Comparing Mamo and Bankr in the Base App

AI agents are becoming the simplified interfaces we actually need to navigate DeFi — not just chatbots that explain yield farming, but agents that do it for you. 

The Base app's transformation into an "everything app" brought two standouts that showcase this perfectly: Moonwell’s Mamo and crowd-favorite Bankr, each taking its own approach to making your money work onchain.

One's a tireless yield farmer who never sleeps, the other’s a masterful handyman who turns DMs into tokens, NFTs, market orders, and beyond. Both come built into your Base app chat box, ready for use, yet they focus on different functions. Let’s break down their differences.

Mamo

Website | Twitter

Mamo, built by lending protocol Moonwell, stands out as an example of the power of specialization — mastering one task and one task only. For Mamo, that’s squeezing every last drop of yield from your USDC and Coinbase-wrapped Bitcoin (cbBTC).

The premise is simple: deposit USDC or cbBTC, and Mamo automatically shuffles your funds between Moonwell's Core Markets and Flagship Vaults (powered by Morpho Labs) to ensure the highest rates, paid through both borrower interest and protocol rewards (WELL, MORPHO) that are converted back to your base asset automatically.

As you earn yield, those rewards are compounded into your balance daily, increasing the base amount to maximize your savings potential. 

MAMO is designed to feel simple. That's not an accident — it's the result of smart systems working quietly behind the scenes:

• Dedicated smart contracts spin up for each account type (USDC/cbBTC), linked directly to your wallet — you maintain full custody
• Smart conversion kicks in when rewards reach ~$5, swapping them via CoW Swap
• Auto-compounding folds all accrued interest and rewards back into your balance — earning interest on top of interest
• Always accessible funds that withdraw instantly to your wallet, even if MAMO is offline
• Updates only come with permission — any upgrades require your explicit approval before changes take effect

One click during deposits, no complex strategies to configure, no positions to monitor. It's DeFi for people who want to make money while ignoring Crypto Twitter.

Security-wise, Mamo comes with the full package: Halborn and Certora audits, a $250K Code4rena bug bounty, self-custody throughout, and Chainlink oracles keeping everything honest. Plus, Base decided to offer it directly in their app — a pretty strong endorsement.

Bankr

Website | Twitter

If Mamo’s the responsible friend maxxing out their 401k, Bankr’s the one up at 3 AM setting limit orders on memecoins. Backed by Coinbase Ventures via the Base Ecosystem Fund, Bankr turns natural language into onchain actions across multiple chains.

Type "buy $100 ETH" or "sell 50% if MOG pumps 10%" into your Base app chat, and Bankr makes it happen. But that's just the beginning. This agent handles:

• Multichain trading and bridging (Base, Ethereum, Polygon, Solana)
• Advanced orders (limit orders, DCA strategies, token sniping)
• Leveraged trades via Avantis soon (up to 75x on crypto, forex, and commodities)
• NFT operations (mint, transfer, store)
• Token deployment (launch your own ERC-20 or SPL tokens)
• Automations (recurring buys like "buy $10 of $BNKR every Friday," price alerts, percentage-based limit orders; recent additions include foundational real-time responses, with upcoming ones like auto-copying whale trades, rule-based buys for 20%+ pumps, and dynamic automations that spawn new ones based on conditions)

Unlike Mamo’s quiet optimization, Bankr excels in dynamic action: providing technical analysis, social sentiment tracking, price alerts, and multichart monitoring vibes.

Access is free but limited — non-members get 1 automation, daily message caps (e.g., "this is your final message"), and token deployment restrictions (max per 24 hours). Unlimited access requires Bankr Club: $16.5/month or $198/year in $BNKR, coming also with lower trading fees.

The Tale of Two Strategies

As I’ve written about previously, DeFAI agents continue to sort into two camps: specialists honing in on one task (like yield optimization or identifying signals) and versatile terminals simplifying onchain navigation overall. Mamo and Bankr embody this split — Mamo is laser-focused on yield, while Bankr is a catch-all for onchain ease.

Mamo suits:

• Long-term holders seeking screen-free yield
• Risk-averse users favoring stable, collateral-backed returns
• Anyone idling USDC
• DeFi beginners

Bankr fits:

• Active traders immersed in charts
• Power users launching tokens or juggling positions
• Those looking for a single interface to use on the go

Thanks to Base app, you can easily use both: letting Mamo grow holdings passively, then deploying gains via Bankr. Mamo stocks the ammo; Bankr fires it.

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Together, these agents fit well into Base’s new app, helping provide newcomers easy navigation through the complexity of onchain life. 

While, for me, the Base app seems a little overwhelming, focusing on these two agents helps me chart an easy path for using crypto on the go, further exciting me about the potential at the intersection of AI and wallets that will continue to unfurl in the years ahead.