InfiniFi is doing fractional reserve banking onchain.
Yes, like the banks. But transparent, automated, and with better rates â because robots donât need corner offices.
Letâs unpack it đ§”

@infinifilabs 2/ Users deposit stablecoins â receive iUSD (1:1 USD).
From there:
- Stake to get siUSD (liquid, ~8% APY)
- Lock for liUSD (illiquid, up to 13.4% APY)
Flexibility or fat yield. Choose your fighter.
3/ Behind the scenes, InfiniFi deploys a chunk of capital (esp. liUSD) into Aave, Pendle, Ethena, etc.
The rest? Kept in reserve, Ă la banks.
Fractional reserve logic, but with onchain clarity.
No smoke, no mirrors.
4/Risk is structured:
liUSD takes the first loss, then siUSD, then base iUSD.
The classic senior-junior stack, but encoded, not⊠ensuited.
You always know whoâs on the hook.
5/ Thereâs a Points system too.
Mint, stake, LP, refer â earn Points.
No token yet, but weâve all read this story before.
Spoiler: early adopters tend to do well.
6/ InfiniFi isnât just about farming.
Itâs a coordinated system, turning idle stables into yield-maximizing assets with TradFi-inspired risk control.
Function over flash.
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