# Owlto Finance > Bridge the world with AI agent Owlto Finance is a decentralized omni-chain bridge aggregator. It uses AI-driven routing to enable fast, low-cost asset transfers across multiple blockchains. Owlto Finance is a decentralized omni-chain liquidity protocol that combines artificial intelligence, smart contracts, and zero-knowledge proof technology to enable cross-chain asset transfers. It targets users and developers who need to move assets such as ETH, BTC, and stablecoins between networks without relying on centralized intermediaries. Its intent-centric architecture automates route selection across a wide range of supported blockchains, aiming to complete most transfers within seconds. The protocol addresses fragmentation across the multichain ecosystem, where liquidity and users are spread across many separate networks. Owlto aggregates liquidity from multiple decentralized exchanges and bridges through a peer to peer model between makers who provide liquidity and users who initiate transfers, avoiding a centralized liquidity vault. This approach is intended to lower trading costs and improve transaction efficiency and security compared to routing through a single liquidity pool. The protocol's native token, OWL, supports governance, fee discounts, and revenue sharing for participants who stake it. Beyond its bridging functionality, Owlto operates a points and rewards program for contributors and frequent users. It is used by individual traders, developers deploying cross-chain applications, and liquidity providers participating in its maker network. - 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 cross-chain bridge that transfers assets such as ETH and stablecoins across multiple blockchain networks. It uses an intent-centric Maker and User model combined with AI-driven route optimization and zero-knowledge proof verification, allowing Makers to fulfill transfers on destination chains without centralized custody. The system evaluates gas prices, liquidity depth, and route availability to complete most transfers within seconds. Users also earn points for completed transfers, daily check-ins, and referrals, which serve as a loyalty and incentive mechanism tied to bridge usage. (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 share in protocol fee revenue, voting on governance parameters and network expansion, and unlocking transaction fee discounts across supported chains. The token distributes protocol ownership to users, builders, and ecosystem partners who contribute to the interoperability network. (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