Cogito Finance (Cogito Protocol)
Cogito Finance (Cogito Protocol) — a reference card for a crypto project: what the product does and how verifiable the project’s key claims are; also — alignment with the Decentralized AI thesis (DecAI Fit).
Cogito Finance — an AI/Other project on BNB Smart Chain, token (symbol: CGV).
Disclaimer
Important: this page is a reference overview of the project. Within DecAIHub, we separately record a verification based on open sources within the AI thesis (what is real AI/onchain/why a token, and which sources this is based on).
This is not financial advice and not a recommendation to buy/sell/hold any asset. We do not assess price, returns, or entry/exit timing.
Conclusions are based on publicly available materials found as of the verification date. The absence of confirmation does not imply the absence of the technology.
TL;DR (for readers who are not into AI)
- What it is: a platform that claims the issuance of tokenized fund products/traditional assets “onchain” (for example, funds based on T‑Bills) and the integration of fund tokens into DeFi.
- Who it’s for: investors/DAOs/DeFi protocols that need onchain instruments for access to tokenized assets (as claimed by the project).
- Why onchain/token: onchain is used for the issuance/ownership of fund tokens and integration into DeFi; the CGV token features in the economy (for example, as the object of staking and revenue distribution — per the roadmap).
- Status: Cogito Finance merged with SingularityDAO and SelfKey into Singularity Finance; CGV converts into SFI at 1:0.14122, the first migration phase — since 2025-02-06.
How it works (very briefly)
- The user does: chooses a product (for example, TFUND) and deposits funds (claimed: USDC or a bank transfer).
- The system does: issues fund tokens as confirmation of ownership and makes it possible to use them in onchain/DeFi scenarios.
- The user gets: tokenized “proof‑of‑ownership” and (depending on the product) access to the yield/strategy.
- Where the blockchain is: the issuance and accounting of ownership of fund tokens and their DeFi integrations are positioned as onchain.
- Token role (if any): CGV is mentioned as the ecosystem token with staking and distribution of part of the revenue (per the roadmap).
Quick links: AI thesis fit
Project passport
| Field | Value |
|---|---|
| Project name | Cogito Finance (Cogito Protocol) |
| Also known as (aliases) | Cogito, CGV |
| Logo (logo) | ../assets/365_cogito-protocol_logo.svg |
| Token symbol (ticker) | CGV |
| Category | AI/Other | DeFi |
| Primary chain (chain) | BNB Smart Chain |
| Type | EVM |
| Network status | mainnet |
| Consensus (consensus) | PoSA (BNB Smart Chain; 21 validators) |
| Launch date (launch_date) | — |
| Project status (status) | merged into Singularity Finance |
| Token (standard) | BEP-20 |
| Token contract | 0x1bdaf9ddd7658d8049391971d1fd48c0484f66ec |
| Token model (token_type) | utility (payments + staking + governance) |
| Max supply | — |
| Issuance | — |
| Tokenomics (tokenomics, brief) | distribution of part of the revenue to CGV stakers is claimed (per the roadmap) |
| Governance | — |
| Admins/keys | — |
| Audit | yes |
| Bug bounty | — |
| Team (team) | — |
| Funding (investors/funding) | — |
| AI component (ai_component) | AI strategies (XFUND) |
| Use‑case (use_case) | tokenized funds + on-chain RWA |
| DecAI Fit — AI thesis fit | 3/6 — medium alignment with the Decentralized AI thesis |
| DecAI Fit component summary | ai_score 1 / onchain_score 2 / token_score 1 / evidence_score 2 |
| Last verified | 2026-02-11 |
Links (links_*)
| Type | Link |
|---|---|
| Website | https://www.cogito.finance/ |
| Docs | https://cogito-protocol-2.gitbook.io/whitepaper/ |
| GitHub | https://github.com/cogito-finance |
| Releases / Changelog | https://twitter.com/CogitoFi |
| Whitepaper | https://cogito-protocol-2.gitbook.io/whitepaper/ |
| Roadmap | https://www.cogito.finance/docs-sub/docs/introduction/roadmap |
| Security advisories | https://github.com/cogito-finance/cogito-token-contracts/security |
| Explorer | https://bscscan.com/token/0x1bdaf9ddd7658d8049391971d1fd48c0484f66ec |
| X | https://twitter.com/CogitoFi |
| Discord | https://discord.com/invite/8xMJeGQayG |
| Telegram | https://t.me/joincogito |
| Medium | https://medium.com/@CogitoFinance |
| Audit report(s) | https://hacken.io/audits/cogito/ |
| Bug bounty | — |
| CoinGecko (profile, reference) | https://www.coingecko.com/en/coins/cogito-protocol |
| CoinMarketCap (profile, reference) | https://coinmarketcap.com/currencies/cogito-protocol/ |
General project overview
Cogito Finance describes the product as the issuance of tokenized investment offerings (for example, a fund based on U.S. Treasury Bills) and the issuance of “fund tokens” as onchain proof‑of‑ownership with DeFi integrations (ERC‑4626 is mentioned). The product line also claims XFUND as a portfolio managed by AI (while a Tier‑1 tech description of the specific AI architecture/metrics was not found).
Features/modules
- Fund products (claimed): TFUND / GFUND; issuance of fund tokens as proof‑of‑ownership.
- DeFi integrations (claimed): the ability to use fund tokens in DeFi; the ERC‑4626 standard is mentioned.
- AI portfolio (claimed): XFUND as an AI‑managed portfolio (in terms of strategy/management).
Typical scenarios
- Scenario 1: an investor chooses a fund product → deposits funds → receives fund tokens as confirmation of ownership.
- Scenario 2: a DeFi protocol integrates fund tokens → uses them as an asset/collateral/source of yield (if supported).
- Scenario 3: a CGV holder participates in staking/receives revenue distribution (per the roadmap).
Getting started (wallet/network)
- What you need: access to the Cogito web platform; for onchain operations — an EVM wallet and assets for fees.
- Network/chain: in this card the CGV token is confirmed on BNB Smart Chain; the other products may use other networks (requires verification).
- Fees: network fees (BSC/EVM) on transactions.
Architecture/tech (non‑AI)
- Components (claimed): fund tokens (ERC‑4626), onchain accounting of ownership, KYC/onboarding integrations, CGV staking.
- Participant roles: investors, DeFi integrators, platform operators, CGV stakers.
- Where logic runs: issuance/ownership of fund tokens and the token economy — onchain; KYC/fund operations — probably offchain (not confirmed in detail per Tier‑1).
- Dependencies: EVM networks and their infrastructure; traditional financial providers (mentioned in the roadmap as “stakeholders”).
Token/economics (expanded, no forecasts)
- Token utility (Tier‑1, claimed): CGV staking and distribution of part of the revenue to stakers.
- Protocol necessity drivers: the roadmap describes revenue distribution to CGV stakers.
- Who pays fees: users on onchain operations.
- Where fees go: network fees — to the validators of the respective network; revenue distribution — per the platform’s rules (details require verification).
- Issuance/burn: not established per Tier‑1.
- Incentive mechanisms: CGV staking and revenue distribution are described.
- Distribution/vesting: not established per Tier‑1.
- Treasury: not established per Tier‑1.
- Merger with Singularity Finance: CGV converts into SFI at 1:0.14122 (1 CGV = 0.14122 SFI; the ratios are calculated from the 200‑day moving average up to 2024-11-26); per the SFI documentation, a separate Cogito community vote was not required for the merger; the first migration phase started on 2025-02-06.
Governance
- Who makes decisions: not established per Tier‑1.
- How protocol parameters change: not established per Tier‑1.
- Where decisions are discussed/made: not established per Tier‑1.
- Keys/multisig: not established per Tier‑1.
Security and incidents
- Audits: a Hacken audit is listed in links_* (as an external artifact; the scope requires verification).
- Bug bounty: not found per Tier‑1.
- Incidents: no public postmortems were found per Tier‑1.
- Threat model (what to double‑check): the correspondence of the product claims to the actual implementation; the contract addresses of the fund tokens; the security of staking/revenue distribution.
Project status and timeline
- Current status: Cogito Finance has ended as a standalone project through the merger: it became part of Singularity Finance together with SingularityDAO and SelfKey, and CGV converts into SFI (1:0.14122); the product description in this card (including TFUND, claimed as launched) is based on Cogito Finance materials.
- Key releases/milestones: 2024-10-15 — announcement of the merger with SingularityDAO and SelfKey; 2025-02-06 — start of the first phase of the CGV → SFI migration; other milestones are not established per Tier‑1.
- Roadmap (Tier‑1): https://www.cogito.finance/docs-sub/docs/introduction/roadmap
Ecosystem/integrations
- Integrations (claimed): ERC‑4626 and DeFi integrations of fund tokens.
- Partners: external parties (custodian/broker/auditor, etc.) are mentioned in the roadmap, but confirmation of specific organizations requires verification.
- Where it’s actually used: requires separate verification against Tier‑1 contracts/integrations.
AI component of the project
- What is real AI here? the Tier‑1 materials claim AI‑powered trading strategies and an AI‑managed portfolio (XFUND), but no Tier‑1 tech description/metrics of the AI component were found.
- What is truly onchain? Tier‑1 claims the issuance of fund tokens as onchain proof‑of‑ownership and DeFi integrations; also an onchain fact: the CGV token contract on BSC.
- Why is a token needed? CGV is mentioned as a token with staking and distribution of part of the revenue (Tier‑1 roadmap).
- Red flags (what to double‑check): the website/docs contain irrelevant external links (“community picks”), which may indicate content/security problems; the contract addresses of the fund tokens are not given in this card; the AI claims require technical proof.
DecAI Fit component summary
- DecAI Fit: 3/6 — medium alignment with the Decentralized AI thesis
| Component | Level | Score |
|---|---|---|
| AI reality | low | 1 |
| Onchain necessity | medium | 2 |
| Token necessity | low | 1 |
| Evidence | Tier‑1 present | 2 |
Details
AI reality
AI_0 — AI intent (Tier‑1 roadmap) (1/0)
- AI_0 (decision): 1
- Claim (one line): the website claims AI‑powered trading strategies and an AI‑managed portfolio (XFUND).
- Evidence: Tier‑1 — https://www.cogito.finance/
- Why sufficient / why not (one line): this is a Tier‑1 declaration of AI intent, but not confirmation of a working AI component with artifacts/metrics.
- Conflict note: —
AI_1 — what the AI does (1/0)
- AI_1 (decision): 0
- Claim (one line): a specific description of the AI component and its functions (beyond the marketing level) was not found in Tier‑1.
- Evidence: Tier‑1 — https://www.cogito.finance/
- Why sufficient / why not (one line): without “what exactly the AI does” we set 0.
- Conflict note: —
AI_2 — demos/examples (1/0)
- AI_2 (decision): 0
- Claim (one line): a Tier‑1 demo/guide that allows reproducing the operation of the AI strategies was not found.
- Evidence: Tier‑1 — https://www.cogito.finance/
- Why sufficient / why not (one line): there is no reproducible example of the AI component in operation.
- Conflict note: —
AI_3 — metrics/quality (1/0)
- AI_3 (decision): 0
- Metrics: —
- Context (version/date/how measured): —
- Evidence: Tier‑1 — https://www.cogito.finance/
- Why sufficient / why not (one line): AI quality metrics were not found in Tier‑1.
- Conflict note: —
AI_4 — tech description/architecture/versions (1/0)
- AI_4 (decision): 0
- Claim (one line): a tech description of the AI architecture/model versions was not found per Tier‑1.
- Evidence: Tier‑1 — https://www.cogito.finance/
- Why sufficient / why not (one line): without technical details we set 0.
- Conflict note: —
Onchain necessity
OC_1 — contracts/addresses/chain (1/0)
- OC_1 (decision): 1
- Chain: BNB Smart Chain
- Addresses/identifiers: BEP‑20
0x1bdaf9ddd7658d8049391971d1fd48c0484f66ec - Evidence: Tier‑1 — https://bscscan.com/token/0x1bdaf9ddd7658d8049391971d1fd48c0484f66ec
- Why sufficient / why not (one line): onchain fact: the token contract in the network explorer.
- Conflict note: —
OC_2 — onchain beyond just a token (1/0)
- OC_2 (decision): 1
- What useful logic is onchain: issuance of fund tokens as proof‑of‑ownership and the claimed DeFi integration of tokenized funds.
- Evidence: Tier‑1 — https://www.cogito.finance/
- Why sufficient / why not (one line): the Tier‑1 materials describe onchain issuance/ownership of fund tokens that is not reducible to “just a token”.
- Conflict note: —
OC_3 — onchain is critical (1/0)
- OC_3 (decision): 0
- “Replace the blockchain” test: a Tier‑1 justification of onchain criticality (in terms of trustless properties) was not found.
- Evidence: Tier‑1 — https://www.cogito.finance/
- Why sufficient / why not (one line): the advantages of onchain are described, but without an explicit “without the blockchain the product breaks down” test.
- Conflict note: —
Token necessity
TK_0 — no token (1/0)
- TK_0 (decision): 0
- Claim (one line): the project has a token, CGV.
- Evidence: Tier‑1 — https://www.cogito.finance/docs-sub/docs/introduction/roadmap ; https://bscscan.com/token/0x1bdaf9ddd7658d8049391971d1fd48c0484f66ec
- Why sufficient / why not (one line): the Tier‑1 materials mention CGV staking, and the explorer has the token contract.
- Conflict note: —
TK_1..TK_4 (1/0)
TK_1 — payment for the service (1/0)
- TK_1 (decision): 0
- Claim (one line): direct Tier‑1 confirmation of “payments for the service in CGV” was not found.
- Evidence: Tier‑1 — https://www.cogito.finance/docs-sub/docs/introduction/roadmap
- Why sufficient / why not (one line): the roadmap focuses on staking/revenue distribution, not on payments for the service.
- Conflict note: —
TK_2 — incentives/collateral/penalties (1/0)
- TK_2 (decision): 1
- Claim (one line): the roadmap describes distribution of part of the revenue to CGV stakers.
- Evidence: Tier‑1 — https://www.cogito.finance/docs-sub/docs/introduction/roadmap
- Why sufficient / why not (one line): this is utility in the form of incentives/rewards for holders/stakers.
- Conflict note: —
TK_3 — governance (1/0)
- TK_3 (decision): 0
- Claim (one line): an explicit Tier‑1 model of governance via CGV is not established.
- Evidence: Tier‑1 — https://www.cogito.finance/docs-sub/docs/introduction/roadmap
- Why sufficient / why not (one line): no mentions of governance were found in the available Tier‑1 fragments.
- Conflict note: —
TK_4 — token is replaceable (1/0)
- TK_4 (decision): 0
- Claim (one line): the replaceability of the token is not established per Tier‑1.
- Evidence: Tier‑1 — https://www.cogito.finance/docs-sub/docs/introduction/roadmap
- Why sufficient / why not (one line): a protocol specification is required for a strict conclusion.
- Conflict note: —
Evidence (table)
| Tier | Source | What it proves |
|---|---|---|
| Tier‑1 | https://www.cogito.finance/ | Tier‑1 description of tokenized funds/fund tokens and of the claims about AI‑powered strategies and XFUND |
| Tier‑1 | — | No Tier‑1 source for claim “there is a reproducible demo example of the AI strategies/portfolio” was found. |
| Tier‑1 | https://www.cogito.finance/docs-sub/docs/introduction/roadmap | Tier‑1 roadmap: mentions of CGV staking and distribution of part of the revenue to stakers |
| Tier‑1 | https://bscscan.com/token/0x1bdaf9ddd7658d8049391971d1fd48c0484f66ec | onchain fact: the CGV token contract on BSC |
| Tier‑1 | https://hacken.io/audits/cogito/ | public audit page (as a claimed audit artifact) |
| Tier‑1 | https://docs.singularityfinance.ai/background/merger | Cogito Finance is one of the three projects whose merger formed Singularity Finance (checked 2026-09-24) |
| Tier‑1 | https://docs.singularityfinance.ai/tokenomics-and-utility/token-merge-and-allocations | conversion CGV → SFI at 1:0.14122; no community vote was required for Cogito (checked 2026-09-24) |
| Tier‑1 | https://singularityfinance.ai | merger dates: announcement on 2024-10-15, start of the first migration phase on 2025-02-06 (checked 2026-09-24) |
| Tier‑2 | https://www.coingecko.com/en/coins/cogito-protocol | reference token card (aggregator; not proof of technology) |
| Tier‑2 | https://coinmarketcap.com/currencies/cogito-protocol/ | reference token card (aggregator; not proof of technology) |
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