Autonomous Agent Strategy

Liquid Finance integrates AI agents across the lending lifecycle to deliver consistent, data-driven decision-making while minimizing manual intervention. These agents function at the protocol level, ensuring seamless operations for multiple lending pools by automating underwriting, compliance, interest recalibrations, and investor engagement. By codifying critical processes into smart contracts and AI-driven models, Liquid achieves a scalable, transparent, and efficient lending infrastructure without sacrificing rigor or reliability.

Due Diligence and Rate Calculation Agent

This agent is responsible for evaluating and approving loan applications. It analyzes a range of inputs, including borrower creditworthiness, property valuations, market conditions, and live BTC price fluctuations. Using predefined risk models, the agent determines optimal loan terms—such as interest rates, loan-to-value (LTV) thresholds, and collateral requirements—ensuring that pool-specific parameters remain within acceptable limits. By operating in near real time, this agent enhances underwriting speed and precision, reducing delays and subjective biases common in traditional systems.

Pool Administration and Compliance Agent

The Pool Administration and Compliance Agent ensures stakeholders have access to clear, actionable insights about their investments. While critical functions like fund flows, KYC/AML checks, and escrow management are handled by smart contracts, this agent focuses on aggregating and communicating these operations to investors, borrowers, and regulators.

Stakeholders receive regular updates on loan performance, collateral balances, and pool liquidity, all derived from on-chain data. Additionally, the agent monitors regulatory developments and ensures compliance processes remain current with evolving legal standards. By bridging the protocol’s automated infrastructure with its human participants, this agent reinforces trust and accountability throughout the ecosystem.

Capital Raising and Investor Relations Agent

This agent manages investor communication and engagement, ensuring clarity and transparency at every stage of the investment process. It delivers real-time updates on pool performance, including yield metrics, collateralization levels, and market trends, through tailored content and automated outreach.

By leveraging AI-driven strategies such as targeted social media campaigns and personalized email updates, the agent attracts new capital to the protocol. Onboarding processes are streamlined with integrated KYC/AML checks, reducing friction for new depositors and expanding Liquid’s investor base. The agent’s ultimate goal is to grow the protocol’s liquidity while maintaining strong relationships with stakeholders through consistent and reliable communication.

Strategic Importance of AI Agents

Each AI agent works within Liquid’s unified protocol, directly interfacing with the on-chain architecture that governs lending pools, token management, and compliance. This seamless integration ensures that critical tasks—such as risk assessment, compliance verification, and interest recalibrations—occur without unnecessary delays or manual errors.

When market conditions change, such as fluctuations in BTC’s price or updates to property valuations, the agents automatically reevaluate loan risks and make the necessary adjustments. Borrowers are alerted of opportunities to refinance at lower rates, while investors benefit from real-time insights into pool performance.

By combining historical data with real-time analytics, Liquid’s AI agents continuously refine risk models and optimize operations. This adaptability allows the protocol to scale efficiently, supporting new lending pools, properties, and jurisdictions without increasing administrative complexity. More than just task automation, these agents form the backbone of a self-evolving system that enhances efficiency, ensures reliability, and drives informed decision-making across Liquid’s decentralized lending ecosystem.