defi-native v1.10.0

Make your AI defi native: a true expert on onchain finance.

Get deep breakdowns on defi dynamics, onchain trading, and capital markets that you can trust.

Works withClaudeOpenAIGrokCursor+ more 35 stars on GitHub
140+
sources
35
live data routes
136
glossary terms
14
graded evals
See all sourcesRoutinely updated
Lending
Morpho / Aave / Euler / Spark / Compound / Fluid / Silo / Gearbox / Kamino / Liquity V2 / Flex / Term Finance / Loopscale / JustLend
Curators
Steakhouse / Gauntlet / Clearstar / MEV Capital / KPK / Sentora / Armitage / Birch Hill / TAU Labs
Vault infra
Upshift / Veda / Lagoon / Aera / Enzyme / Yearn / Mellow / Concrete / IPOR
Real world assets
Midas / Ondo / Securitize / Franklin Templeton / Superstate / Centrifuge / Grove / Plume / Nest / Spiko / OpenEden / Circle USYC / OnRe / Reserve
Stablecoins
Sky / Circle / Ethena / Tether / Resolv / Elixir / Usual / Neutrl / Lido
Markets
Pendle / Hyperliquid / Uniswap / Curve / Aerodrome / Derive / Lighter / Maple / GMX / Bebop / Panoptic / Contango / Exponent / 3Jane
Chains
Base / Solana / Monad / MegaETH / Robinhood Chain / Flashbots / Titan Builder
Restaking
EigenLayer / ether.fi / Symbiotic / Babylon / Kelp
Bitcoin wrappers
cbBTC / WBTC / Lombard
Tokenized equities
xStocks (Backed) / Alpaca / Robinhood Chain
Oracles
Chainlink / Pyth / RedStone / Chronicle / SEDA
Data
DefiLlama / vaults.fyi / rwa.xyz / Merkl / Chaos Labs / LlamaRisk / Pharos / Turtle Club
Academic
Loss-Versus-Rebalancing (Milionis et al.) / Pump-and-dump research (Kamps & Kleinberg; Dhawan & Putnins) / SEC microcap fraud alerts
+ many more. New data sources are continually added. Also covered: the ERC-4626 and ERC-7540 vault standards (ethereum.org), staking, agent infrastructure, prime brokers and regulatory primaries.
01 The difference

Same question.
One more useful.

Without the skill
any agent

>this vault pays 7% on USDC. worth putting $10k in?

 7% is attractive compared to traditional savings rates. The vault uses established DeFi protocols. Yields can fluctuate, and smart contract risk always exists. Consider your risk tolerance and do your own research.

With defi-native
defi-native active

>this vault pays 7% on USDC. worth putting $10k in?

✓Names all the layers between you and the yield

✓Looks at what is actually backing it, wrapped bitcoin or a synthetic dollar

✓Names the oracle and how liquidations fire

✓Understands risk tranches and who eats the first loss

→ Swipe to compare

02 What you can do with it

Be confident your ChatGPT or Claude actually understands defi.

Ask any question on defi, crypto, onchain markets, and finance. The skill loads itself after it's installed.

Understand defi risks and opportunities

Ask “is this 7% real” and get the layers, the backing, and who eats first loss.

For researchers, investors, and defi users

If you already have money onchain, this is the look-through generic AI will not do.

TradFi mapped to onchain

Covered calls, repo, first loss. In language that does not assume you already know.

Build visuals, tables, and diagrams with one prompt

One prompt, a table or diagram, so you can see the structure instead of a wall of text.

Built with 6,000+ pages of industry conferences, books, and documentsBuilt with 6,000+ pages of industry conferences, books, and documentsBuilt with 6,000+ pages of industry conferences, books, and documentsBuilt with 6,000+ pages of industry conferences, books, and documents
03 How it works

Install once. Use ChatGPT and Claude as you do.

1

It stays out of the way

The skill wakes up when your question is actually about onchain yield, tokens, rates or market structure.

2

It routes to what it needs

Assessing a vault pulls a different file than explaining a covered call. Its deep reference material loads per task, never all at once.

3

It never guesses

Before any number goes in an answer it pulls a fresh one and dates it. It pulls from 30+ APIs.

→ Swipe for the next step

View all data sources
Lending
Morpho / Aave / Euler / Spark / Compound / Fluid / Silo / Gearbox / Kamino / Liquity V2 / Flex / Term Finance / Loopscale / JustLend
Curators
Steakhouse / Gauntlet / Clearstar / MEV Capital / KPK / Sentora / Armitage / Birch Hill / TAU Labs
Vault infra
Upshift / Veda / Lagoon / Aera / Enzyme / Yearn / Mellow / Concrete / IPOR
Real world assets
Midas / Ondo / Securitize / Franklin Templeton / Superstate / Centrifuge / Grove / Plume / Nest / Spiko / OpenEden / Circle USYC / OnRe / Reserve
Stablecoins
Sky / Circle / Ethena / Tether / Resolv / Elixir / Usual / Neutrl / Lido
Markets
Pendle / Hyperliquid / Uniswap / Curve / Aerodrome / Derive / Lighter / Maple / GMX / Bebop / Panoptic / Contango / Exponent / 3Jane
Chains
Base / Solana / Monad / MegaETH / Robinhood Chain / Flashbots / Titan Builder
Restaking
EigenLayer / ether.fi / Symbiotic / Babylon / Kelp
Bitcoin wrappers
cbBTC / WBTC / Lombard
Tokenized equities
xStocks (Backed) / Alpaca / Robinhood Chain
Oracles
Chainlink / Pyth / RedStone / Chronicle / SEDA
Data
DefiLlama / vaults.fyi / rwa.xyz / Merkl / Chaos Labs / LlamaRisk / Pharos / Turtle Club
Academic
Loss-Versus-Rebalancing (Milionis et al.) / Pump-and-dump research (Kamps & Kleinberg; Dhawan & Putnins) / SEC microcap fraud alerts
+ many more. New data sources are continually added. Also covered: the ERC-4626 and ERC-7540 vault standards (ethereum.org), staking, agent infrastructure, prime brokers and regulatory primaries.
04 What people say

From people using it.

shubhnkar@babayega

“used this with codex this weekend and restructured my entire portfolio… this is genuinely useful for DeFi. kudos @emilylai”

0xMaster@0xMasterCrypto1

“Very bullish on what @emilylai is building.”

ernest@ernestkou

“such an easy install, love it!”

Dara@dara_khan

“really enjoying @defi_native_ai that’s my big dog”

Casey Craig@caseycraig

“V useful public good! Em’s for the people”

Igor Yuzovitskiy@igoryuzo

“Give @emilylai $100 of LLM credits because she’s cooking”

→ Swipe for more

05 Install

Install in 30 seconds.

terminal

$npx skills add emlai/defi-native-skill

?Which agent? detected automatically

?Install where? defaults are fine

✓defi-native v1.10.0 installed

$start a new session

1

Open a terminal, not a chat window

Mac: Cmd+Space, type Terminal, hit Enter. Windows: open PowerShell from the Start menu.

2

Paste the command

It finds your agent and asks where to put things. Take the defaults. If you see command not found: npx, install the LTS build of Node.js and run it again.

3

Start a new session and ask something

Try “what is actually backing sUSDe?” The skill loads on its own.

Open Claude, Codex, or Grok and paste this in:

paste into your agent

>Install the skill from github.com/emlai/defi-native-skill by running: npx skills add emlai/defi-native-skill

Works withClaudeOpenAIGrokCursor+ more

ChatGPT and Codex are different products, and only one of them can install a skill. Codex reads a skills folder on your machine, so the one-command install works there. The ChatGPT chat window has no filesystem, so nothing can be installed into it. You port the skill instead, as a Custom GPT.

1

Download the skill

Grab the repo as a zip from GitHub and unzip it, or clone it if you are comfortable with that.

2

Create a Custom GPT

In ChatGPT, open the sidebar, then GPTs, then Create. Give it the name defi-native.

3

Paste the instructions

Copy chatgpt/INSTRUCTIONS.md from the repo into the Instructions box. It is a condensed version of the skill's brain, trimmed to fit the character limit ChatGPT puts on that field.

4

Upload the reference files as Knowledge

Under Knowledge, upload SKILL.md, everything in references/, plus manifest.json and api-routes.json. That is 19 files against ChatGPT's limit of 20. Running python3 scripts/pack_chatgpt.py collects them into one folder for you.

5

Turn on Web Search

Under Capabilities. Without it the skill cannot pull live numbers, and dating every number is half of what it does.

A Project works too if you would rather not build a GPT: create one, put the same text in the project instructions and upload the same files. Either way you get the mental models and the discipline. What you do not get is the automatic loading, so say use defi-native when you want it.

Clone it and link it in. This is also the install that can keep itself updated.

manual install

$git clone https://github.com/emlai/defi-native-skill.git ~/code/defi-native-skill

$ln -s ~/code/defi-native-skill ~/.agents/skills/defi-native

~/.agents/skills/ is the shared folder most hosts read. Claude Code also reads ~/.claude/skills/, so link it into both if you use several agents.

Optional API keys unlock deeper data but are never required. Plug in your own keys if you would like even more robust answers.

Detects your agent Keyless by default Read only, always
06 Questions

Questions

What is defi-native?

defi-native is a folder of plain text files you drop into an AI agent to make it expert at one thing: everything onchain finance. It includes specific instructions, reference material, and worked examples. It's free to install and works with any AI.

Who is defi-native for?

defi-native is for:

1. Anyone who trades onchain and uses defi protocols
2. Anyone who wants to learn traditional and onchain finance concepts

Does it only work with Claude or ChatGPT?

No. Any agent that reads the Agent Skills format: Claude Code, Cursor, Codex, Grok Bot and others.

How to install

Do I need API keys?

No. Everything core runs keyless. Keys buy you deeper data, and the skill will name the one key that would improve the answer in front of you. You can install in 30 seconds.

Can it move my money?

No. defi-native was built to help the team understand financial concepts and the latest in defi. It cannot trade for you, does not have access to your wallet, and can never sign, submit or approve a transaction.

It can be used to help with investment decisions, understanding where the yield comes from, and sizing opportunities.

How much does it cost?

defi-native is completely free and always will be.

Is there a token?

The Bankr community launched a token based off this AI skill announcement on X. Fees are used to fund the project. Some fees have also been airdropped to holders. The defi-native team owns zero tokens.

Ticker $defi-native Chain Base Contract 0xad46308a6f6999bacc099f3029b77c352e772ba3

Buy on Bankr Buy on Uniswap

Fees fund the project. Check the contract address before you buy anything. Tickers can be copied; an address cannot.

Is this financial advice?

No. It produces research, and says so every time. Ask for a pick and you will get one, but only with the full view attached: what has to be true, what breaks it, the total loss case, and the runner up. DeFi has total loss tails and the skill never pretends otherwise.

Make your AI agent defi native today.

Free, MIT licensed, and it works in the agent you already use.

install

$npx skills add emlai/defi-native-skill

07 Changelog

Latest updates

The skill is updated based on output quality, feedback, and advances in defi. Check to see if you're running the latest version of defi-native.

1.10.0
2026-09-06

It now understands token launches. Give it a Bankr, Doppler, Clanker, Pons, or pump.fun token and it names the venue, the factory, and the storefront, tells you which liquidity positions were placed and who owns them, reads the hook to see whether anyone else can add liquidity, and turns market cap back into the quote reserve that can actually pay a seller. Every dated number stays a dated number, and the exact fill still comes from the venue preview, never from the skill.

1.9.0
2026-09-05

It can now read a wallet. Give it an address and it tells you what the wallet holds, how much of that sits in DeFi and what it owes against it, and whether the wallet is up or down, with every number dated. Holdings and profit and loss come from Zerion's API with your own free key, then each vault, loan, or pool position goes through the same look-through as any product. Read-only as always: a dollar-cost-averaging request ends at a preview that needs your approval, never at a trade.

1.8.1
2026-09-04

Hardened for agent catalogs. The skill never loads newer files from the internet at runtime; what you reviewed is what runs, and updates only arrive through your install channel. Everything it fetches is treated as data, never as instructions. Paid API calls need your explicit yes before any money is spent, keys stay out of chats and logs, and connecting any data server requires your approval first.

1.8.0
2026-09-02

It can now tell you whether a tokenized fund's yield is real. Putting money into a tokenized treasury or credit fund is not like buying a token on an exchange. Someone decides the price you come in at, and when they decide it can work for you or against you. This covers the four ways that settlement actually happens, how to tell whether an advertised yield was measured or simply announced, and what the issuer takes before any of it reaches you. Contributed by @mishablank.

1.7.0
2026-08-31

It can now read market structure. How to tell a real short squeeze from a crowded trade. How to spot wash trading and other manipulation from traces left onchain. Why a tokenized stock has three different prices at the same time, and which one actually matters. What people mean when they call a token liquid, and how to check. Also added: how attention turns into an asset, a new kind of lending market where your interest rate is really a bid for your place in the exit queue, and how to read raw blockchain logs when the dashboards do not go back far enough.

1.6.4
2026-08-30

Went through every data source by hand. Twelve new ones, thirty-one in total. Fixed the logins, the endpoints that had quietly moved, and one source that was promising more than it could actually answer.

1.6.3
2026-08-30

Taught it where to look things up. Each kind of question now maps to the right data source, with the common mistakes attached, plus a note on what your own API key would unlock if you have one.

1.6.2
2026-08-30

No hand-waving in comparisons. Every option it puts in front of you has to show its own numbers, not just the one it recommends. A test enforces it.

1.6.0
2026-08-30

Options, trades, and how to judge a manager. Three new references: why providing liquidity is really selling an option and what that costs you, how discounted locked-token deals work with three real 2026 examples, and eleven professional curators' published frameworks boiled down to one checklist you can score any manager against.

1.5.3
2026-08-28

Four different AI models tried to break it. Everything they found got fixed, including a clearinghouse process described in the wrong order and a price that was off by a factor of ten.

1.5.2
2026-08-28

Caught in real use. One lookup was only returning half of Morpho's vaults, so the skill was silently missing entire sets of positions without saying so.

1.5.1
2026-08-28

First public release. Tested by running the same questions with and without the skill and comparing, reviewed by independent AI models, and every source checked by hand.

↓ Scroll inside the box for older releases. Full history in CHANGELOG.md.