standard EOA.

Gas abstraction: Defi.app pays and hides the fee completely for users. On both Solana and EVM, this fee is “boxed” by the system: on EVM, thanks to EIP-4337, users do not need ETH (or BNB…) to pay the fee, the gas fee will be advanced by ZeroDev and refunded from Defi.app’s service fee. On Solana, Defi.app uses a custom paymaster to quote the fee and directly fund the transaction. Thanks to that, users only need to focus on DeFi operations, completely not having to worry about depositing ETH or SOL for gas fees when doing basic transactions.

Compliance with legal regulations

Defi.app is committed to strict compliance with cryptocurrency regulations. Defi.app affirms its compliance with Title II of MiCAR regulation (EU) 2023/1114 and provides transparent information for its listing purposes.

The project has implemented smart contract audits, pentests, and a bug bounty program. Additionally, the $HOME token for on-chain voting governance; treasury operations, and contract upgrades are all protected by multisig.

Defi.app has a compliance team that monitors regulations in multiple regions, coordinates with multiple exchanges to perform KYC/AML and apply access restrictions according to local laws. At the same time, Defi.app has chosen the Cayman Islands jurisdiction as the legal protection for current and future legal proceedings related to the $HOME token.

Defi.app uses real-time monitoring, circuit breakers, and continuous security reviews to minimize operational and legal risks. Audit reports have been published at TGE; the project is willing to cooperate with regulators.

Tokenomics and token supply allocation

• Token : HOME

• Project name: DeFi.App

• Smart Contract:

  • 0x4bfaa776991e85e5f8b1255461cbbd216cfc714f (Base)

  • 0x4bfaa776991e85e5f8b1255461cbbd216cfc714f (BNB)

  • J3umBWqhSjd13sag1E1aUojViWvPYA5dFNyqpKuX3WXj (Solana)

• Total Supply: 10,000,000,000 $HOME

• Circulating Supply: 2,720,000,000 $HOME

• Market capitalization: 103 million USD

Token allocation:

• ~47% for community and ecosystem development.

• 20% to the founding team.

• 10% for early investors.

• 10% to the Foundation.

• 8% for protocol development

• 5% for launch liquidity.

There is a 36-month vesting plan. Unlock 25% of $HOME tokens at TGE and unlock at a rate of 1.32% per month until 01/06/2026, there will be an 8.82% unlock. After that, $HOME will gradually unlock from 1.95%/month and gradually decrease to 0.62%/month, until all are unlocked.

HOME's utility in the ecosystem

HOME plays a central role in the DeFi App ecosystem with three main utilities:

Transaction fee: Thanks to the account abstraction mechanism, users only need to hold $HOME to pay the fee, instead of other gas coins such as (ETH, SOL, BNB,...). This makes cross-chain transactions convenient and creates stable pressure to buy $HOME.

DAO Governance: $HOME is the governance token, allowing the community to propose and vote on features, fee distribution, treasury strategy or buyback policy. The decision is in the hands of the users, ensuring the token is tied to real demand.

Buyback & Burning : 80% of net fee revenue is used to buy back $HOME into the DAO, reducing circulating supply while strengthening long-term value and maintaining the platform's reserve fund.

As a result, $HOME becomes the key link in the “growth spiral” of DeFi Apps: high transactions ⇒ high fees ⇒ buyback $HOME ⇒ increased value ⇒ incentivize staking & interaction ⇒ create more transactions.

Staking HOME Model

Users can stake $HOME for 4 terms: 3 – 6 – 9 – 12 months, with XP multipliers of 1.5× – 2× – 2.5× – 3× respectively. When staking:

$HOME is completely locked until expiration, cannot be sold or transferred.

Stakers receive additional “charges” to use the multiplier XP. Each transaction

XP and Bonus System HOME

XP is a measure of activity in the ecosystem, earned through:

• Swap tokens on DeFi App.

• Trade Perps (qua Hyperliquid).

• Staking $HOME (gets multiplier XP if charges remain).

• Referral (10% XP from invitee's activity).

XP is calculated for individuals & factions, resets every season. End of season ranking determines rewards.

Bonus $HOME:

• Users receive Bonus tokens (locked) when participating in campaigns (first deposit, referral, DAO event...).

• Bonus unlocked via XP only: 10 XP = 1 $HOME bonus, unlocked weekly. Claim required, otherwise cancelled at the end of the season.

Bonus $HOME after claiming can be staked again to continue enjoying multipliers, charges and airdrop benefits next season.

In Season 1, the community voted to increase the airdrop from 5% to 10% of the total supply. The additional 5% reward is only available to $HOME stakers, with a maximum of 100% bonus if the user stakes the entire amount for 12 months. However, the bonus amount is not received all at once, but will be unlocked gradually in Season 2. To unlock it all, stakers need to maintain an activity level (XP) of Season 2 that is no lower than Season 1.

Investor

The project has raised $6 million and is valued at $100 million in an Extended Seed round led by Mechanism Capital along with Selini Capital, North Rock Digital and reputable angel investors in the crypto industry.

Future Development Direction of Defi App

Defi App is positioned as a “bridge” between traditional finance and DeFi, targeting mainstream users who are familiar with centralized exchanges and fintech applications. In the context of DeFi’s still limited popularity, the platform’s development roadmap focuses on two main pillars: expanding the mobile experience and simplifying profit-making opportunities.

The Defi App is now in beta through the Google Play Store, bringing full DeFi functionality right to your smartphone. This mobile-first approach opens up direct social media connectivity, educational content integration, and on-chain trading, while eliminating many of the traditional barriers such as complex KYC procedures and manual wallet management.

Another major development is HOME Finance, which offers “one-click yield generation” strategies from proven protocols, with transparency on risk. HOME Finance will initially focus on ETH and USDC, then expand to BTC and other yield opportunities. The key is that users can take advantage of DeFi’s yield potential while retaining true ownership of their assets.

In the next phase, Defi App will deploy more:

• Advanced staking mechanism for HOME holders.

• Protocol bribe marketplace, where projects in the ecosystem compete to appear on the homepage.

• Comprehensive on-chain governance infrastructure, allowing the community to directly decide on token and platform development steps.

Evaluation and Conclusion

Defi.app is a decentralized finance project that focuses on transparency, security and ease of use. The project complies with international regulations such as MiCAR, has a dedicated legal team to monitor regulations and coordinate with the exchange to implement KYC/AML. At the same time, the project chooses Cayman Islands law as the legal basis for current and future procedures. In addition, Defi.app maintains a smart contract auditing mechanism, applies multisig, a bug bounty program with a continuous monitoring mechanism to reduce risks. The $HOME token is used for on-chain governance, demonstrating transparency in operations. With a modern, intuitive, easy-to-use interface and support for many popular wallets, Defi.app brings DeFi closer to the community, helping users access it confidently and conveniently.

Disclaimer: The information presented in this article is the author's personal opinion on the cryptocurrency field. It is not intended to be financial or investment advice. Any investment decision should be based on careful consideration of your personal portfolio and risk tolerance. The views expressed in the article do not represent the official position of the platform. We recommend that readers conduct their own research and consult with a professional before making any investment decisions.

Compiled and analyzed by HCCVenture

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