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Samuel Schmitt

Building non-custodial managed-account infrastructure for autonomous finance.

I lead protocol and agent infrastructure for Sail: runtime-enforced mandates, self-custodial smart accounts, scoped permissions, workflow orchestration, and DeFi execution systems that let agents act continuously without taking custody of user funds.

mandates session keys runtime checks DeFi execution
Portrait of Samuel Schmitt
NYC · Madrid, Spain
US citizen
Autonomous finance infrastructure

Sail story

Beta traction, new protocol direction.

Sail moved from an AI-agent beta into deeper infrastructure for non-custodial managed accounts.

Owner Self-custody

Safe or account holds assets and controls revocation.

Mandate Session + policy

Permission signer authorizes a live policy reference.

Runtime Kernel enforcement

Route, calldata, value, workflow, return, gas, and fee checks.

DeFi Bounded action

Manager or agent acts without taking custody.

01 / Public traction

Sail Beta

Sail's beta proved demand for self-custodial autonomous financial execution. Users deposited stablecoins into Sail Accounts, configured preferences, and let agents execute DeFi actions such as swaps, bridges, deposits, redeems, and yield allocation.

  • $700M+ autonomous execution volume
  • 161,776 on-chain transactions
  • $600K+ assets under management
  • Self-custodial accounts, session keys, stablecoin automation
These metrics describe the beta product only. They are not attributed to the new Sail Protocol.
02 / Audit and release prep

New Sail Protocol

The new protocol direction is non-custodial managed-account infrastructure for DeFi: owners keep custody, managers or agents execute within approved mandates, and runtime checks reject out-of-policy actions before funds move.

  • Mandates enforced by code
  • Owner custody separated from execution authority
  • Scoped permissions, revocation, pausing, expiry, and replacement
  • Workflow orchestration, SDK surfaces, and evidence reports
The protocol is described at a high level here. Private whitepaper details and unreleased internals stay private.

Career

Roles, startups, and shipped systems.

Operating track record across autonomous finance, YC-backed product engineering, civic infrastructure, hackathon systems, and identity research.

01 2024-now

Sail.money

CTO, protocol and agent infrastructure

SMA infra

Led architecture for the new Sail Protocol and permission layer, including contract development, the 4337-to-7702 migration, workflow orchestration tooling for agent iteration, and the bridge between smart contracts, backend services, SDKs, and agent runtimes.

EIP-7702ERC-4337SolidityAgent orchestrationDeFi
02 2023-24

Blitz

Early full-stack engineer, YC S22

YC product

Early full-stack engineer at YC S22-backed Blitz. Built TypeScript product and backend systems, including dynamic application architecture and graph-database-backed querying work.

TypeScriptReactNodeTypeDBProduct engineering
03 2020-23

Quae

Co-founder and CTO

Founder

Built a Launchpad-backed civic governance platform with a bootstrapped team of three. Quae partnered with Stevens Student Government and expanded into Hoboken community work with local organizations and city relationships.

MERNReact NativeCivic techIdentityLaunchpad
04 2022-23

Cabal Labs

Builder and research community

ETHGlobal

Co-founded a Web3 builder community and shipped ETHGlobal projects under the Cabal Labs umbrella, including Cabal Chat, ETHWaldo, and Tap Contacts.

ETHGlobalWeb3AI agentsSmart contractsPublic goods
05 2023

IDdeck

Senior design / Ansary finalist

Identity

Built a decentralized identity and authorization prototype for application-level trust, access control, and portable user authority at Stevens Institute of Technology, presented as an Ansary finalist project.

IdentityAuthorizationSolidityAccess control

Skills

Systems skills across agents, DeFi, and product engineering.

Practical capability across product surfaces, agent tooling, smart accounts, DeFi integrations, and platform operations.

01 · LANG

Core languages

Production code across product surfaces, agent services, and smart contracts.

TypeScriptPythonSolidityGo
02 · PROD

Product systems

Full-stack interfaces, APIs, workflow tools, and backend services.

ReactNext.jsNode.jsExpressFastAPI
03 · AGNT

AI and agents

Agent runtime design, MCP/tool interfaces, CLI workflows, local models, and orchestration.

LangGraphMCPOpenAI APIsagentic workflowsagent CLIsskill developmenttool callingOllama
04 · ACCT

Account infrastructure

Smart accounts, scoped permissions, protocol execution, and DeFi integration paths.

Ethereumsmart contractsEIP-7702ERC-4337session keysaccount abstractionDeFi integrations
05 · DATA

Data and platform

Databases, cloud deployment, auth boundaries, and engineering operations.

PostgresMongoDBAWSAzureOAuthJWTGit

Contact

For Sail diligence, technical work, and founder conversations.

Best for investor diligence, customer or partner evaluation, senior technical roles, and conversations around autonomous finance infrastructure.