One, the background of T3AI launch

1.1 Current Issues in DeFi Finance

In the current decentralized ecosystem, there is a problem: in most cases, users cannot obtain low-collateral loans without KYC, which prevents them from capitalizing on investment opportunities beyond leveraged perpetual bonds.

From a trading perspective, because loans must be over-collateralized, this makes the utilization rate of loan funds extremely low. Lending is a $1.4 trillion business, with on-chain lending accounting for only 0.5% of it. In order to expand the ecosystem, allowing people to not only borrow, but also to create leveraged positions for anything in DeFi, users need a more accessible collateral structure.

1.2 T3AI solution

T3 (TrustInWeb3) solves this problem by introducing the concept of liquid collateral (also known as under-collateralized loans). Proprietary AI agents act as the primary brokers for user loans or trusted intermediaries between lending protocols. Users can fully control their capital through AI agent instructions, enabling investment, trading, pledging, or any other on-chain actions.

The AI agent uses proprietary risk engine algorithms to ensure that loans are always repayable and that the execution of user instructions does not cause the portfolio’s variance to exceed safe limits. Low collateralization in DeFi through smart and powerful proprietary agents not only improves capital returns through trading and staking, but also allows you to invest in tokenized assets such as real estate or art in a more realistic form.

Two, T3AI product core components

2.1 Risk Engine

AI proxy recharge portfolio continuous risk validator. This is achieved by fine-tuning and graph optimization through custom model, forming a powerful and accurate risk management proxy from fundamentals. The proxy method follows the core principles of modern portfolio theory, using a multifaceted approach to real-time identify, measure, and mitigate risks. By leveraging mathematical rigor and data-driven insights, it can achieve precise risk prediction and optimal allocation strategies, enabling financial institutions to maintain resilience in volatile markets.

The core functionality relies on traditional indicators (such as the standard deviation and covariance of assets) to measure portfolio variance, and it customizes connections to view granular data from major CEX and DEX. These indicators have been optimized through principal component analysis to uncover hidden patterns in the multi-asset dependency relationships, ensuring a comprehensive understanding of systematic risk. The model constructs and measures the portfolio’s position on the efficient frontier in real time to manage the security of loan repayments.

2.2 Low-collateralized Lending

The agent continuously monitors the health of loans through an advanced risk measurement framework, ensuring the stability and security of users’ financial investment portfolios. The collateral for loans can be managed flexibly: it can be fully retained in the user’s account wallet (UAW), or partially released in the lending agreement, with, for example, 20% collateral. The core purpose of the agent is to ensure that the investment portfolio in UAW always remains equal to or exceeds the net liquidation value of the loan amount, backed by a safety margin.

To ensure safe and efficient operations, the agent has established a unique User Account Wallet (UAW) for each user. This wallet is tightly integrated with the user’s account and operates under strict access control - interaction with the UAW is limited to the wallet address initially used to create it. Users fund this dedicated UAW, with the agent designated as its sole authorized operator, enabling seamless automation and supervision of financial activities.

Users can request withdrawals at any time and have full control over their assets. Withdrawals will be processed based on the risk exposure and health of the investment portfolio. If the portfolio risk is within an acceptable range, funds will be immediately transferred from UAW to the user’s associated wallet. If the withdrawal request exceeds the risk threshold, the agent can instruct the intelligent liquidation to first repay the outstanding loans and then transfer the remaining funds to the user’s wallet.

The main function of the proxy is to prevent the value of the user’s investment portfolio from falling below the outstanding loan balance. It dynamically adjusts collateral, monitors market conditions, and takes proactive measures to maintain the health of the loan, ensuring liquidity and security. Through careful design, the proxy not only safeguards the financial stability of users but also optimizes operational efficiency, providing reliable and user-centric risk management solutions.

3. T3AI’s technology roadmap

3.1 Phase 1: Concept Verification Implementation (Q1 2025)

During the proof of concept phase, the risk model will be extensively tested through system robustness testing procedures. The program will simulate thousands of market scenarios, including extreme market conditions and black swan events, to verify the reliability and accuracy of risk calculations. Multiple simulation methods will be used to stress test the system under various conditions to ensure that the risk model remains robust even in unprecedented market situations.

• UAW implementation

1. Developing unique insurance pool architecture for each user on Solana
2. Implementing AI Agent Management System for individual UAW
3. Establish UAW oversight infrastructure
4. Deployment of Risk Segmented Meta-Contracts
5. Security interaction protocol between AI agents and meta-contracts

• security layer implementation

1. Validate using an integrated zero-knowledge proof system
2. Establish and consolidate transaction verification network

• Risk Engine Development

1. Implementation of dynamic risk measurement calculation system
2. Integration of advanced investment portfolio theory components
3. Establish real-time risk adjustment mechanism

Phase 2: Enhanced Risk Engine and Expanded Artificial Intelligence Capabilities

A key advancement in this stage is the integration of principal component analysis to detect systemic risks within the cryptocurrency market. This enhanced functionality is able to identify and explain complex market interconnections that may not be immediately apparent through traditional analytical methods. Real-time portfolio optimization functionality will also be implemented, allowing the system to continuously adjust and rebalance portfolios for optimal risk-adjusted returns.

The AI agent will undergo significant functional expansion at this stage. Its decision-making ability will be enhanced through advanced portfolio optimization algorithms and sophisticated risk mitigation strategies. The agent will be able to provide more detailed advice for portfolio adjustments and implement more complex liquidation prevention mechanisms.

3.3 Phase 3: Loan Partner Integration

The third phase marks the transition from controlled testing to actual implementation, through strategic partnerships with lending protocols and/or through community staking to establish individual pools for t3. Firstly, establish a secure integration protocol with selected lending partners to ensure seamless and reliable communication between the risk management system and the lending platform.

3.4 Phase 4: Token Integration and Protocol Security

An advanced collateral management system will be implemented to integrate the T3AI token with the User Account Wallet (UAW) architecture. This system will enable efficient collateral issuance and management while maintaining strict security standards. The token repurchase plan will be automated through smart contracts to ensure transparent and reliable execution of the token’s economic model.

4. T3AI Token Economics

4.1 Token Distribution of T3AI

• 9.5% of the supply will be allocated to

1. Developer Bonus/Salary
2. Initiatives and activities to drive community-driven product expansion
3. Product Expansion
4. Infrastructure cost

• 90.5% of the supply will be freely circulating

4.2 T3AI Agent Income

T3 agents will generate revenue by charging a fee of 0.3% of the low collateral loan value, for example, if a user borrows $10,000, they will charge the user a one-time fee of $30 based on the daily interest cost of the lending agreement. The current DeFi ecosystem charges excessive fees for transactions, for example, Pump.fun charges a 1% fee, therefore, aiming to help reduce costs by charging 0% fees on user’s capital instructions outside the low collateral lending process.

4.3 Token Repurchase Plan

T3 agents will use all the revenue after deducting operating costs (estimated to account for 80% of the revenue) to continuously purchase utility token $T3AI. This is intended to reward token holders by exerting upward pressure on token price.

When users obtain low-collateral loans through the T3 proxy, 10% of the loan value will be delivered in the form of $T3AI, and the remaining 90% will be delivered in the form of SOL or USDC specified by the user. Users can instruct the T3 proxy to freely sell $T3AI in exchange for SOL, and this practice is expected to encourage $T3AI holders.

Basic Information of T3AI Token (2025-1-21)

• Basic information about T3AI tokens

1. Market Cap: 870.42 million USDT
2. Circulation: 990 million T3AI
3. Total Supply: 9.90 billion T3AI
4. Belonging to the public chain: SOL
5. Contract address: CckLtcfEtsYzg8sUrVBBrFKt16iExpvEurc1dhKmmoon

• Market performance of T3AI tokens

Currently, T3AI has landed in Gate.io’s Innovation Zone.Click Trade!

Conclusion

T3AI (TrustInWeb3) is a product that combines AI Agent with DeFi in a popular track. It uses artificial intelligence technology to solve the problems of excessive collateral and low capital utilization efficiency in traditional DeFi products. It is a relatively innovative attempt. Whether it can occupy a place in the trillion-level market depends on the engineering capabilities and user experience of the product.