# BOWO.fi — The AI-powered DeFi super app. > AI-powered DeFi super app for bonding, swapping, spending, and governance. (iPhone/iPad app by BOWO.fi LLC.) - Source: https://appshunter.io/ios/app/bowofi/id6761910078 (this page in markdown: same URL + `.md`) - Developer: [BOWO.fi LLC](https://appshunter.io/developer/1892022924) - Category: Finance, Business - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.1 · 37 MB - Languages: American English - Released: 2026-07-08 - Data updated: 2026-08-22 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/bowofi/id6761910078/reviews.md ## What is BOWO.fi? BOWO.fi — The Bold & Wonderful DeFi Super-App Your all-in-one mobile gateway to decentralized finance. BOWO.fi puts bonding, lending, swapping, governance, and real-world spending in your pocket — all powered by the Polygon network for fast, low-cost transactions. BOND ASSETS AT A DISCOUNT Acquire BOWO tokens below market price by bonding DAI, USDC, or USDT. Our AI Autopilot analyzes live pricing data from CoinGecko to surface the best discount rates in real time, so you always know the optimal time to bond. Bonds vest linearly — watch your rewards grow day by day. SWAP ON THE DEX Trade BOWO ⇄ USDC directly against the on-chain Uniswap V2 pool. See live pool depth, token price, and TVL before every swap. No middlemen, no delays — just pure on-chain execution. BOWO.fi CARD Spend your crypto in the real world. The BOWO.fi virtual debit card lets you use your USDC and USDT balance anywhere Mastercard is accepted. Reveal, freeze, or refresh your card instantly from the app. PROTOCOL GOVERNANCE Hold SHIMS governance tokens to vote on treasury proposals, protocol upgrades, and community initiatives. Delegate voting power, track proposal outcomes, and participate in a fully on-chain DAO with transparent supermajority rules. MEETUPS & REWARDS Host or attend BOWO.fi meetups to earn 25 BOWO per event. Check in at in-person gatherings or join virtual sessions via Zoom. Bond $100+ to verify attendance and unlock your rewards. Share events directly to Telegram and WhatsApp. SHARE & EARN Invite friends with your personal referral link. When they join and link their Telegram, you both earn 10 BOWO. Track your referral stats and grow the community together. MARINKA AI Your personal DeFi assistant. Ask Marinka anything about the protocol — from bond strategies to governance rules — and get instant, context-aware answers. BUILT FOR SECURITY • Privy-powered authentication with email or social login • Non-custodial embedded wallets — your keys, your crypto • On-chain verification for all reward claims • Polygon network for low gas fees and fast finality WHY BOWO.fi? • One app for bonds, lending, DEX, card, and governance • AI-powered strategy recommendations • Real community rewards for real-world meetups • Beautiful dark-mode interface designed for clarity • Live protocol metrics: price, market cap, TVL, treasury, and runway Download BOWO.fi and join a community that's Bold and Wonderful. ## Key features - AI-powered bond discounts - Decentralized token swapping - Virtual crypto debit card - Protocol governance voting - Community meetups and rewards - Referral program - AI DeFi assistant ## Frequently asked questions about BOWO.fi ### What is BOWO.fi? BOWO.fi is a decentralized finance (DeFi) super app that provides a mobile gateway to various DeFi services including bonding, lending, swapping, governance, and real-world spending via a virtual debit card, all powered by the Polygon network. ### How does BOWO.fi help users bond assets? BOWO.fi uses an AI Autopilot that analyzes live pricing data from CoinGecko to identify optimal times to acquire BOWO tokens at a discount by bonding DAI, USDC, or USDT. These bonds vest linearly, allowing users to see their rewards grow over time. ### Can I spend my crypto with BOWO.fi? Yes, BOWO.fi offers a virtual debit card that allows you to spend your USDC and USDT balance anywhere Mastercard is accepted. You can reveal, freeze, or refresh your card directly within the app for convenient management. ### How does protocol governance work in BOWO.fi? By holding SHIMS governance tokens, users can vote on treasury proposals and protocol upgrades. BOWO.fi facilitates a fully on-chain DAO with transparent supermajority rules, allowing users to delegate voting power and track proposal outcomes. ### What are the security features of BOWO.fi? BOWO.fi prioritizes security with Privy-powered authentication (email or social login), non-custodial embedded wallets ensuring users retain control of their keys, and on-chain verification for all reward claims. It also utilizes the Polygon network for fast, low-cost transactions. ### How can I earn rewards with BOWO.fi? You can earn rewards by hosting or attending BOWO.fi meetups, earning 25 BOWO per event after verifying attendance by bonding $100+. Additionally, inviting friends with your personal referral link earns both parties 10 BOWO when they join and link their Telegram. ### Does BOWO.fi have ads? No, BOWO.fi does not contain advertisements. ### What devices is BOWO.fi available on? BOWO.fi is available on iPhone, iPad, and iPod devices. ## Version history (last 4 releases) ### 2.3.2 — 2026-08-21 Included in this Release (2.3.2): Total Portfolio Performance: Added real-time 24-hour percentage and dollar change tracking (▲ Up, ▼ Down, • Neutral) on the Home screen hero card. On-Chain Multi-Market Bond History: Complete multi-depository support (V1, V2, V3) covering all 55 markets on Polygon with verified on-chain proofs and full transaction hashes. Interactive Carousel: Dot indicators to jump directly to any slide and tuned reading intervals. Strict Data Integrity: Guaranteed zero-fabrication and zero mock data across all blockchain queries. ### 2.2.3 — 2026-08-01 What's New in Version 2.2.3 (Build 2): - Uniswap V4 Pool Sync: Real-time depth ($1,864.35 USD) and exchange rate (28.631 BOWO per USDC) integrated for Position #127452 on Polygon Mainnet. - Minimum Deposit Enforcement: Added 100.00 USDC minimum liquidity deposit rule with automatic bi-directional exchange rate calculations. - Instant MoonPay Onramp: Added direct 'Buy USDC' fiat onramp integration for wallets with insufficient balance via Credit Card or Apple Pay. - Enhanced Validation & Warnings: Added inline balance validation warnings and gas fee transparency. - Analytics & UI Polish: Moved detailed pool reserves breakdown into the Analytics tab for a cleaner, responsive interface. ### 2.2.2 — 2026-07-28 What is New in Version 2.2.2 Build 36 Marinka AI Auto Pilot Persistence and Automated Cycle Loop Auto Pilot state is saved in local storage and restored automatically on app launch. Navigating away or restarting the app no longer resets active cycles. Real time linear vesting calculation tracks progress continuously over the 5 day vesting period. When a bond reaches 100 percent vesting, Marinka AI automatically claims tokens, re-bonds into optimal yield pools, increments the cycle count, and seamlessly starts the next repeat cycle. Single Source of Truth for Protocol Metrics Connected mobile metric cards directly to the raw backend governance endpoint. The mobile app and website now display identical live numbers down to the cent, including BOWO Price at 0.5803 dollars, Market Cap at 12.2M dollars, Treasury Balance at 31.18 dollars, and TVL at 827 dollars. Real Polygon Mainnet Bond Verification The Bonds screen queries Polygon Mainnet contracts directly for notes assigned to your wallet address. Completely removed legacy demo bond positions when running in real wallet mode. Transaction RPC Gas Sanitization Resolved intrinsic gas errors by adding a robust 500,000 gas limit buffer, explicit account parameters, and sanitized transaction payloads in contract write routines. User Interface Polish and Error Controls Upgraded Marinka AI error banners with clean 2 line truncated error text, expanded touch targets, and instant Refresh and Stop action buttons. Ready for App Store Connect and TestFlight deployment. ### 2.2.0 — 2026-07-08 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-22.*