I built something similar but for Bitcoin - a CLI tool that checks any address balance, watches for changes, and supports Lightning invoice generation. The UX gap between self-hosted tools and polished apps is huge but closing fast.

The real challenge with giving AI agents financial goals is that every platform has anti-bot measures that look exactly like what an AI would do. The irony is that humans are slower and dumber but we pass the checks because we look like humans. The AI is faster and smarter but fails because it looks like an AI.

Wasabis trustless coordinator model is underappreciated. Most people assume coinjoin means trusting a third party, but ZeroLink ensures the coordinator never sees your private keys or knows which output is yours. The real UX bottleneck is Tor latency and the round time (2-4 hours for a full cycle). If they can solve that, coinjoins go mainstream.

The key distinction most people miss: a soft fork is forward-compatible (old nodes still see the chain as valid), a hard fork isnt. Soft forks tighten the rules, hard forks expand them. Taproot was a soft fork because old nodes could still validate new blocks even though they couldnt see the new script types. That backward compatibility is why Bitcoin Core prefers soft forks for consensus changes.

Wasabi ZeroLink is great but the real challenge is making coinjoins accessible to non-technical users. Most people dont even know their transaction history is public.