From the Internet to Assets, the Trilogy of Cryptocurrency Wallet Evolution I used to think that there wasn't much to do with encrypted wallets anymore, as they had all the necessary features. However, with OKX Wallet's multi chain development, Trust Wallet's fat wallet strategy, and Phantom's incorporation of DeFi staking, it seems that everyone is not idle. Looking at the history of wallet development, I am pleased to find that there are still many pioneers and explorers who are constantly expanding their boundaries. Let's sneak in! ⬇️ What's in the wallet? With a blockchain network, accounts, and assets, the evolution history of wallets becomes very clear. Around the network, accounts, and assets, wallets are gradually approaching the most user-friendly and authentic user needs. So, I will briefly divide encrypted wallets into: Network centric: Metamask, etc Account centric: Phantom, OKX Wallet, etc Asset centric: REDACTED, etc Please note that this is not a rough generational division, but rather a product idea that brings different product information architectures, although there are indeed obvious traces of evolution. Network Centric MetaMask represents. This type of wallet uses blockchain networks as its core architecture, and users first need to choose networks such as Ethereum and BSC when creating a wallet, with all functions revolving around specific networks. Although this design simplifies single chain operations, when users need to manage multi chain assets, they have to repeatedly switch networks, configure gas fees separately for each chain, and remember account addresses on different chains This is almost the standard architecture template for the first generation of wallets, after all, the infrastructure at that time was too poor, and the concept of blockchain was paramount, with all information architectures revolving around different blockchains. At the same time, mainstream transactions in that era were also centered around public chains. EVM opened up the era of thousand chain competition with virtual machines and smart contracts, and wallets are a microcosm of this era. Centered around the account With the improvement of blockchain data indexing infrastructure, there is an urgent need for more user-friendly data management methods after the information explosion on the chain. The design concept centered on public chain networks is gradually transitioning to an account centric design era. Taking Phantom as an example, this type of product takes the account system as the design core, and users manage all assets through a main account. They can even use the more user-friendly Web2 social login, which is very convenient. Although this approach solves the address memory problem, it also brings new challenges. All user operations must be transferred through the main account, making it difficult to achieve cross chain atomic operations. At the same time, the overly broad interaction permissions of smart contracts also pose significant security risks. Centered around assets The first two architectures both originated from the single chain thinking of early blockchain and have become exhausted in today's multi chain interconnected Web3 environment. What users really need is tools that can 'follow the flow of assets', rather than being hijacked by networks or accounts. We may need to return to a more fundamental thinking: what is the wallet really managing and how to manage it? Obviously, wallets are managing assets, so blockchain networks and accounts should be placed in the background, and users should not overthink or manipulate them. It is best not to see or feel them; How to manage? Is it just a simple check? Can't assets be automatically exchanged for appreciation? What if I join an AI agent? This is the underlying logic behind asset centric wallets. AI priority, multi chain assets DeFAI， This is the new generation of wallet ideas, with @ wearetalisman being a typical representative. // What is Talisman One sentence: Multi chain DeFAI wallet, but not just a wallet. Under the guiding principle of asset first, Talisman designs each asset as an independent security unit, where users do not see intricate network lists or account trees, but rather a portfolio of assets that have been intelligently classified. This modular key ring structure allows Talisman to automatically identify over 900 public chain assets and seamlessly support native AI chains such as Bittensor. Treating assets as independent units, each asset is like having a passport, with network information, contract standards, and interaction protocols automatically integrated. When users want to operate assets, the wallet will automatically choose the optimal path, without worrying about the underlying network. The combination of countless asset portfolios makes Talisman look more like an investment portfolio dashboard, which is the killer move. It can break the closed nature of traditional wallets and build an open DeFAI market where anyone can develop and deploy agents to help users manage and trade assets. In the Talisman wallet, AI native chain asset operations such as Bittensor subnet staking, Vana data economy integration, and Autonomy computing token management can be directly completed, which should be the infrastructure for the next generation of AI intelligent chains. Overall, Talisman is not just a wallet, but also the next generation DeFAI and Agentic infrastructure. How to reconstruct a wallet centered around assets Talisman has depicted a futuristic product blueprint. At the beginning of this year, Talisman released a white paper on its AI proxy framework, which provides insights into how the system is bringing Web3 wallets into a new era of 'automatic asset appreciation'. In the initial setup phase, the agent will establish a complete risk profile for users through short questionnaires and on chain behavior analysis, including dimensions such as risk preference level, asset liquidity requirements, and tax optimization requirements. Based on this data, the agent can automatically execute a series of complex wealth management strategies. Take the currently popular stablecoin as an example. In traditional wallets, assets such as USDC and USDT are usually idle, while Talisman's agent monitors the changes in yield on each blockchain in real time and automatically allocates funds to the protocol with the best yield. When the APY of a protocol starts to decline, it will complete asset migration before the next cycle. Don't worry, all operations are strictly controlled within the risk parameter range set by the user. By continuously analyzing market data and user feedback, the agent will continuously optimize the decision model. It can predict network congestion periods to adjust gas expenditures, automatically identify cross chain arbitrage opportunities, and even perform hedging operations automatically during market volatility. This is just a scene fragment. When the asset centered approach is opened up, it can be imagined that various types of DeFAI Agents will appear in Talisman to help users increase their asset value. // Talisman's innovative practices reveal a broader trend: Web3 wallets are transforming from edge tools in the blockchain world to the core entry point for the entire decentralized economy. Talisman currently has over 150000 active users and has recently supported Solana Chain. A mobile version will be released by the end of the year, while the DeFAI platform will be launched early next year. There is currently no TGE, and it is estimated to be coming soon. There is a leak of an initial FDV of 60-70 million US dollars. According to the general valuation method of the wallet track, EV/Revenue should be between 3x and 9x, and Talisman combined with AI should maintain an overall valuation of at least 3x. Of course, valuation is calculated based on personal experience, and it depends on the team's pricing and final market performance. Is there still a participation angle now? Yes, there are ongoing points activities in the wallet. Answering questions can earn points, which can be exchanged for airdrop tokens in TGE. Direct train → http://quest.talisman.xyz Overall, Talisman's blueprint perfectly aligns with the evolution path of the wallet, with AI at the bottom and assets at the center, allowing users to experience automatic appreciation of their assets once they enter the wallet. It feels like a reliable path that can be continuously monitored. This is a soft core science popularization article, through which you can have a partial understanding of the following knowledge: The evolutionary history of encrypted wallets How Talisman Refactors an Asset Centered Wallet The wallet can automatically make money (not Author: Anymose | A Soft Core Science Popularization Writer *This article is for educational purposes only and does not constitute any investment advice. Always remember DYOR!