‘Flock It’ addresses financial exclusion by making DeFi accessible to underserved communities. Current barriers include:

High Complexity – DeFi Requires Financial & Technical Knowledge

• Flock It uses simple, goal-based intent, powered by AI agent automation, abstracting complexity from the end user.

Lack of Financial Access – Billions Remain Unbanked or Underbanked

• Flock It’s hackathon solution aims to facilitate self-repaying microloans that are autonomously managed by AI agents.

Debt Traps & Liquidations – Lack of Automated Refinancing & Risk Protection

• An extension of Flock It would include AI agents that autonomously refinance loan positions using flash loans, ensuring borrowers always have the cheapest debt.
• Another extension would monitor Loan-to-Collateral (LTC) ratios and use predictive analytics to mitigate liquidation risks.

Cross-Chain Inefficiencies – Difficulty Moving Assets Across Chains

• Users struggle to move assets across Acala, Parallel Finance, and other chains to access the best opportunities.
• An extension of Flock It is to integrate its framework across multiple chains and protocols, ensuring access to the best lending and yield opportunities.

Everything happens seamlessly & autonomously, with zero manual intervention:

1. User connects wallet
2. User enters financial goals (e.g., self-repaying loan, refinancing, yield farming, etc.)
3. Meta-agent router selects the best AI agents, indexed from various marketplaces (OLAS, Theoriq, etc.)
4. Selected AI agents evaluate user goals and formulate a strategy recommendation based on market data, loan rates, risk conditions, etc.
5. Recommended strategy is executed on integrated DeFi protocols, such as Silo Finance, Uniswap, Acala, or Parallel Finance
6. Users see real-time results on their financial goals

Flock It uses a modular design to allow easy expansion to new AI agents and DeFi integrations. For details on the current product’s architecture, refer to the GitHub page.

Frontend

• React-based UI for users to set financial goals and track results
• (Currently, the project is executed from the command line.)

Backend

• AI agent orchestration with a meta-agent selecting the best agents from various AI marketplaces (OLAS, Theoriq)
• Uses proprietary AI models for strategy selection

AI Model & Intelligence Layer

• Built on Theoriq framework, enabling modular intelligence expansion
• Can integrate additional intelligence sources & agents as needed

Market Data Layer

• Agents analyze interest rates, liquidation risks, and social sentiment (e.g., Twitter, market feeds)

Execution Layer

• Once a strategy recommendation is made, smart contracts interact with integrated DeFi protocols
• May involve one or multi-step transactions to execute the recommended strategy

• Uniswap – Decentralized token swaps
• Silo Finance – Isolated lending market integration
• Theoriq – Launches a swarm of AI agents that work together within a multi-agent framework to formulate and execute the recommended strategy
• OLAS AI Marketplace – AI agents can be triggered from the OLAS marketplace
• Polkadot (XCM) – In Progress – Enables cross-chain transactions between Acala, Parallel, and Moonbeam
• Alchemy – Provides blockchain data & analytics for AI-driven decision-making
• Cookie Data – AI agents analyze on-chain user behavior & market trends
• Twitter – Sentiment analysis for market trend forecasting & strategy refinement
• Anthropic – Utilizes Claude AI for natural language processing and advanced decision-making within AI agents

Unlike existing DeFi solutions that require constant monitoring, Flock IT allows passive participation in a complex market, making DeFi accessible to everyone

Key Features & Innovations

• AI-Powered Microloans – Enables self-repaying loans for underserved users, uniquely tailored to their financial needs (use case of our demonstration)
• AI Framework Collaboration – Calls on multiple AI agents that collaborate to achieve the best outcome for the user
• Debt-Free Borrowing – Borrowers can automate repayments via yield strategies using a Silo Finance hook, allowing AI agents to autonomously repay loans from trading income
• Public Good Alignment – Supports SDG goals, including financial inclusion & reduced inequality.
• Fully Automated Finance – No need for manual position tracking, refinancing, or liquidation risk management—everything is handled through a simple interface for users

The goal was to build a working MVP within the hackathon timeframe, with expansion planned post-event.

• Rapid Prototyping – We made big assumptions about the ease of integrating with protocols, but ultimately narrowed down to the technologies that made the most sense for our use case and time constraints
• Hard-Coded Workarounds – Some aspects, such as Meta-Agent orchestration (searching for the best DeFi agents), are not yet implemented, and instead, our proprietary AI model is used via brute force
• Future AI Model Strategy – We believe Flock IT's future will be a hybrid model, combining proprietary AI models with third-party AI models from marketplaces like OLAS & Theoriq
• Limited Integrations (For Now) – Currently, Uniswap & Silo Finance are built-in, but Acala, Parallel, and other parachains can be added later due to our modular design