A new DeFi platform called CoinFello is trying to make dollar-cost averaging as easy as texting a friend. The tool, which went live this week, lets users type something like 'buy $100 of ETH every week using my stablecoin balance' into a chat interface — and CoinFello handles the on-chain execution from there. The pitch is simple: DCA works in crypto, but the infrastructure for running it without giving up custody or wrestling with gas fees has been missing.
Why DCA keeps winning
Dollar-cost averaging — buying a fixed dollar amount of an asset at regular intervals — is one of the most studied long-term strategies in finance. In crypto, where price swings can hit 30% in a month, the logic is even stronger. Research on Bitcoin DCA since 2015 shows that investors who bought fixed amounts weekly over any four-year window came out ahead in nearly every scenario, even when they started buying at a local price peak. A 2025 Fidelity survey found that among retail long-term crypto holders, the most common strategy cited was some form of regular, fixed-amount purchasing rather than active trading. The strategy has held up across decades of market cycles, because the underlying logic is sound: you remove emotion and stop trying to time the bottom.
The DeFi friction problem
But executing DCA in DeFi isn't simple. Users have to navigate protocol front-ends, connect wallets, handle cross-chain bridging, and manage gas fees — all on interfaces that change frequently and occasionally go offline. In October 2025, conditions drove over $1.7 billion in liquidations across Ethereum and EVM-compatible networks, a reminder of how fast things can go wrong when you're juggling multiple steps yourself. Traditional brokerages have offered automatic DCA for years; DeFi hasn't had a clean equivalent.
How CoinFello works
CoinFello's answer is a chat interface where users set instructions in plain language. The platform then identifies the correct on-chain execution path — no need to hunt for the right contract or bridge. It connects to all EVM-compatible wallets and allows account creation via email or phone number. The key design choice: users don't delegate open-ended wallet access. They retain full custody and approve each execution. That avoids the trust trade-off that has scared off many would-be DeFi DCA adopters.
Who's behind it
CoinFello founder Jacob Cantele previously served as Lead of Operations at MetaMask with Consensys. That background — deep experience in the wallet layer — shows in the product's emphasis on custody and user experience. Cantele's team is betting that the chat interface lowers the barrier enough to pull in not just crypto natives, but also the kind of regular buyers who want the DCA strategy without the DeFi headache.
What comes next
CoinFello is live now for EVM-compatible chains. The platform hasn't announced a token or a fee structure beyond what's visible on its site. The question that remains is whether it can build enough of a user base to become a default DCA tool in DeFi — or whether the bigger players, like centralized exchanges and wallet providers, will add similar chat-based automation themselves.
