Saving spare change is a classic financial habit, but it's always been broken or never really existed onchain. Every small deposit had to be done manually, and earning real yield requires active management. But not anymore.

dammn is an onchain microsavings app that puts your spare change to work. It's a "set and forget" savings layer for your smart wallet. After a simple one-time setup, every transaction you make in the stablecoin you approve —sends, trades, purchases, contract interactions —is automatically rounded up to the nearest dollar. The spare change is then put into a high-yield Morpho Vault where it can grow. The user can withdraw their stablecoins at any time with one click of a button.

dammn is designed to make saving and earning yield an invisible, effortless background process, turning every onchain interaction into savings.

Automation - your personal, onchain savings machine.

• One Time Setup, You approve your stablecoin/s once using spend permissions.

• Invisible Savings, Every send, swap, or onchain interaction becomes a savings opportunity, without you lifting a finger.

• Gasless, The integrated paymaster covers the gas fees on all savings deposits and withdrawals, so every cent of your spare change goes directly to work for you.

• Real Yield, Your savings don't just sit there, they're put into a Morpho Vault to earn real, onchain yield.

One challenge I ran into was deciding on the architecture for tracking and filtering user transactions in real time. I first built a system using a direct WebSocket connection to an RPC node. It required complex logic to handle connection drops and would have been a significant infrastructure and computational burden to scale and maintain. After some research, I found and pivoted to using Alchemy's Webhooks. This completely offloaded the responsibility of blockchain listening aswell and saving a lot of computational resources. Instead of the server constantly managing a connection, Alchemy simply notifies the app when a transaction from a users wallet occurs, then the backend filters it and decides weather or not to round it and deposit the change to a Morpho Vault. This made the backend simpler, more reliable, and alot more scalable.

Another challenge I ran into was the backend implementation of spend permissions. I initially faced a problem where I was getting a gas estimation with the cdp server wallets error when trying to use the spend permission, the problem was that the permission wasn't approved onchain. The solution was to create the approval logic on frontend where it would approve onchain right as the user approved it.

https://github.com/Ga-1ile0/dammnpublic

https://dammn.xyz

Active management is the biggest barrier to entry for saving onchain. Users need to constantly be depositing their funds, constantly clicking, approving, and paying gas. dammns unique value proposition is turning this active process into a passive, invisible, and automated experience where the user doesn't even have to think about it.

dammn stands out by being an automated savings layer rather than just an interface. The real magic is the seamlessness and automation, users don't have to do anything after they approve the spend permission for their savings to grow. This is powered by base account, making a web2 like experience possible onchain.

The alpha build directly validates this. It demonstrates the core "magic loop" that no competitor offers

- A user grants a simple spend permission.

- They make any onchain transaction (like a send or swap).

- They see their spare change automatically appear in a high-yield Morpho Vault, without any further interaction or gas fees.

This proves our core promise, dammn makes saving and earning an effortless byproduct of daily onchain activity.

The initial target customers are crypto-native individuals who use the base app/base account. These users are already transacting onchain, buying and selling coins, NFTs, and engaging with mini apps, but find the complexity of active saving to be a major time sink. They understand the value of saving and yield but want smart, automated tools that work for them in the background. I’ve confirmed this through DMs to TBA users, and many of them said similar things. They said that if there was an option or a way they could save onchain without actively thinking and acting on it by approving and depositing tokens, they would definitely use it. The desire for "set and forget" tools is a constant theme. Users are looking for ways to make their assets productive without having to think about it.

Competitors fall into two categories

1. FinTech Round-Up Apps, Acorns (acorns.com) and Digit (oportun.com/savings) are the biggest competitors in this category. They pioneered the automated micro savings model in web2. Dammn in different because its transparent, and built onchain. Users direct access to the newest yield protocols, not the low-yield bank accounts used by the FinTech counterparts. It doesn't matter where in the world the user is to start saving and earning yield, unlike with the web2 counterparts.
2. Manual yield protocols: There are some powerful tools for active DeFi users like Morpho itself or other yield protocols, providing an interface to interact with protocols. Dammn is a passive, automated savings engine. The true competitor is having to actively deposit into these protocols, dammn is 10x better because the user doesn't have to even think about saving and they'll be doing it, automation is key.