Core Capabilities

BM Finance Protocol has built its core services and security engine based on AI Agents, delivering a highly automated, intelligent financial infrastructure. Key capabilities include:

• Real-time monitoring of collateral asset value fluctuations

• Automated risk assessment and dynamic Loan-to-Value (LTV) adjustments

• Automated execution of KYA (Know Your Address), KYT (Know Your Transaction), and Anti-Money Laundering (AML) compliance processes

These capabilities significantly reduce compliance risks and operational costs while enabling real-time risk alerts and automatic liquidations.

The modular design allows these core capabilities to be flexibly combined and applied across various scenarios. For example, LP Tokens can be utilized across multiple DeFi protocols, further enhancing liquidity and capital efficiency. The protocol also supports AI Agent-based asset custody and collaborative decision-making. Users may delegate asset management to AI Agents for portfolio allocation advice, or even enable cross-agent collaboration via the ACP protocol with other AI Agents (e.g., BasisOS, Axr). Through this cooperation, AI Agents can autonomously capture arbitrage opportunities across crypto and fiat markets, optimizing returns for users.

Product Features

Collateralized Lending: Interest Rates as Low as 0% Users can collateralize on-chain crypto assets and receive fiat liquidity directly into their bank accounts, with interest rates as low as 0%.

On/Off-Ramp: Transaction Fees as Low as 0% BM Finance Protocol provides users with seamless, low-cost on/off-ramp services. Without the need for repeated KYC procedures, users can deposit and withdraw funds conveniently, with transaction fees as low as 0%.

Virtual Accounts: Flexible Asset Management Virtual accounts provide a unique routing and account number that accepts wire transfers and ACH deposits. These accounts can also integrate with brokers, credit card accounts, and payment channels, allowing funds to move freely across platforms.

Transfers & Payments: Unrestricted Fund Usage Users can freely transfer and remit funds globally using both fiat and crypto for payments, consumption, and investments.

On-Chain Asset Yield Generation BM Finance Protocol enables users to stake assets and generate on-chain yield. Within a secure and controlled framework, users can earn alpha returns that exceed market averages, further unlocking asset value and enhancing overall portfolio performance.