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Addressing challenges such as user trust, data privacy and security, and regulatory compliance, we conducted a targeted literature review, expert interviews, as well as iterative prototype ideation and evaluation to derive three design principles: (1) Human-Centered Design, (2) Resilience and Interoperability, and (3) DeFi-Native User Experience Together, these principles operationalize general chatbot design guidance for DeFi contexts characterized by self-custody, irreversible transactions, and adversarial risk environments. We demonstrate these principles through DeFAIGuide, a mockup that illustrates how technical barriers in DeFi can be abstracted to enhance accessibility for novice users while also offering advanced features for expert users. Our study contributes actionable design knowledge to support the future development of DeFAI solutions that advance inclusivity, security, privacy, and self-sovereignty, paving the way for a more transparent and participatory financial future.<\/jats:p>","DOI":"10.1007\/s10660-026-10116-5","type":"journal-article","created":{"date-parts":[[2026,3,18]],"date-time":"2026-03-18T11:59:26Z","timestamp":1773835166000},"page":"3001-3060","update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":0,"title":["Designing generative AI chatbots for decentralized finance: deriving insights from DeFAI"],"prefix":"10.1007","volume":"26","author":[{"ORCID":"https:\/\/orcid.org\/0009-0007-0983-5089","authenticated-orcid":false,"given":"Severin","family":"Bonnet","sequence":"first","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Jan-Gero Alexander","family":"Hannemann","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Frank","family":"Teuteberg","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"297","published-online":{"date-parts":[[2026,3,18]]},"reference":[{"key":"10116_CR1","volume-title":"Menschheit 2.0.: Die Singularit\u00e4t naht","author":"R Kurzweil","year":"2014","unstructured":"Kurzweil, R. 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