Kellycrypt

Day 4: Building Mandate In public: How do you give an AI agent the ability to spend money without giving it unrestricted control over your funds? That’s what we’re building with Mandate. The financial control plane for AI agents. It gives users a way to assign spending authority to their agents, define exactly what they’re allowed to do, and enforce those rules before money moves. The problem with simply connecting an agent to a wallet is that access and authority become too closely tied together. An agent might need funds to complete a task, but that doesn’t mean it should have unlimited permission to spend them, choose any recipient or operate outside the user’s intended budget. Mandate introduces a policy layer between an agent’s decisions and financial execution. Here’s how it works: You create an agent and give it a dedicated wallet. You then create a mandate that defines its financial authority. That includes: Total spending budget. Maximum amount per transaction. Approved recipients and categories. Approval thresholds for transactions that require human authorization. Mandate expiry and other spending conditions. When an agent needs to make a payment, Mandate evaluates the request against the rules the user has defined. It checks whether the transaction is permitted, whether sufficient budget is available, and whether additional approval is required. Approved spending goes through a controlled execution process, with budget reservations and safeguards designed to prevent duplicate or unauthorized execution. OutLayer handles the protected execution, while NEAR Testnet provides the transaction network where activity can be confirmed and verified. Users can also follow their agents’ financial activity, including transaction history and execution status. We’re not building another AI wallet or simply giving agents access to blockchain transactions. We’re separating the ability to propose a financial action from the authority to approve and execute it. An agent can decide that a payment is needed. But it doesn’t get to decide whether that payment is within the authority granted to it. That authority belongs to the user. The distinction matters because autonomous agents need more than wallets. They need enforceable boundaries, spending accountability and a clear relationship between what they are allowed to do and what they actually execute. That’s the principle behind Mandate: AI proposes. Mandate enforces. The user controls. OutLayer executes. We’ve deployed the Mandate Private Beta on NEAR Testnet for testing. Giving it access to limited number of users to start exploring the platform, connect your wallet, create agents, configure spending mandates and experience the controlled execution workflow. We’re starting with the financial control layer that autonomous agents need today. As Mandate evolves, we’ll expand its capabilities and integrations, but the foundation remains the same: Give agents the freedom to work, without giving up control of your money. Mandate is live on Testnet. A little video of what mandate does… More soon….👇

Most crypto wallets show you what happened. Mind helps you understand what it means. Introducing Mind. Your financial life, remembered. One of the biggest limitations of onchain financial tools is that they understand transactions, but very little about the person making them. Your wallet accumulates years of activity: assets you hold, protocols you interact with, patterns in your behaviour and the financial decisions you make over time. But most tools treat every interaction as a fresh start. They show balances, transaction histories, charts and analytics. Ask a question today, and you might get an answer based on your current wallet data. Come back tomorrow, and much of the context behind your previous conversations is gone. There is no continuity. No lasting understanding of your financial behaviour. No real sense of how your activity has evolved. That’s the problem we’re solving with Mind. Mind is a Sui-native financial intelligence companion designed to understand your onchain activity, remember meaningful financial context and make its analysis more personal over time. Here’s how it works: → Tatum provides the onchain data. Mind uses Tatum’s Sui RPC infrastructure to access real blockchain activity and understand what’s happening across your wallet. → Walrus Memory provides persistence. Instead of treating every session independently, Mind preserves meaningful insights and context so they can be retrieved and used in future interactions. → Mind AI brings everything together. It reasons over current wallet activity and relevant historical memories to deliver financial analysis that takes your behaviour and history into account. But what makes Mind different isn’t simply that it uses AI or stores memories. It’s the combination of onchain intelligence and persistent personal context. Mind is designed to understand more than what you hold. It aims to recognise how you use your assets, which protocols you interact with, the patterns in your activity and how your financial behaviour changes over time. That context matters. For example, two people can have similar wallet balances and completely different financial behaviours. A generic wallet analyzer might give them similar observations. Mind aims to provide analysis that reflects their individual history. And there’s another important part: Memory Replay. We wanted to demonstrate the actual value of persistent memory, not simply claim that Mind remembers. Memory Replay compares the analysis generated from the same wallet snapshot with and without retrieved user memories. It makes the difference between generic analysis and context-aware analysis visible. The goal is simple: A financial intelligence system that doesn’t forget everything it has learned about you every time you close the app. Tatum helps Mind understand what’s happening onchain. Walrus helps Mind remember what matters. Mind uses both to understand your financial journey with greater context. We’re building beyond transaction dashboards and one-off AI answers. We’re building financial intelligence that gets more meaningful as it remembers more of your journey. This is Mind. Your financial life, remembered.