Product Keynote: SendAI - Generative Financial Instruments

Imagine telling an AI exactly what financial outcome you want—hedging meme coin exposure, capturing trading volume from trending tokens, or automating prediction market strategies—and having it instantly create and deploy a custom financial instrument tailored to your specifications. That's the future SendAI is building on Solana, and it's coming sooner than you think.

Summary

At Breakpoint 2025, Yash Agarwal from SendAI introduced a groundbreaking concept: Generative Financial Instruments powered by AI on Solana. The presentation outlined how large language models (LLMs) combined with Solana's open and permissionless infrastructure can democratize access to sophisticated financial strategies that were previously only available through traditional investment banking.

SendAI built the Solana Agent Kit last December, which has become the number one crypto toolkit by usage numbers, providing unique insights into how AI and blockchain can converge to create an entirely new category of financial products. The team observed that just as investment bankers structure complex products for wealthy clients—like combining zero-coupon bonds with call options—AI can now perform similar functions for anyone with a crypto wallet.

The company announced Susie, their upcoming platform launching in Q1 of next year on both web and mobile. Susie will allow users to generate custom financial instruments on the fly, verify each step the AI agent takes, deploy strategies with one click, and even share successful strategies with others who can clone them instantly.

Key Points

The Evolution from Traditional Finance to AI-Generated Instruments

Traditional investment banking has long operated on a model where clients express desired outcomes—such as gaining exposure to an asset while capping downside risk—and teams of equity researchers and investment bankers craft bespoke structured products to meet those needs. A classic example involves allocating 80% of capital to zero-coupon bonds for principal protection while using the remaining 20% for call options to capture upside potential.

SendAI's vision translates this exact paradigm to the crypto space through AI. By leveraging LLMs, the platform can understand complex financial intents expressed in natural language and structure appropriate payoffs using existing DeFi protocols on Solana. This represents a fundamental shift in who can access sophisticated financial engineering—moving it from the domain of wealthy institutional clients to anyone with a smartphone and a crypto wallet.

How the Technology Works

The technical architecture behind generative financial instruments relies on two critical components working in harmony. First, LLMs enable hyper-personalization by understanding and structuring payoffs based on user intent—essentially acting as a personal investment banker. Second, Solana's internal capital markets provide the execution layer, where all programs are open and permissionless by nature.

When a user expresses their desired financial outcome, the LLM writes and sequences the transactions needed to execute the strategy across battle-tested smart contracts and protocols already deployed on Solana. The transactions are then executed through the user's own wallet with appropriate safeguards. This approach maintains the transparency and verifiability of blockchain while adding the intelligence layer that makes complex strategies accessible.

Real-World Use Cases Demonstrated

Agarwal showcased several practical applications during the presentation. One example involved gaining exposure to trading volume from the top five trending meme coins on Solana. The strategy automatically scans for trending tokens every six hours and deploys capital into liquidity pools on decentralized exchanges to capture trading fees. Users can verify each step, deploy with one click, and even share the strategy via link for others to clone.

Another compelling use case focused on prediction markets. A popular strategy involves identifying high-confidence markets (those with 92%+ odds) and placing bets on likely outcomes. The AI agent can automatically fetch these markets and execute the strategy, providing users with an "omnipresent experience like Uber" where they maintain complete control and visibility into what the agent is doing, when, and where.

The Broader Market Context

The timing for generative financial instruments couldn't be better, according to SendAI. Two major tailwinds are driving adoption: LLMs have reached sufficient capability to enable hyper-personalization at scale, and a generational wealth transfer is bringing new investors who expect personalized, active investing experiences rather than passive products.

Meme coins, according to Agarwal, were "just a glimpse" of the appetite for active, personalized financial products among crypto-native users. The success of the Solana Agent Kit—becoming the number one toolkit across all of crypto, not just Solana—demonstrates strong market validation for AI-powered transaction capabilities that form the foundation of this new paradigm.

Facts + Figures

• The Solana Agent Kit, built in December of last year, became the number one toolkit in all of crypto by usage numbers

• SendAI's new product "Susie" will launch in Q1 2026 on both web and mobile platforms

• The platform enables one-click deployment of AI-generated financial instruments

• Users can share strategies via link, allowing others to clone them instantly

• The system provides full transparency, allowing users to verify all steps taken by the AI agent

• Example strategy demonstrated: scanning top five trending meme coins every six hours to deploy LP positions

• Prediction market strategy shown: automatically identifying and entering markets with 92%+ odds

• Traditional structured products typically allocate 80% to principal protection (zero-coupon bonds) and 20% to upside capture (call options)

• AI agents execute transactions through users' own wallets, maintaining custody

• All strategies leverage existing battle-tested smart contracts and protocols on Solana

Top quotes

• "Our main thesis was how can we take all existing data from the company, and we built a Solana protocol and make it a few lines of codes for AI agents to transact on Solana."

• "We became the number one toolkit not just in Solana but in all of crypto by numbers."

• "LLMs enable hyper-personalization just like anyone can help, in a way to help understand and structure payoffs."

• "Meme coins were just a glimpse of that."

• "The agent will create your financial instruments on the fly which you can verify and deploy in just one click."

• "It provides you just like an omnipresent experience like Uber where you are in complete control and you can see what agent is doing when and where."

Questions Answered

What are Generative Financial Instruments?

Generative Financial Instruments are customized financial products created on-demand by AI based on a user's specific investment goals and risk preferences. Unlike traditional financial products that come pre-packaged, these instruments are generated in real-time using large language models that understand user intent and structure appropriate payoffs using existing DeFi protocols on Solana. This approach democratizes access to sophisticated financial strategies that were previously only available to wealthy clients of investment banks.

How does the Solana Agent Kit work?

The Solana Agent Kit is a toolkit developed by SendAI that simplifies the process of enabling AI agents to transact on Solana. It condenses complex protocol interactions into just a few lines of code, making it possible for AI systems to execute transactions across various DeFi protocols. The kit has become the most widely used toolkit in crypto, providing the foundation for AI agents to write, sequence, and execute transactions through battle-tested smart contracts while maintaining user custody through their own wallets.

Why is now the right time for AI-powered financial instruments?

Two major tailwinds make this timing ideal: the maturation of LLMs to a point where they can effectively understand and structure complex financial payoffs, and a generational wealth transfer bringing new investors who expect personalized, active investment experiences. The success of meme coins demonstrated strong appetite for active, personalized financial products among crypto users. Additionally, Solana's open and permissionless infrastructure provides the perfect execution layer for AI-generated strategies.

Can I share my AI-generated strategies with others?

Yes, the platform allows users to share their created financial instruments with others through a simple link. Anyone who receives the link can clone the strategy and deploy it with one click in their own wallet. This social feature transforms successful strategies into shareable products, potentially creating a new marketplace for investment ideas while maintaining the transparency and verifiability that blockchain provides.

How does the platform ensure user control and transparency?

The platform provides what SendAI describes as an "omnipresent experience like Uber," where users maintain complete control and visibility over agent actions. Users can verify all steps the AI agent takes before deployment, monitor the execution in real-time, and maintain custody of their assets throughout since all transactions execute through their own wallets. This transparency layer addresses concerns about AI autonomy while enabling the convenience of automated financial engineering.