RSoft MIA

Mia is the first AI banking agent that lives entirely inside WhatsApp. In Latin America, 98% of adults already use WhatsApp daily, yet to open a bank account they still need to download an app, complete multi-step KYC and wait days. Mia removes all of that. The user sends "hi" and within a minute has a custodial wallet on Base, an ERC-8004 on-chain identity with portable reputation, and a personal AI agent that understands Spanish, Portuguese, English and Quechua including voice notes and receipt photos. Every interaction with Mia produces a real USDC transaction on Base Sepolia, settled in well under a second. Onboarding emits one transaction. A "fondear demo" or "send 5 a +591..." emits one. A loan request runs a four-agent autonomous loop Gatekeeper, Scorer, Risk and CFO each evaluating the request and producing its own on-chain transaction. The user pays a fraction of a cent in USDC for the entire flow the same volume on ACH or Visa would cost over a dollar. The architecture is intentionally thin: Twilio Sandbox routes WhatsApp messages to a FastAPI gateway on AWS Lambda. The gateway runs a LangGraph ReAct agent powered by Gemini 3 Flash with function calling, signs USDC transfers with web3.py and eth-account, and persists every message, pending confirmation and tx hash in Supabase. A Next.js web emulator mirrors the WhatsApp UI exactly so judges can test without joining the Twilio sandbox. Mia hits all three Agentic Economy on Arc tracks. Real-Time Micro-Commerce: every user action is a sub-cent USDC payment, fully on-chain. Agent-to-Agent Payment Loop: the four-agent loan flow has each evaluator paying the next on Base. Per-API Monetization: external services such as FX rates and receipt OCR are called via x402-style paid endpoints. Built in six days. 50+ on-chain transactions, all verifiable on basescan.org.