SmartX Finance · non custodial, on Bitcoin

An agent for your Bitcoin that cannot touch it.

It reads, it reasons, it hands you the transaction. You sign. No keys, ever.

The demo needs no wallet and no password. The app itself is password protected for now.

11 of 56
skills available, all under review
0.535225
USDCx arrived, first swap signed
$31,707
raised of a $100,000 goal
Try it here

Ask in plain words. See who answered.

Three questions and the answers SmartX gave, as recorded in the app's demo. Pick one: what answered it, what that may do, and its ruling appear underneath.

what is my portfolio worth

Nothing on this page can be signed.

The map after the portfolio question: your tokens on the left, the places they could go on the right, one route lit The skills library, grouped by the stage capital moves through The refusal card, offering skills to ask instead
answered by zbg yield scout reads only Capital on Zest, wallet too small to move
first swap signed 12 September 2026block 8,972,3080.535225 USDCx arrived against a 0.528285 floorfirst two coin deposit 13 September 2026block 8,981,80710 STX and 5 USDCx in deny modecheck-no-signing: passing11 of 56 skills available, all under review14 skills built, 5 merged upstream$31,707 raised of $100,000

How every turn goes

SmartX proposes. The chain enforces. You sign.
01
You ask

Plain words, and you never have to name a skill. No approval is signed in advance.

02
It reads and checks

Live mainnet data, then code decides whether money may move, and explains what it found.

03
You sign

In your own wallet, on limits the chain enforces. SmartX never holds a key.

What you can do today

Eight things, all live on mainnet.

You never name a skill. Ask in plain words and SmartX picks one of the 11 available to you.

  • ScanSee where your money sits across Zest, Hermetica, Granite and Bitflow HODLMMlive
  • VerifyCheck the sBTC peg, scored 0 to 100 with a GREEN, YELLOW or RED verdictlive
  • MonitorWatch a HODLMM position for drift out of its earning rangelive
  • SwapSwap between STX, sBTC, USDCx and USDh through one Bitflow poollive
  • ExecuteStake USDh in Hermeticalive
  • AllocateDeposit two coins into a Bitflow HODLMM pool you picklive
  • WithdrawWithdraw a whole HODLMM positionlive, unproven
  • ExecuteSee what actually arrived after you sign, the receipt and not the estimatelive
The real thing

Six screens. Nothing retouched.

The console. Your tokens on the left, where they could go on the right.

1 of 6
The skills library on a phone, grouped by stage The map on a phone, swiped across to the places your tokens could go
One thumb

The whole console, in your hand.

11skills available to you, of 56 in the library
9stages capital moves through, so you never name a skill
0keys held, on any screen, on any device

You set the amount, the chain holds the line

drag it
amount to send
2.0STX

A button can fill this box. It can never send. Only your wallet signs.

at most 2.0 STX can leave your wallet at least 0.528285 USDCx comes back nothing else can move

Floor worked out from the limit on the first signed swap, 12 September 2026. Not a live quote.

The part nobody else ships

It says no, and tells you why.

A refusal lands at the same size as an answer, with its reason and what to ask instead.

zbg-yield-scoutsbtc-proof-of-reservesmart-yield-migratorusdcx-yield-optimizersbtc-capital-allocator
The refusal card, offering five skills to ask instead
On chain verified on chain, 14 September 2026

Three transactions you can look up.

First swap signed
0.535225
USDCx arrived
At most 2 STX could leave. At least 0.528285 USDCx had to come back.
12 September 2026 · block 8,972,308look it up
First two coin deposit
10 + 5
STX and USDCx, in deny mode
Into the HODLMM pool the owner picked, both amounts typed by hand.
13 September 2026 · block 8,981,807look it up
An earlier exit
April
a position taken out
withdraw-liquidity-same-multi, on chain before the console existed.
April 2026 · from the skills competitionlook it up
Pricing planned, not live

Free to ask. Paid to act.

Today SmartX charges nothing, and there is no fee in the product.

  • freeScans, questions, and anything a check refuses
  • fee, plannedOnly when you sign a transaction SmartX built, settled over x402
  • API, plannedAn agent API, so other agents call SmartX skills, metered over x402

When a check refuses an action, SmartX earns nothing from telling you so.

Where this goes no dates, so nothing reads as a promise with a deadline

Four stages. Now is fact, the rest is the plan.

  1. 01Nowfact

    It works on mainnet, in public.

    • The App v2 console at app.smartx.finance, with MB choosing from the library
    • First swap signed 12 September 2026, first two coin deposit 13 September
    • 11 of 56 skills available to you, all under review
    • Funded through the LAB Open Source Builders Fund
  2. 02Nextthe plan

    Prove every move, then harden it.

    • The first signed HODLMM withdraw, and drift read on the pool you hold
    • An independent security review of the signing path
    • Validate more of the library against funded positions
    • Replies word by word, and the whole flow walked on a phone
    • Every HODLMM pool, 8 of 17 known today, plus Granite USDCx and stSTX on Zest
  3. 03Scalethe plan

    A business that earns only when it helps.

    • Switch on pricing: free to ask, a fee only when you sign, over x402
    • An agent API so other agents call SmartX skills
    • Watching positions for you, and asking before anything is built
    • More skills through the Fund pipeline, every command checked first
  4. 04Growthe plan

    Bring the next million people to Bitcoin finance.

    • Onboarding across Africa with Let Africa Build, for small investors
    • Co launches with Stacks, AIBTC, Bitflow, Zest, Hermetica and Granite
    • Launch an Open Source Program via the LAB Open Source Builders Fund
    • Complete the $100,000 Artizen goal
Funded in the open

$31,707 of a $100,000 goal.

Backed by the Artizen community through the LAB Open Source Builders Fund of Let Africa Build.

Read The Machine That Says No on Artizen, or back SmartX there.

raisedgoal · $100,000
$31,707 raised so far, 32 percent of the way. The three parts below are Season 6, $31,697; the other $10 came in other Artizen seasons.
in prizes won along the way$20,020
in match funding from the community$7,107
in sales of its artifact$4,570
14skills built by SmartX
5merged upstream
MITlicensed, public

Ask it about your own wallet.

No wallet needed to look around. Every transaction is signed by you, in your own wallet.

Capital on Zest, wallet too small to move Try the demo