You check your bank app. Then your Coinbase. Then your exchange. You open a chart tab, a news tab, a portfolio tracker. You're doing six jobs that should be one job. Meanwhile, the market doesn't wait.
The gap between fiat and crypto has always been more than technological — it's cognitive. Managing both requires fluency in two completely different systems, two different risk profiles, and two completely different clocks. Crypto never sleeps. Your bank certainly does.
Cleo was built to close that gap entirely.
Cleo is an autonomous AI agent that lives at the intersection of your traditional finances and your crypto portfolio. Cleo monitors, analyses, and acts. Connected to your bank accounts, wallets, and exchange positions, Cleo maintains a live, unified view of your total financial picture at all times.
Think of Cleo less like a dashboard and more like a financially intelligent co-pilot. You set the strategy. She watches the skies, reads the instruments, flags the turbulence and spots opportunity the moment it appears.
Cleo is deployed on Solana for a reason: sub-second finality, sub-cent transaction fees, and an ecosystem that's building the future of on-chain finance faster than anywhere else. When Cleo needs to move, she moves without friction and without delay.
Her core capabilities:
Unified Balance View — Connect bank accounts and wallets in one place. Cleo normalises fiat and crypto into a single live net-worth view.
Trade Signal Engine — Cleo scans on-chain data, order book depth, and macro signals 24/7, surfacing opportunities before they're obvious.
Risk-Aware Automation — Set your thresholds. Cleo rebalances, hedges, and alerts within the risk parameters you define — never beyond them.
Solana-Speed Execution — When action is needed, Cleo executes on Solana. 400ms block times mean she never misses a window.
Cleo integrates with open banking APIs to read your fiat balances, income flows, and spending patterns. Simultaneously, she connects to your Solana wallet, DEX positions, and any centralised exchange accounts you choose to link.
The AI layer processes all of this continuously not as separate data streams, but as a single holistic picture of your financial health. Cleo understands, for instance, that if a high-conviction trade signal emerges but your liquidity is low, it might make sense to flag a partial rebalance from a stablecoin position rather than asking you to top up from your bank.
Cleo's trade monitoring engine watches hundreds of market signals simultaneously: on-chain flow data, whale wallet movements, funding rates on perpetual markets, cross-chain liquidity shifts, and traditional macro events.
"What's my real net worth right now, and should I be doing anything?" Cleo answers that question, continuously, without you ever having to ask.
$CLEO is a tradable Solana SPL token with a fixed total supply of one billion tokens. It sits at the heart of the Cleo ecosystem. governing the protocol, rewarding active users, and granting access to premium agent capabilities.
Token distribution:
Allocation | % | Tokens | |
|---|---|---|---|
Community & Ecosystem | 30% | 300,000,000 | |
Protocol Treasury | 21% | 210,000,000 | |
Team & Advisors | 14% | 140,000,000 | |
Staking Rewards | 9% | 90,000,000 | |
Liquidity & Market Making | 8.5% | 85,000,000 | |
Public Sale | 10.5% | 105,000,000 | |
Seed & Private Rounds | 7% | 70,000,000 |
Vesting schedule:
Team & Advisors — 12-month cliff, 36-month linear vest, 0% at TGE
Seed Round — 6-month cliff, 24-month linear vest, 5% at TGE
Private Round — 3-month cliff, 18-month linear vest, 8% at TGE
Public Sale — No cliff, no vesting, 100% at TGE
Ecosystem Fund — No cliff, 48-month linear vest, 5% at TGE
Staking Rewards — Released per epoch
Liquidity — 50% at TGE, remainder protocol-governed
Token utility:
Access tiers — Hold $CLEO to unlock premium features: advanced signal feeds, automated execution, multi-account linking, and priority AI inference.
Governance — $CLEO holders vote on protocol parameters, new integrations, fee structures, and treasury deployment via on-chain governance.
Staking rewards — Stake $CLEO to earn a share of protocol fees generated by Cleo's execution layer and subscription revenue.
Fee discounts — Pay subscription fees in $CLEO and receive up to 40% off versus paying in USDC.
Signal marketplace — Third-party signal providers and AI model contributors are compensated in $CLEO from the ecosystem fund.
Roadmap
Phase 1 — Q3 2025: Foundation & Launch Cleo beta, open banking integrations for UK & EU, Solana wallet connectivity, $CLEO public sale and DEX listing on Raydium and Jupiter.
Phase 2 — Q4 2025: Intelligence Layer Full trade signal engine launch, on-chain governance activation, CEX integrations (Coinbase, Kraken, Binance), and the staking dashboard.
Phase 3 — Q1–Q2 2026: Autonomous Execution Cleo Pro: fully autonomous trading within user-defined risk rules. DeFi protocol integrations covering lending, yield, and liquidity management.
Phase 4 — H2 2026: Ecosystem & Marketplace Open signal marketplace, third-party agent plugins, Cleo API for developers, and expansion to US open banking.
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