The Problem NapFi Solves: Taming Two Complex & Unfair Economies
NapFi addresses two major, parallel challenges in the digital world:

1. In Decentralized Finance (DeFi): Overwhelming Complexity & Risk

   • The Problem: DeFi is a labyrinth of thousands of confusing "vaults" and strategies. Users face opaque risks, unclear yields, and the constant fear of making a costly mistake. It's a world built for experts, leaving everyday people behind.

   • The NapFi Solution: We act as your intelligent DeFi guide. Our AI cuts through the noise, finding you the best, safest opportunities and explaining them in plain English.

2. In the Creator Economy: Unfairness & Lack of Access

   • The Problem: Creators (musicians, YouTubers, streamers) get a tiny slice of the revenue they generate (e.g., as little as 15% on Spotify). Fans have no real way to support their favorite creators beyond passive consumption, and investors lack transparent data.
   • The NapFi Solution: We turn creator revenue into an open, investable asset. We tokenize royalties and ad revenue, ensuring creators get a fair share and allowing fans to become true stakeholders.

What Can People Use Napfi For?
NapFi is your all-in-one platform for smarter investing and deeper fan engagement.
🧠 For Everyday Users & Fans: Simpler, Smarter Investing
Tired of DeFi's complexity and wanting a real stake in the content you love? NapFi is for you.

• Find the Best Opportunities with AI: Instead of scrolling through endless, confusing DeFi vaults, use our AI-Powered Vault Scanner. NapFi Brain does the hard work for you, scanning for the best options and explaining them in plain English: "This vault yields 8% via Aave with a 2% impermanent loss risk."

• Earn Yield on Autopilot: Stop manually chasing the best yield across different protocols. With Automated Yield Optimization, you deposit once, and our smart contracts automatically route your funds across top DeFi platforms like Aave and Curve to maximize your returns.

• Invest Directly in Your Favorite Creators: Move beyond passive listening and watching. You can become a true stakeholder in an artist's or streamer's success by depositing into a vault like "stTAYLOR" for music royalties or "stPEWDS" for YouTube ad revenue, earning a share of their income.

• Unlock Exclusive Rewards: Your fandom now has tangible benefits. Through Gamified Staking, you can stake your vault tokens to unlock exclusive perks like NFTs, private Discord access, concert tickets, or exclusive content.

🎸 For Creators (Artists, YouTubers, Streamers): Fairer Revenue & Deeper Communities
If you're a creator tired of unfair revenue splits and seeking deeper community engagement, NapFi offers a new path.

• Keep a Larger, Fairer Share of Your Revenue: Traditional platforms often take a huge cut. By tokenizing your revenue streams (royalties, ad shares) into a NapFi vault, you can retain 70% or more of your earnings, distributing the rest transparently to your fans.
• Gain Transparency and Predictable Income: Replace opaque analytics and unpredictable payouts with On-Chain Transparency. Every single revenue split is recorded on the blockchain, allowing you and your fans to see exactly where the money flows, building unparalleled trust.
• Tap into a New Revenue Stream: Monetize your superfans in a revolutionary way. Launching your own vault creates a new, decentralized form of community-funded financing, allowing you to raise capital and engage your top supporters without relying on traditional middlemen.

💼 For Labels, Investors & Enterprises: Transparent Data & New Assets
For industry professionals, NapFi turns creator economics into a transparent, investable asset class.

• Make Smarter, Data-Driven Decisions: Stop relying on incomplete or self-reported data. Access enriched, on-chain analytics on creator performance, from streams and views to engagement, enabling you to make investment choices based on verifiable data.

• Own and Control Revenue Strategies: Go beyond passive investment. With Tokenized Strategy Ownership (ERC-7002), you can own an NFT that grants control over a vault's financial strategy, allowing you to actively manage and profit from the logic behind a creator's success.

• Build Trust as a Platform: If you're a platform like Spotify or YouTube, you can integrate NapFi's vaults as Infrastructure-as-a-Service (IaaS). This offers your creators a transparent, modular financial ecosystem, turning a "black box" into a trusted, value-added feature.

⚙️ For Developers: Faster, Cheaper Building

• Accelerate Development: Use our SDK and pre-audited, modular templates (ERC-4626/ERC-7002) to build custom vaults and strategies, slashing both development time and audit costs.

Building a project as ambitious as NapFi was filled with significant challenges. Here’s a breakdown of the key hurdles we ran into and how we overcame them.
Challenges I Ran Into
The development of NapFi was a journey of integrating three complex worlds: DeFi Smart Contracts, AI/Backend Systems, and Creator Economy Logic. This fusion presented unique and difficult challenges.
1. The Modular Vault Integration Puzzle

• The Challenge: Our core architecture relies on the ERC-4626 standard for vaults and ERC-7002 for strategy NFTs. The initial hurdle was making these two standards work together seamlessly. We struggled with the "delegation" of control. How does an ERC-7002 Strategy NFT actually enforce its logic (e.g., a 50% fan revenue split) on the underlying ERC-4626 vault without creating a tightly coupled, monolithic mess? The first implementation was buggy, with permission errors and failed transaction reverts when the strategy NFT owner tried to adjust parameters.

• The Solution: We introduced a "Strategy Router with Permissioned Hooks" pattern. The core vault remains standard ERC-4626, but its key functions (like afterDeposit for yield allocation or beforeWithdraw for fee calculations) make external calls to a router. This router then checks the active Strategy NFT's stored logic and executes any predefined "hooks." This cleanly separated the vault's asset-holding function from the strategy's control logic, enforced by the NFT ownership.

2. The "AI Oracle" Problem: Trustlessly Connecting Off-Chain AI to On-Chain Contracts

• The Challenge: Our "NapFi Brain" AI runs off-chain for efficiency, but its yield recommendations needed to influence on-chain fund allocations in our StrategyRouter.sol. The classic blockchain oracle problem emerged: how do we get this off-chain data on-chain in a way that is trust-minimized and tamper-resistant? We couldn't just have a centralized server sign a transaction, as it would defeat the purpose of decentralization and become a single point of failure.
• The Solution: We leveraged the Model Context Protocol (MCP) not just for AI communication, but as a framework for verifiability. The AI's strategy recommendation (e.g., "60% to Aave, 40% to Compound") is signed by a decentralized quorum of our off-chain "Brain" nodes. The on-chain router contract verifies these signatures. Furthermore, we integrated Chainlink Oracles to pull in verifiable on-chain data (like current APYs from Aave/Compound) that the AI's recommendation must logically align with, providing a secondary check. This created a hybrid, more robust system.

3. Frontend Complexity & Wallet Integration for Non-Crypto Users

• The Challenge: Our target audience includes music and streaming fans who may never have used a crypto wallet. The initial user flow connecting a MetaMask, switching to the Base network, acquiring ETH for gas, swapping for USDC, and finally depositing was a user experience nightmare. We saw a >90% drop-off in our beta testing during these steps.
• The Solution: We aggressively implemented a "Web2.5" onboarding approach:
  • Thirdweb SDK & Smart Wallets: We integrated Thirdweb's SDK, which supports embedded wallets and social logins, abstracting away the seed phrase complexity.
  • Gas Sponsorship: For initial deposits, we implemented a meta-transaction system (via OpenZeppelin's GasStation network) to sponsor gas fees, allowing users to pay in USDC without needing native ETH.
  • Fiat On-Ramp Partnership: We integrated a fiat on-ramp provider directly into the app, allowing users to buy USDC with a credit card in a few clicks, drastically simplifying the funding process.

4. Simulating and Securing Creator Revenue Streams

• The Challenge: How do you accurately and securely simulate the yield for a "stTAYLOR" music royalty vault? The revenue from Spotify/YouTube is off-chain, sporadic, and based on opaque platform policies. Building a reliable and attack-resistant model for this was a major hurdle. We initially faced issues where our mock revenue streams could be easily manipulated in tests.
• The Solution: We built a "Multi-Source Oracle Verification" system for our creative vaults.
  1. Chainlink Functions periodically fetches and verifies revenue data from creator APIs.
  2. The Ethereum Attestation Service (EAS) is used to make verifiable, on-chain statements about revenue reports, creating a cryptographic paper trail.
  3. A time-lock and dispute period was added before revenue is distributed, allowing for manual review in case of anomalous data, mitigating the risk of a single oracle being compromised.

By tackling these challenges with innovative architecture and a user-first mindset, we successfully built a functional and secure NapFi prototype.

https://github.com/n6p-finance

https://napfi-zenith.vercel.app/

NapFi's Unique Value Proposition
NapFi isn't just another DeFi yield aggregator or a niche NFT platform. We have a singular, powerful thesis:

We are the first DeFi operating system that merges intelligent yield optimization with the tokenization of real-world creative revenue, creating a single, transparent, and gamified economy for capital and creativity.

While others solve one piece of the puzzle, NapFi connects them into a virtuous cycle. Here’s what makes us different:
The "NapFi Edge": A Three-Part Innovation

1. We Unlock a New Asset Class. Traditional DeFi (like Yearn) optimizes yield on purely on-chain crypto. We go further by bringing off-chain, real-world creative revenue, from Spotify royalties to YouTube ads, into DeFi. This opens up the massive $500B+ creator economy as a yield-bearing asset class for the first time.
2. We Add DeFi Intelligence to Creator Finance. Platforms like Royal or Opulous focus on selling royalty shares. NapFi doesn't just tokenize, we actively optimize. Creator revenue is deposited into AI-managed vaults that automatically generate additional yield from established DeFi protocols like Aave and Compound, boosting returns for both creators and fans.
3. We Create a Single, Fused Experience. Other platforms treat DeFi and creator assets as separate, siloed products. With NapFi, investing in a "stTAYLOR" vault means you're simultaneously earning a share of streaming royalties and the yield from our AI-driven DeFi strategy. It's not two separate investments; it's one powerful, productive asset.

How Our Alpha Build Validates This Value
Our current prototype is a functional proof-of-concept that validates our core differentiators.

• ✅ The Modular Architecture Works: Built on Base Sepolia, our alpha features a working ERC-4626 vault and a strategy router that successfully routes deposits between mock DeFi adapters. This proves our foundational premise of a flexible, composable vault system.
• ✅ AI Successfully Drives On-Chain Strategy: Our "NapFi Brain" (a Python/FastAPI server) is actively integrated. It analyzes data and pushes signed allocation recommendations to the blockchain, demonstrating a functional, trust-minimized bridge between off-chain AI and on-chain execution.
• ✅ A Unified User Experience is Possible: Our React frontend demonstrates the seamless flow we promise. A user can connect a wallet, see vaults, deposit funds, and receive shares in a single transaction, proving we can abstract away the underlying complexity.
• ✅ Tokenized Strategy Control is Feasible: We have deployed a basic ERC-7002 contract. Our tests confirm that owning a strategy NFT can grant exclusive rights to adjust a vault's parameters, proving our novel model for granular, ownable control.

In summary, our alpha demonstrates the synergistic integration of AI, modular DeFi, and creator assets. We have built the core plumbing for a new economy where supporting your favorite artist and optimizing your crypto yield are not just related, they are the very same action.

NapFi serves a multi-sided marketplace, targeting two core user segments to drive ecosystem growth.

Primary Target Customers

1. The "Web2.5" Fan & Retail Investor

   • Who: Digitally-native music and streaming fans who are curious about crypto but find DeFi too complex and risky. They currently support creators through subscriptions and merch.

   • Their Pain Point: No way to make a financial investment in creators they love. They are excluded from economic upside and intimidated by traditional DeFi.

   • Why NapFi Works: We offer simple, AI-guided investing with dual rewards: financial yield from DeFi strategies and emotional value from gamified perks like exclusive content and NFTs.

2. The Mid-Tier, Digitally-Native Creator

   • Who: Independent musicians, YouTubers, and streamers with dedicated communities but limited resources. They're motivated to increase revenue and deepen fan engagement.
   • Their Pain Point: Unfair revenue splits (often keeping just 15-30%) and limited monetization options beyond platform payouts.
   • Why NapFi Works: We provide a turnkey solution to increase their revenue share to 70%+ through tokenization, while creating a new community-funded income stream without requiring blockchain expertise.

Secondary Customers

• Labels & Investors: Use our platform for data-driven talent discovery and investment via strategy NFTs.
• Developers & Platforms: Leverage our IaaS and SDK to build their own tokenized vault experiences.

Validation of Our Target Audience
Our customer focus is validated through direct research and testing:

1. Market Data: The $500B+ creator economy and growing music NFT market confirmed the opportunity. DeFi's high drop-off rates validated the need for simplification.

2. Creator Interviews: Conversations with artists and streamers revealed strong interest in fan-funded models but resistance to technical complexity. Our vault-as-a-service model addressed this directly.

3. User Testing: Alpha testing showed >90% drop-off during traditional wallet onboarding. This led to our "Web2.5" pivot with social logins and gas sponsorship, dramatically improving retention.

4. Early Concept Validation: Soft-launching the vault concept showed fans' willingness to invest $10-$50 for combined financial returns and exclusive perks.

This validation confirms that serving fans and creators first creates the foundation for a sustainable ecosystem.

NapFi operates at the intersection of two spaces: DeFi Yield Aggregation and Creator Tokenization. Our closest competitors are the leaders in each of these respective fields, but no single competitor combines them as we do.

Main Competitors

1. Yearn Finance
   • URL: https://yearn.finance/
   • What they do: The blue-chip DeFi yield aggregator. Yearn automates yield farming by depositing user funds into optimized strategies across various lending and trading protocols.
   • How we are similar: We also use a vault model (ERC-4626) and automate yield optimization across DeFi protocols.
   • How we are different: Yearn's strategies are focused exclusively on crypto-native yields (e.g., lending, liquidity provisioning). NapFi's core innovation is introducing a new asset class: tokenized real-world creator revenue. A "stTAYLOR" vault in NapFi generates yield from both DeFi protocols and Spotify/YouTube royalties, creating a dual-yield engine that Yearn does not offer.
2. Royal
   • URL: https://royal.io/
   • What they do: A platform that allows artists to tokenize their music royalties (as NFTs) and sell them directly to fans.
   • How we are similar: We also tokenize creator revenue streams (like music royalties) to allow fan investment.
   • How we are different: Royal is primarily a marketplace for royalty NFTs. NapFi adds a layer of DeFi intelligence. Instead of a static NFT, fan investments are pooled into an ERC-4626 vault where the capital is actively managed by AI to generate additional yield from established DeFi protocols. This means a fan's share in a NapFi vault is a productive, yield-generating asset, not just a passive claim on future royalties.
3. Opulous
   • URL: https://opulous.org/
   • What they do: Offers music copyright-backed NFTs and DeFi lending, allowing fans to earn from royalty streams and artists to get upfront capital.
   • How we are similar: We both bridge music/creators with DeFi and use tokenization.
   • How we are different: Opulous focuses on lending against royalty streams (a credit model). NapFi focuses on direct, fractionalized ownership and yield aggregation (a capital formation and growth model). Furthermore, NapFi's scope is broader, targeting the entire digital creator economy (YouTube, Twitch, art), not just music. Our use of ERC-7002 for strategy NFTs also introduces a novel model for governance and control that Opulous lacks.

In essence, while our competitors are experts in their respective lanes, NapFi is building the connective tissue between them. We are not just another yield aggregator or another creator platform; we are the first DeFi Operating System for the Creative Economy, where capital and creativity work in tandem.