InfiniFi is doing fractional reserve banking onchain. Yes, like the banks. But transparent, automated, and with better rates — because robots don’t need corner offices. Let’s unpack it 🧵

@infinifilabs 2/ Users deposit stablecoins → 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, à 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 who’s on the hook.

5/ There’s a Points system too. Mint, stake, LP, refer → earn Points. No token yet, but we’ve all read this story before. Spoiler: early adopters tend to do well.

6/ InfiniFi isn’t just about farming. It’s a coordinated system, turning idle stables into yield-maximizing assets with TradFi-inspired risk control. Function over flash.