# Owlto Finance

> Bridge the World with AI Agent

Owlto Finance is a decentralized omni-chain bridge aggregator that uses AI-driven routing to enable fast, low-cost asset transfers across multiple blockchains.

Owlto Finance is a decentralized omni-chain liquidity protocol that integrates AI, smart contracts, and zero-knowledge proof technology to enable cross-chain asset transfers. Its intent-centric architecture automates route selection across multiple blockchains including Ethereum, Bitcoin L2s, and Solana, completing over 90% of transfers within 30 seconds. Owlto aggregates liquidity from multiple DEXs and bridges through a Maker/User P2P model that avoids centralized liquidity vaults. The OWL token enables governance, fee discounts, and protocol revenue sharing for stakers.

- Type: Project
- Sector: Infrastructure
- Status: Active
- Founded: 2023-01-01
- Profile: https://thegrid.id/profiles/owlto

## Products

- [Owlto Bridge](https://thegrid.id/profiles/owlto): Owlto Bridge is a bridge aggregator that routes cross-chain asset transfers across multiple blockchain networks using AI-driven multi-path optimization. The protocol uses an intent-centric Maker/User P2P model where AI agents evaluate real-time gas prices, liquidity depth, and route availability to execute optimal transfers, settling over 90% of transactions within 30 seconds. Zero-knowledge proof verification ensures Makers fulfill obligations on destination chains without centralized custody. (Bridge, Live, Main Product)

## Assets

- [Owlto Finance (OWL)](https://thegrid.id/profiles/owlto): OWL is the native utility and governance token of Owlto Finance. It is used for staking to earn a share of protocol cross-chain fee revenue, voting on governance decisions including chain integrations and fee structures, and unlocking transaction fee discounts across supported networks. OWL powers the protocol's transition to community-owned infrastructure by distributing ownership to users, builders, and ecosystem partners. (Utility)

## Links

- [Main](https://owlto.finance)
- [Documentation](https://docs.owlto.finance)
- [Whitepaper](https://docs.owlto.finance/white-paper)
- [Media Kit/branding](https://drive.google.com/drive/folders/11VOzxtA1HDXlDQZouhizqusdpOeYdoni)
- [Terms of Service](https://owlto.finance/tos)
- [Twitter / X](https://x.com/Owlto_Finance)
- [Discord](https://discord.com/invite/owlto)
- [Telegram](https://t.me/owltofinance)
- [YouTube](https://www.youtube.com/channel/UCpUhEGslZpORmINIJLNeIMg)
- [GitHub](https://github.com/owlto-finance)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP