InfiniFi (INFI)

InfiniFi DeFi is an on-chain yield protocol that applies a fractional reserve banking model to stablecoins. Users deposit assets, while the protocol allocates capital between different strategies to generate yield without relying on leverage at the protocol level. The core of InfiniFi finance is built around several stablecoin positions with different liquidity and yield profiles. iUSD is the main stablecoin of the protocol. Users deposit supported assets and receive InfiniFi iUSD, which represents the most liquid position in the system.

Users who want to earn additional yield can stake iUSD into siUSD. This position remains relatively liquid, as siUSD has no fixed lock-up period and can be unstaked at any time, while letting your farm yield through other LPs where a token lock is required. It allows the deposited capital to participate in a broader range of yield strategies.

For users willing to lock their funds for a predefined period, InfiniFi also offers liUSD positions. Depending on the available product, capital can be locked for several weeks or longer, allowing the protocol to deploy these funds into strategies with a longer duration and potentially higher returns.

InfiniFi protocol does not generate its yield from a single source. It allocates capital across a broad set of DeFi and RWA strategies. The ecosystem has included integrations or strategy exposure involving platforms such as Pendle, Ethena, Morpho, Euler, Silo, Curve, and other DeFi protocols. To learn more about InfiniFi protocol DeFi and RWA strategies, check the InfiniFi docs.

One of the most interesting parts of the project is InfiniFi Prime. While the main InfiniFi DeFi product is aimed primarily at crypto users, Prime is designed for neobanks, fintech companies, and other financial applications. The idea is to give these businesses access to institutional yield products without forcing their end users to interact directly with DeFi or manage individual real-world assets. Prime uses a senior and junior tranche structure. The senior tranche receives priority in the loss waterfall and is intended to provide a more liquid and protected position. The junior tranche takes the first losses in exchange for greater exposure to the economics of the underlying strategy. This structure makes it possible to package products such as private credit into a format that may be easier for fintech applications to integrate.

According to DefiLlama, InfiniFi TVL is standing at around $64M as of October 19, 2026, with previous peaks around $180M. At the same time, the InfiniFi DeFi protocol has reported more than $9M in generated revenue, which is particularly notable alongside the $6M of funding.

🪙 InfiniFi crypto token:

$INFI is the official project native token. The InfiniFi token TGE is planned for Q4 2026, although the exact InfiniFi token TGE date has not yet been announced. The team published official tokenomics where they noticed that InfiniFi airdrop are expected to come from the Ecosystem allocation, though the exact % of supply wasn't announced yet. The complete unlock schedule and long-term utility of the $INFI token will be disclosed closer to the InfiniFi TGE.

The InfiniFi points program is directly connected to the upcoming airdrop. The team confirmed that token allocations will be tied to Seasons participation and other platform activities. However, the exact conversion rate between points and $INFI, as well as the final airdrop allocation, has not yet been disclosed.

✅ InfiniFi pros:

• More than $9M in cumulative revenue generated by the protocol;
• $6M in funding from strong investors;
• Decent Digital Marketing score;
• Confirmed $INFI TGE and airdrop;
• Exposure to institutional private-credit opportunities through InfiniFi Prime;
• Multiple contract security audits;
• Unique DeFi farming strategies.

❌ InfiniFi cons:

• Team and investors account for 40% of the announced token allocation;
• Undisclosed full token utility and airdrop details, same with vesting and unlocks;
• A highly competitive sector;
• InfiniFi TVL has dropped significantly from its historical highs of $180M;
• More time is needed to confirm the reliability of farming strategies.