Colb has launched Colbee, a digital financial AI agent available through WhatsApp that lets users interact with supported decentralized finance and tokenized financial products through conversational instructions. The agent prepares transactions for user review and signing rather than exercising discretionary investment management, positioning conversational AI as an interface for increasingly complex onchain financial infrastructure.
Colb is bringing a conversational interface to decentralized finance with the launch of Colbee, a digital financial AI agent now available through WhatsApp.
The platform is designed to let users interact with supported DeFi and tokenized financial products without directly navigating decentralized exchanges, blockchain networks, wallets and other underlying infrastructure.
Rather than functioning as an autonomous investment manager, Colbee operates on user instructions. Transactions are prepared for the user’s review and signature, with the investor retaining control over whether a transaction is ultimately executed.
That distinction is becoming increasingly important as financial technology companies experiment with agentic finance. AI agents can simplify complex workflows, but giving software authority to make or execute financial decisions introduces questions around custody, authorization, suitability and transaction control.
Colb’s approach is to put conversational AI at the interface layer while keeping transaction authorization with the investor.
Colbee initially supported Colb’s qualified-investor ecosystem and, according to the company, has processed more than $40 million in crypto and tokenized-asset transactions based on client instructions and signatures.
The company is now extending access through WhatsApp, one of the world’s most widely used messaging platforms. The move reflects a broader fintech trend toward embedding financial services into familiar digital interfaces rather than requiring customers to learn specialized applications.
Behind the WhatsApp interface is a transaction engine that connects users with supported onchain products and routes. Colb said Colbee currently supports 10,163 distinct onchain actions across Ethereum, BNB Chain and Polygon.
The catalog includes 63 product actions covering tokenized pre-IPO subscriptions, Colb strategies, USC minting and bridging, vaults and staking. It also includes 3,368 swap routes and 6,732 bridge routes across the three supported networks, according to Colb.
The company says the catalog can expand as new integrations are added.
The platform has already been used to connect products from other participants in the onchain financial ecosystem. Colb said Concrete used Colbee to allocate USD1 from its USD1 RWA Vault to Colb Staked European Private Credit.
Colbee has also added Concrete products to its catalog, including the Concrete DeFi USDT vault and Concrete WBTC vault.
On BNB Chain, Colbee can access supported products using infrastructure from PancakeSwap and PancakeSwap X for liquidity, execution and staking where applicable.
The underlying architecture is arguably more significant than the messaging interface itself. Colb is attempting to abstract the complexity of onchain finance into a sequence in which a user expresses intent, the system determines an appropriate transaction route and the investor authorizes the final action.
That model resembles the direction of agentic payments and embedded finance, where users increasingly interact with financial systems through software rather than navigating individual financial applications.
However, financial transactions require stronger safeguards than ordinary conversational interactions. Colb says Colbee does not hold users’ private keys or funds. Each transaction is generated as an unsigned request and checked against the investor’s balance, approvals and applicable product limits before being simulated onchain.
The investor then reviews and signs the transaction through their own wallet on Colb’s signing page.
Unsigned transaction requests expire after a short period, while transfers can only be sent to addresses entered by the investor, according to the company. Colb also says responses pass through deterministic safeguards intended to prevent fabricated transaction confirmations and unverified links.
Access is tied to a verified wallet, while regulated products are restricted to compliance-approved wallets.
These controls point to one of the central challenges facing AI-powered financial services: convenience cannot come at the expense of authorization and auditability.
A conversational agent can make a complicated financial product easier to access, but the system still needs to distinguish between explaining an option, preparing a transaction and actually executing it.
Colbee currently keeps those stages separate. The AI agent can prepare the transaction, but the user remains responsible for signing it.
The approach also reflects the changing architecture of tokenized finance. Tokenization can make traditionally complex assets available through digital infrastructure, but the resulting products can still require users to understand wallets, blockchain networks, bridges, liquidity pools and smart-contract transactions.
AI agents could provide an abstraction layer over that complexity.
The competitive landscape is developing quickly. Financial institutions, fintech companies and blockchain platforms are experimenting with AI-powered interfaces, programmable payments and agentic commerce. Companies such as Visa, Google, Microsoft and Coinbase are also investing in infrastructure that connects AI systems with financial transactions and digital assets.
Colb’s focus is narrower: use conversational AI to connect investor intent with supported onchain products while retaining user-controlled authorization.
Whether that model can scale beyond qualified investors will depend on product eligibility, regulatory requirements, wallet security, transaction reliability and user trust.
For now, Colbee represents another step toward conversational financial infrastructure, where the user interface becomes less about navigating financial technology and more about expressing what the user wants to accomplish.
Market Landscape
The convergence of AI agents, tokenization and DeFi infrastructure is creating a new category of financial interfaces. Instead of interacting directly with exchanges, wallets and blockchain protocols, users can increasingly rely on software to translate intent into executable transaction instructions.
The key challenge is balancing convenience with authorization, custody, compliance and transparency. Colbee’s non-discretionary design addresses part of that challenge by keeping final transaction approval with the investor.
For GlobalFinTechEdge, the launch is relevant to Digital Payments Platforms, Blockchain Financial Technology, Embedded Finance Infrastructure and Digital Assets, particularly as AI becomes an interface for financial transactions.
Top Insights
- Colbee uses conversational AI to connect users with supported DeFi and tokenized financial products through WhatsApp.
- Transactions are prepared by the agent but require investor review and wallet-based signing before execution.
- Colb says Colbee supports 10,163 onchain actions across Ethereum, BNB Chain and Polygon.
- The platform combines swaps, bridges, tokenized products, vaults, staking and other supported onchain financial actions.
- Security controls are designed to keep investor keys and funds outside the AI agent while preserving user authorization.
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