Non-custodial wallet for AI agents · Built on Base

Your AI. Your keys. Your approval.

Your agent gets its own wallet with the policy you define: a daily, weekly or monthly allowance, and a risk assessment on every payment. Anything unusual waits for your approval. On-chain, self-custodied, final.

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// How It Works

This is how it works.

The AI proposes a payment inside its allowance. Qoi scores the risk. You review and sign. Responsibility stays with you, execution stays on-chain.

  1. Agent asks. Your AI hits a payment inside its task and requests it over MCP.
  2. QOI evaluates. Policy checks and a live risk score, decided in milliseconds.
  3. You approve. One tap on your phone when a payment needs you. The rest runs itself.

// System Status

Give the AI room. Keep the final say.

Custody
YOUR KEYS
Allowance
DAY · WEEK · MONTH
Risk
SCORED LIVE
Settlement
BASE
Final approval
YOU

// Specifications

Built for trust. Engineered for speed.

01

A Wallet of Its Own

Your agent gets a non-custodial wallet with the allowance you set: daily, weekly or monthly. Limits are enforced before any payment moves.

02

Risk-scored, Every Time

Beyond the allowance, every payment is analysed: counterparty, amount, spending pattern. It reaches you with a score, not a guess.

03

AI Proposes, You Decide

Your AI agent handles the busywork: bills, subscriptions, rebalancing. It runs on its own inside the allowance, and the final say stays yours.

04

Self-custody Always

Your private keys never leave your control. Qoi can propose and prepare, but only you can sign.

// Roadmap

Built block by block.

Q3 · 2026

Private Alpha

Invite-only alpha. Core on-chain accounts and the first AI insights, tested with real users.

I
Q4 · 2026

AI Autopilot

Opt-in automations: rebalancing, bill smoothing, risk alerts. Every action proposed by AI, approved by you.

II
Q1 · 2027

Public Launch

The Qoi app opens to everyone. Payments, savings and portfolio views, all settled on Base.

III
2028

Open Platform

APIs and developer tools so others can build on the same on-chain financial rails we use ourselves.

IV

// Team

The humans behind the protocol.

Crypto infrastructure veterans from Bitstamp, Bitpanda, Docker, Qredo and Zenrock.

YZ

Yuri Zidar

Product

Bitstamp · Qredo

SA

Stefan Andric

Engineering

Bitpanda · Qredo · Zenrock

ON

Ognyan Nikolov

Engineering

Docker · Qredo · Zenrock

RM

Robert Marinov

Engineering

Financial Times · Qredo

// FAQ

Fair questions.

Where do my funds live?
In a wallet only you control, with keys on your device. Qoi is the governance layer on top: allowances, risk scoring and approvals. We never hold, route or touch your money.
Which chain does Qoi settle on?
Base, an Ethereum layer 2. Fast and cheap to transact, and every payment is publicly auditable.
Can my agent overspend?
No. The daily, weekly or monthly allowance is enforced before a payment moves. Outside the allowance, nothing happens without your tap.
What if I miss an approval request?
The payment simply doesn't execute. Requests expire on their own and your agent gets a polite no. Nothing moves while you're away.
How does my AI connect to Qoi?
Over MCP: your agent calls Qoi like any other tool, with x402 for pay-per-use resources. Install the Qoi app for macOS (.dmg) to pair your agent, and approve payments from the app on your phone.
What about regulation?
Qoi Pond Ltd is a UK-registered company and we build with future compliance in mind: clear records of every approval, exportable history, and an architecture designed to meet crypto and AI regulation as it lands.
What does it cost?
Free during the alpha. Pricing comes later, and it will be published before it applies to anyone.

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