AI digital financial tool Minara will launch on November 27.

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AI Intervention in Digital Finance: A New Paradigm from Tool Stacking to Intent Execution

In the past decade, the infrastructure of the cryptocurrency industry has developed from scratch to relative stability, with the range of on-chain assets continuously expanding: Bitcoin, Ethereum, stablecoins, DeFi protocols, NFTs, RWA… Meanwhile, traditional finance is also moving in the same direction—offering longer trading hours, more options for asset digitization, and richer data and trading interfaces.

But for most digital finance users, the actual operation paths remain fragmented: they need to track sentiment on social platforms, seek opinions in communities, query indicators on data websites and on-chain tools, manage positions and execute trades in brokerage apps, wallets, or DeFi protocols. Information search, logical judgment, and action execution are scattered across different entry points. A novice user may spend hours to complete a simple cross-asset or cross-chain operation, while professional traders have to monitor the market for long periods to avoid missing opportunities. The deeper issue is: there is a huge gap between information acquisition, decision-making, and trade execution. Users obtain information but do not know how to translate it into action; users want to execute strategies but need to jump multiple times and perform complex operations. This inefficiency not only wastes users' time but, more importantly, also invisibly bars a large number of potential participants from the digital finance and crypto ecosystem.

In other words, although “digital finance” seems to be forming a complete ecosystem, the participation threshold has not decreased with the maturity of technology. On the contrary, it has become more complex. In this context, a new solution is emerging. The core innovation of this solution is that it no longer requires users to understand the underlying details or remember each tool, but rather allows them to complete the entire process from analysis to execution simply by expressing their intentions in natural language. When users no longer need to understand specific details, switch between multiple tools, and can complete operations merely by expressing their intentions, digital finance truly has the potential to reach the general public.

AI assistants are becoming the new entry point: from “data inquiry” to “decision making”

Between 2023 and 2025, the “conversational interface” brought by large models gradually changed the software interaction model - but in financial scenarios, a fundamental limitation always exists: AI can explain information, but cannot undertake the complete chain from analysis to execution. A recent trend is that some teams are starting to try to make AI not just “provide information”, but to participate in the entire financial chain. Minara is a more typical example and has sparked some discussion in the industry. From an external perspective, the characteristics of Minara are not about “doing more”, but rather about “reorganizing the way digital finance operates”: • Users ask questions • AI calls multiple data sources and financial frameworks for analysis • Provide judgment or strategy • Execute on-chain actions directly when needed (such as trading, monitoring, alerts, analysis, etc.)

This is referred to in industry terminology as “Intent Execution”(Intent Execution), and it is one of the most discussed future directions in the cryptocurrency and modular systems over the past two years. Users no longer need to understand the details of smart contracts, switch between multiple applications, or learn complex trading interfaces. They only need to express their intentions in natural language, such as “Help me analyze the on-chain behavior of this address,” “I want to establish an arbitrage strategy,” “What coin should I buy now”—AI can understand the intent, call tools, execute operations, and present the results in an understandable way.

The significance of this transformation is that Minara has integrated the functions of an entire investment team into a single chat window, providing users with comprehensive support in professional insights, strategies, and execution. Users gain insights from data analysts, execution capabilities from traders, advice from risk managers, and guidance from investment advisors.

Minara: Conversational Financial Agent for Digital Finance

The core difference between Minara and mainstream financial AI tools today is that it is not just a “general large model” or an ordinary “agent ( tool,” but a digital financial native agent capable of completing the entire process of “Inquiry → Analysis → Decision → Execution” in on-chain asset scenarios. Minara has reorganized the fragmented operations commonly found in digital finance with a “conversational interface.” Whether dealing with traditional assets or crypto assets, users previously had to switch back and forth between market websites, data platforms, blockchain explorers, social media, and wallet applications to complete a full analysis and operation; however, in Minara, data understanding, strategy derivation, risk alerts, and execution are integrated into the same chat window; currently, the execution layer capabilities are primarily focused on on-chain assets.

At the current stage, Minara's full closed-loop capability from problem to execution is the most mature in the crypto field, while traditional assets are currently mainly focused on data and analysis. It integrates over 50 data sources, including Arkham, CoinMarketCap, and DeFiLlama, along with the team's private database and professional financial strategy capabilities, allowing users to handle various digital asset-related inquiries through natural language dialogue and receive professional-level financial knowledge analysis and advice. Additionally, Minara provides a real-time market dynamics and key crypto events page automatically aggregated by AI, enabling users to grasp the overall trend before delving into detailed questions.

At the same time, Minara's trading capabilities are directly integrated with on-chain infrastructure, allowing users to complete many transaction-related operations (such as rebalancing, executing arbitrage, limit orders, etc.) without needing to switch to third-party applications. In addition, Minara also supports generating automated tasks directly from natural language, enabling users to build sustainable trading processes with a single sentence, which is still relatively rare in current Agents.

Minara is also expanding its higher-level trading assistance capabilities. For example, the brand new Trading Copilot will provide AI-assisted market judgment, strategy structuring, and risk control recommendations in complex scenarios such as perpetual contracts, making decision-making clearer and more controllable under high volatility. Minara will also continuously validate Copilot's performance in the real market through publicly available live tracking tests, providing users with a more robust reference standard.

In terms of interaction style and experience, Minara is akin to an “expert with a comprehensive financial background”: when explaining information, it breaks down reasoning logic, provides basis and evidence when assessing risks, and presents the thought process in a clear and structured manner, allowing users to gain professional and trustworthy references during the conversation. In the future, Minara will continue to enhance related experiences, such as adding a cryptocurrency trading strategy panel, automated workflow alerts, voice interaction capabilities, and more, making the overall usage process more efficient and natural.

In addition, Minara's underlying capabilities are deeply integrated with DMind. DMind is an open-source team that has been researching digital financial AGI for a long time, primarily focusing on fine-tuning agent large model development in the crypto space, covering various branches such as crypto, DeFi, and RWA. On one hand, Minara builds products based on DMind's model and tool system, while on the other hand, it continuously feeds back real user tasks and data to DMind's model iterations, forming a vertical AI closed loop aimed at crypto finance. This also makes Minara a frontline practice of “agent-based operations” in real user scenarios.

In a market environment characterized by high information density and significant asset volatility, whether it is cryptocurrency or traditional stocks, how to shorten and automate the process of 'gathering information → making judgments → executing actions' has become a common exploration direction for the entire industry. In the field of on-chain assets, Minara represents a new path: it utilizes a conversational interface to integrate the entire process, allowing decision-making and execution to truly merge into one. In the future, it will expand to other digital financial areas.

“Agentic Finance” may become the key term for the next stage.

As the density of various market information continues to rise and asset price fluctuations intensify, more and more repetitive, condition-triggered tasks are becoming suitable for automation by Agents. Minara currently has the capability to generate sustainable financial Agents. It has allowed users to generate sustainable Agents, such as: • Monitor on-chain anomalies • Automatic Rebalancing • Risk Warning • Execute arbitrage or grid strategies • Manage NFT or governance positions

It is widely believed in the industry that this type of “digital financial agent” will be one of the fastest-growing sectors in the coming years. The reason is simple: • AI can continuously observe and trigger 24/7, which is something humans cannot achieve. • AI is less affected by emotions when executing established rules, making it easier to maintain consistency. • Complex processes involving multiple steps and tools can be compressed into continuously running automated logic.

This means: • The improvement in efficiency and trading win rate is exponential. • The operational threshold for new users in digital finance has been greatly lowered. • The strategy execution capability of professional users has also been enhanced. • Financial activities have become more automated and dynamic.

From Go to finance, humans cannot outplay AI in any game; however, due to technical factors such as computational power, it is not currently AI replacing investors, but rather AI enhancing investors. Users are responsible for goals and intentions, while Agents are responsible for execution and monitoring. This is precisely the new paradigm of Agentic Finance represented by Minara.

From tools to assistants, digital finance enters the “era of intention”

When analysis can be done in one sentence, when strategies can be generated in one sentence, when execution can be triggered in one sentence, and when information across assets, chains, and markets is unified and understood, digital finance will begin to present another form: more inclusive, more automated, and more like natural language itself. In this new era, both the cryptocurrency market and the stock market will no longer be a game for the few, but are becoming a truly open and inclusive financial ecosystem. This transformation is being achieved by many teams through making complex technologies simple and making professional capabilities universal. Minara is neither the endpoint nor the only participant. But it represents a direction - digital finance is moving from the “tool era” to the “intent era.” And this could be one of the most important turning points in the next decade.

Minara officially launched on November 27, and current registrations can receive free Credits and additional Sparks (points). Official website link.