Building Haia, a unified AI finance OS for fiat and crypto

Innowise helped build Haia, a modular AI finance OS that connects banks, crypto wallets, and investments, enabling secure, cross-chain operations without exposing private keys.

25%

more efficient LP via Superform integration

crypto app interfaces already replaced with one

Industry FinTech

Employees 11-50

Region Global

Services Blockchain development Smart contract development

Client since 2024

Client overview

Summarize article with AI

After a successful collaboration on building the Haust Network, the client entrusted us with developing their new flagship product, Haia. Built on top of the existing network, Haia takes the next step toward enabling an agentic web experience. It serves as an intelligent financial operating system that unifies banking, crypto, and DeFi in a secure, multilingual, cross-platform hub.

Working with Innowise was exactly what we needed to bring our agentic web platform for crypto and blockchain to life fast. Even though I initially doubted a large outsourcing company could match our pace, their team proved the opposite by delivering a working PoC in just 9 days. They combined strong blockchain and AI expertise with excellent integration capabilities, stayed flexible as the product evolved, and built a mobile app in record time. Innowise also contributed real product thinking, industry insight, and valuable connections, making them a reliable long-term partner.

Sergei Gorovenko Founder, HAIA

Challenge

Building an AI-powered finance OS that unifies banking, crypto, and DeFi into one secure, user-controlled hub meant overcoming both complex market dynamics and deep technical hurdles.

Fragmented financial ecosystem: Users today navigate multiple apps, accounts, and dashboards across traditional banks, crypto wallets, and DeFi platforms. This fragmentation leads to poor visibility, double-handling of transactions, and a constant risk of errors.
Rising demand for AI-driven autonomy without trust tradeoffs: Users want personalized, intelligent financial experiences, but not at the cost of control. The challenge: how to offer real-time, AI-driven recommendations, automation, and smart contract execution without storing funds, keys, or sensitive financial data.
High cost of cross-border transfers & poor UX in DeFi: International money movement is still expensive, slow, and opaque for the average user. While DeFi promises cheaper and faster alternatives, the user experience is fragmented, overly technical, and often lacks real security assurances or fallback layers.

Cross-chain orchestration with user-centric security: Building secure, real-time cross-chain operations (e.g. swap on Ethereum, deposit on Aave via Polygon, bridge to Base) without ever accessing private keys required deep protocol-level integration. The team had to develop abstract account logic and MCP connectors to orchestrate DeFi workflows across multiple mainnets, while preserving full user custody at all times.
Modular agent architecture at scale: Instead of hardcoding functionality, Haia introduced a model context protocol (MCP) to handle plug-and-play AI agents. This brought enormous flexibility but also posed risks: permission scoping, execution predictability, and ensuring modular agents didn’t compromise the system’s integrity or security model.
Seamless banking + crypto integration via PSD2, SEPA, IBAN, and Wallet APIs: Integrating traditional banking APIs (via Salt Edge, Bridge, etc.) with crypto protocols (AAVE, 1inch, Superform, DeBank) meant resolving format mismatches, latency issues, and asynchronous transaction risks. The platform had to normalize vastly different data models into a unified, user-friendly interface, while remaining responsive and stable.
Unified wallet and protocol complexity: Managing multiple wallets and choosing DeFi protocols added extra complexity. With no single API to aggregate wallet data, the platform had to create its own system for tracking balances, positions, and actions across multiple accounts. At the same time, building support for diverse protocols meant handling different mechanics, risks, and yield models. Account abstraction was applied to simplify how users interact with these assets, reducing friction while preserving control.

Getting Haia live wasn’t simple. The team had to solve real technical challenges, from making AI outputs deterministic and verifiable to building context-aware prompts that adapt to each user’s wallet and assets. We nailed human-in-the-loop safety, so every action is editable and transparent before it goes on-chain. What is really impressive is how natural the experience feels. You can say what you want — ‘swap 500 USDC to ETH on Base’ — and Haia handles the rest, reliably and securely. Behind the scenes, it’s a high-performance system with low latency, smart routing, and hardened infrastructure. For us, it’s a complete shift in how people interact with crypto.

Alex Kalinovski Head of Blockchain R&D Department & Senior Solution  Architect, CTO Haia

Solution we delivered

We wanted Haia to be a truly intelligent finance OS, so we designed it to function as both a product and a platform. It integrates with banks (via PSD2 and open banking APIs), all crypto wallets, and DeFi protocols, and offers users real-time visibility and tactical recommendations across all assets. Haia doesn’t store funds or keys. Every action is executed via connected apps or wallets, preserving full user custody.

Here’s what enables Haia’s core capabilities:

Unified interface layer

Haia’s frontend is a multi-platform conversational interface that converts complex financial operations into single-prompt interactions. Built on Capacitor, it works seamlessly across mobile and browser environments, including an in-wallet browser for DApps.

The interface supports the following functionality:

Voice-first UX with multi-language NLP models.
Unified dashboard for banks, crypto, DeFi, NFTs.
Smart search across transactions, assets, and accounts.
Consistent data rendering from structured sources (open banking, market APIs) and unstructured inputs (email, user commands).

Abstract account control without custody

The abstract account logic allows Haia agents to execute logic-driven financial tasks without touching user keys or assets.

Haia can:

Run limit-based DeFi strategies (e.g., deposit/borrow/loop if token reaches price threshold).
Place simple limit orders for buy/sell across supported protocols.
Bridge and swap cross-chain with MPC-based routing (via 1inch).
Rebalance idle funds based on risk profile and yield.
Provide on- and off-ramp options for fiat and crypto.
Issue crypto cards for real-world spending.
Offer personalized updates, including airdrops, investment alerts, and news.
Perform live portfolio checks across multiple chains and wallets.

This is done through scoped, temporary permissions granted by the user, which are revocable at any time. No hot wallets. No shared custody. Just automation with clear boundaries.

Deep integrations across finance layers

To unify fiat and crypto into a single, intelligent interface, Haia supports deep integrations across the financial stack. Each integration was selected and implemented with performance, security, and user experience in mind.

Banking & open finance

Salt edge: Connects to EU/UK banks via PSD2, enabling secure access to balances and transactions.
Bridge: Supports SEPA and IBAN transfers, powering fiat payouts and account linking.
Email parsing: Extracts financial insights from inboxes to enrich financial visibility.

Wallets & self-custody tools

Thanks to WalletConnect integration, Haia supports nearly all non-custodial wallets compatible with EVM blockchains, which gives users flexible, secure access without being locked into a specific provider.

DeFi protocols & aggregators

1inch: Smart DEX and bridge routing for best swap rates and cross-chain transfers, supporting both market and limit orders (Fusion+).
Superform: DeFi yield platform integration for one-click access to diversified yield strategies. Haia agents can recommend or auto-execute deposits here.
Aave: Lending and borrowing strategies executed based on agent triggers.
CrossCurve: Enables USDT/USDC/etc. transfers across Ethereum, Polygon, Base, and BNB Chain with fallback routing logic.

Market data & intelligence

CryptoRank: Token rankings, on-chain metrics, and performance indicators that feed Haia’s market intelligence agents and help power DeFi digests.
CoinMarketCap: Used for price feeds, market cap rankings, and visual chart overlays within the portfolio dashboard.
DeBank: Additional DeFi portfolio tracking and position visibility, allowing agents to extract deeper insights from user wallet activity.

MCP protocol: the backbone of modularity

The model context protocol powers Haia’s flexibility. It’s the layer that transforms Haia into a modular, agent-driven platform where every feature is a plug-in module with scoped context and isolated permissions.

Core capabilities:

Register, permission, and execute agents (budget optimizers, portfolio rebalancers, KYC validators, tax analyzers).
Integrate external solutions (AML checks, strategy builders) without altering Haia’s core.
Enable white-label partners to deploy their own agents inside Haia instances.

MCP decouples velocity from risk. New features go live without core rewrites.

Privacy-first, custody-free architecture

Haia was designed from the ground up with non-custodial infrastructure and on-device confirmation principles:

No storage of private keys, seed phrases, or funds.
All actions require confirmation via the connected bank app or crypto wallet.
Each transaction or action is signed by the user, not Haia.
Unified KYC identity tokens support single onboarding across services without storing identity documents centrally.
Agent-level audit logs provide transparency and traceability across operations.

Seamless cross-chain execution

Users don’t need to understand bridges, gas fees, or DEX routing. Haia handles:

Real-time token balance aggregation across EVM chains.
Cross-chain swaps (e.g., ETH on Ethereum → USDT on Polygon) via integrated bridges and 1inch routing.
Fallback logic if liquidity is insufficient on the preferred path.
Native support for limit/market orders with slippage control.

Enterprise-ready & white-label modular

Haia was designed for enterprise rollouts and fintech partnerships:

Modular UI components and custom branding support.
Containerized deployments with isolated data environments.
Partner-specific agent registries.
API and SDK access for bank or wallet integrations.

Banks, wallets, and fintechs can launch their own version of Haia with governance, agents, and integrations tailored to their region or use case.

Haia simplifies the fragmented experience of interacting with Web3 tools and platforms. It's a non-custodial, modular system that connects to your existing wallet and acts as a live operating layer across all your Web3 activity. Everything happens in one conversational interface where the agent generates actions transparently, and users stay in full control. And because it’s modular, it can plug into almost any blockchain, wallet, or protocol. There’s huge potential here — not just for users, but for infrastructure teams looking for better ways to onboard, guide, and activate their ecosystems.

Andrew Nalichaev Blockchain expert & DeFi analyst, CEO Haia, CTO Haust Network

Technologies & tools

Frontend
Backend
AI
Databases
DevOps & infrastructure

Frontend

Frameworks & languages

React

UI design systems

Tailored to custom branding; integrated with mobile-friendly components

Backend

Language & frameworks

Python, FastAPI

Architecture

Microservices, Message Broker integration (Kafka)

Authentication & authorization

Custom account logic (Firebase), smart contract interaction (non-custodial), JWT

API communication

RESTful APIs, Internal API layer

AI

Language & frameworks

Python, Langchain, Langgraph

Services

Langsmith, GroqCloud, Perplexity

Databases

Postgre(PGVector), Pinecone

Databases

Redis,

PostgreSQL,

Pinecone

DevOps & infrastructure

CI/CD

GitHub Actions

IaC

Terraform

Monitoring

Grafana, Loki, Alloy, Prometheus, Alertmanager, Cloudwatch, Custom services on Python

Cloud

AWS (EKS, RDS, VPC, EC2, S3, WAF, ALB, Route 53, Certificate manager, Secrets manager, ASG, etc), Scaleway (k8s kapsule, lb)

GitOps

ArgoCD

Orchestration

K8s, Helm, Docker

Process automation

Bash scripts, Python scripts

Healthchecks

n8n

Message brokers

Strimzi kafka

DNS Hosting

Cloudflare, Route 53

OS

Linux (Ubuntu, Amazon linux)

Traffic control, DDoS Protection

WAF, Ingress rules

Database

PotgreSQL, Redis, pgvector

Access control

OIDC Provider, IAM

Disaster recovery

ASG, Custom scripts and services, RDS Backups,and snapcshots

Frontend

Frameworks & languages

React

UI design systems

Tailored to custom branding; integrated with mobile-friendly components

Backend

Language & frameworks

Python, FastAPI

Architecture

Microservices, Message Broker integration (Kafka)

Authentication & authorization

Custom account logic (Firebase), smart contract interaction (non-custodial), JWT

API communication

RESTful APIs, Internal API layer

AI

Language & frameworks

Python, Langchain, Langgraph

Services

Langsmith, GroqCloud, Perplexity

Databases

Postgre(PGVector), Pinecone

Databases

Redis

PostgreSQL

Pinecone

DevOps & infrastructure

CI/CD

GitHub Actions

IaC

Terraform

Monitoring

Grafana, Loki, Alloy, Prometheus, Alertmanager, Cloudwatch, Custom services on Python

Orchestration

K8s, Helm, Docker

GitOps

ArgoCD

Cloud

AWS (EKS, RDS, VPC, EC2, S3, WAF, ALB, Route 53, Certificate manager, Secrets manager, ASG, etc), Scaleway (k8s kapsule, lb)

Process automation

Bash scripts, Python scripts

Healthchecks

n8n

Message brokers

Strimzi kafka

DNS Hosting

Cloudflare, Route 53

OS

Linux (Ubuntu, Amazon linux)

Traffic control, DDoS Protection

WAF, Ingress rules

Database

PotgreSQL, Redis, pgvector

Access control

OIDC Provider, IAM

Disaster recovery

ASG, Custom scripts and services, RDS Backups,and snapcshots

Team

Solution architect

Project Manager

Backend Developers

AI Engineer

Frontend Developer

QA Engineer

UX/UI Designer

Blockchain domain expert

Business Analyst

Results

Project duration

May 2025 - Ongoing

Haia provides a single interface for managing banking, crypto, and DeFi activity.

What users can do with Haia right now:

Talk to their finances via chat or voice in multiple languages.
View and manage all wallets, bank accounts, tokens, NFTs, and DeFi positions in one place.
Send money cross-chain with one command.
Automate DeFi investment strategies without giving up custody.
Receive real-time AI recommendations and alerts.
Complete KYC once, then access all connected services instantly.

Haia is live. It’s not a roadmap. It’s already managing real assets, real users, and real transactions.

Your AI finance edge starts here

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Finally, we’ll sign a contract and start working on your project right away.

Building Haia, a unified AI finance OS for fiat and crypto

Client overview

Challenge

Solution we delivered

Unified interface layer

Abstract account control without custody

Deep integrations across finance layers

Banking & open finance

Wallets & self-custody tools

DeFi protocols & aggregators

Market data & intelligence

MCP protocol: the backbone of modularity

Privacy-first, custody-free architecture

Seamless cross-chain execution

Enterprise-ready & white-label modular

Technologies & tools

Frontend

Frameworks & languages

UI design systems

Backend

Language & frameworks

Architecture

Authentication & authorization

API communication

AI

Language & frameworks

Services

Databases

Databases

DevOps & infrastructure

CI/CD

IaC

Monitoring

Cloud

GitOps

Orchestration

Process automation

Healthchecks

Message brokers

DNS Hosting

OS

Traffic control, DDoS Protection

Database

Access control

Disaster recovery

Frontend

Frameworks & languages

UI design systems

Backend

Language & frameworks

Architecture

Authentication & authorization

API communication

AI

Language & frameworks

Services

Databases

Databases

DevOps & infrastructure

CI/CD

IaC

Monitoring

Orchestration

GitOps

Cloud

Process automation

Healthchecks

Message brokers

DNS Hosting

OS

Traffic control, DDoS Protection

Database

Access control

Disaster recovery

Team

Results

Table of contents

Your AI finance edge starts here

Related cases

Contact us

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