Smart savings agents on Celo don’t need to only park funds in stablecoins. XAUt0, the omnichain @Tether Gold gives agents an inflation hedge option for user portfolios. Real gold savings, onchain. Idea to build: Smart Savings Agent: users set goals like "Save $500 for vacation by March." Agent asks about income, risk tolerance, and timeline. It creates personalized strategy across @AAVE for yield, @Uniswap LPs for returns, and XAUt0 for inflation hedge. Conversational finance that actually invests.