When AI merges with Web3, Bluwhale is building a smart wealth profile for everyone based on Sui.
Media Introduction
In the traditional financial world, we rely on "Sesame Credit Score" to measure credit and reputation;
In the era of the integration of Web3 and AI, Bluwhale hopes to reshape this logic with a new "Smart Wealth Score."
By integrating AI, blockchain, and multi-ecosystem data, it creates a composable, portable, and self-owned intelligence layer, allowing every user to truly understand and control their wealth potential.
1. From "Sesame Credit" to "Smart Wealth Scoring"
In China, almost everyone is familiar with the "Sesame Credit Score" in Alipay.
It represents a person's credit status and affects scenarios such as renting, loans, travel, and consumption. However, this scoring system still belongs to traditional financial logic:
It records debts and performance but ignores users' assets and creativity in the digital world.
Meanwhile, while the DeFi world can read on-chain assets, it is completely disconnected from real finance, unable to identify cash flow, income sources, or even the most basic risk preferences.
In other words, whether in Web2 or Web3, we still do not have an intelligent system that can truly depict "personal wealth health."
Bluwhale was born for this purpose.
It aims to become the financial intelligence layer that connects the real world and the decentralized world,
allowing everyone to see a real-time, three-dimensional, dynamic "Smart Wealth Score" just like checking their Sesame Score.
2. Bluwhale: The Intelligent Financial Layer of Web3
Bluwhale is an intelligent execution layer focused on the integration of AI and Web3.
By combining artificial intelligence, blockchain, and user behavior data, it integrates scattered financial information into a computable and analyzable "Unified Intelligent Map."
The core goal of Bluwhale is to make financial intelligence portable, composable, and self-owned—
allowing users' financial behaviors and asset data to become true digital assets that are no longer fragmented by closed financial systems.
Currently, Bluwhale supports 37 blockchains and covers over 3.6 million users, providing them with integrated management of on-chain and off-chain assets.
Through the AI-driven Agentic Layer, the system can predict and output personalized insights, strategies, and risk analyses in real-time.
This is not just a data dashboard; it is the underlying architecture of the next generation of the Open Financial Intelligence Economy.
3. Whale Score: Redefining Financial Health
Whale Score is one of Bluwhale's core innovations.
It shifts from traditional "credit scoring" to "intelligent scoring," comprehensively measuring a person's asset structure, earning capacity, spending habits, and liquidity on a scale of 0–1000.
It can be understood as a "wealth health tracker":
When income streams change, wallet bindings update, or DeFi exposure adjusts, the Whale Score refreshes in real-time.
Unlike traditional credit systems that only focus on repayment risk, Bluwhale's scoring system pays more attention to wealth potential and opportunity capture.
For the first time, users can visualize their financial health status like managing their physical health and receive targeted optimization suggestions provided by AI.
4. Agentic Layer: Your AI Wealth Coach
Bluwhale's intelligent layer consists of the AI-driven "Agentic Layer."
Each user has a dedicated agent that learns, reasons, and makes decisions based on wallet behavior, spending patterns, and asset allocation.
When the system detects concentrated risks, idle funds, or unbalanced earnings, the Agent proactively provides reallocation suggestions;
When the holding structure changes, AI will suggest feasible staking or liquidity opportunities.
This personalized intelligent collaboration not only allows users to manage digital assets more efficiently but also enables financial intelligence to transition from passive recording to active empowerment.
5. Building an AI Financial Foundation on Sui
Bluwhale's underlying layer has chosen Sui Network—a high-performance public chain centered on objects.
This is a decision with strong engineering logic.
Sui's parallel execution model and object-centric architecture can handle a large number of transactions and computation requests simultaneously, avoiding global locking, maintaining low latency, and high throughput.
This is crucial for Bluwhale to achieve real-time financial computation and AI intelligent agent interaction.
As the first AI token project in the Sui ecosystem, Bluwhale fully utilizes its composable features to implement a modular AI economic system on Sui.
Agents, nodes, and models can be independently upgraded while maintaining collaborative operation within a unified framework.
This design gives Bluwhale's financial intelligence layer high scalability, security, and composability, laying the foundation for the future AI-native economy.
6. Team and Technical Heritage
Bluwhale was co-founded by two technical experts with a strong background in AI and systems engineering:
Han Jin (CEO), graduated from the University of California, Berkeley, with a degree in Industrial Engineering and Operations Research, previously founded Lucid VR, which combines machine learning and immersive media, and was selected for Forbes 30 Under 30 and the Golden Globee AI Entrepreneurship Award;
Adam Rowell (CTO), PhD in Electrical Engineering from Stanford University, specializing in neural network quantization and mobile AI, built Bluwhale's decentralized computing and data privacy architecture.
The two bring a dual perspective of AI engineering and system optimization, providing Bluwhale with a technology foundation that combines enterprise-level stability with user-friendliness.
7. Ecosystem and Partnership Network
Bluwhale's ecosystem is rapidly expanding, with its intelligent map covering over 800 million wallet addresses.
In addition to individual users, an increasing number of financial platforms, exchanges, and dApps are integrating Bluwhale's intelligent financial capabilities into their systems.
Its strategic partners include:
Sui Foundation: providing core support for decentralized computing power and interoperability;
Arbitrum, Tezos, Cardano, Movement Labs: promoting cross-chain Whale Score visualization;
SBI Holdings, UOB, Decima (Animoca, Gumi, MZ Crypto): bringing AI-driven intelligent insights into institutional-level financial services.
All collaborations revolve around a common goal—creating value for users through financial data.
8. BLUAI: The Fuel of the Intelligent Economy
Bluwhale's ecosystem is powered by the BLUAI token, which serves as the operational fuel for the entire system.
Whether for AI queries, agent execution, node rewards, or governance voting, all are completed through BLUAI.
Token mechanism summary:
Total supply of 10 billion, permanently capped;
Initial circulation of 12.28%;
Monthly release of 1.2–1.6%, linked to network growth;
Distribution structure:
25% node incentives
21% foundation and treasury
10% market and community
8.8% operational expansion
7% team and advisors
23% financing and strategic rounds
5% liquidity and market making
With each AI interaction, BLUAI will be used as "Gas" consumption, creating endogenous deflationary pressure and building a closed-loop intelligent economy driven by usage.
9. Intelligent Finance Beyond Credit Systems
Traditional credit models like FICO or on-chain protocols such as Spectral and Cred Protocol mainly measure default probabilities.
Bluwhale's focus is on intelligent potential and wealth growth.
It is not merely a "credit model," but an explainable "financial cognitive model,"
helping users understand their wealth behaviors, investment capabilities, and future potential.
In Bluwhale's view, the next step for financial intelligence is not risk constraint but opportunity activation.
10. Conclusion: The AI-Driven Financial Future
The core of finance has always been information, but the future competition in finance will be a competition of intelligence.
Bluwhale is enabling every wallet, every transaction, and every habit to become a signal for intelligent insights through AI agents and open data ownership.
On Sui's high-performance architecture, Bluwhale is reshaping a more efficient, adaptive, and human-centered financial intelligence system for global users.
In this system, wealth footprints are complete, dynamic, interpretable, and truly belong to the users themselves.
As AI becomes a new productive force, Bluwhale hopes to become its trust layer and settlement layer.
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