infiniFi
AuditedVerifiedTrendinginfiniFi is an Ethereum-native fractional-reserve yield protocol that issues iUSD (USDC-backed receipt token) and routes capital across AAVE, Pendle and Ethena through a senior/junior tranche structure (siUSD / liUSD).
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The Problem
On-chain stablecoin yield is either capped at money-market rates (lending) or requires accepting opaque, undifferentiated risk in a single vault. Users cannot easily separate the liquid-yield from the illiquid-yield component of a diversified DeFi book.
The Solution
infiniFi splits depositor capital into a senior (siUSD, liquid) and a junior (liUSD, time-locked) tranche on top of the same USDC backing. Junior depositors absorb first-loss in exchange for amplified yields; senior depositors keep instant convertibility and downside protection.
Why it Matters
Fractional-reserve banking model translated on-chain: a transparent accounting contract, on-chain allocation voting weighted by lock duration, and a FIFO redemption queue — without a governance token or emissions program.
Protocol Metrics
Related Research
View allFrequently asked questions about infiniFi
What is infiniFi?+
infiniFi is a Yield protocol operating on Ethereum, BNB Chain, Plasma, Tempo. infiniFi is an Ethereum-native fractional-reserve yield protocol that issues iUSD (USDC-backed receipt token) and routes capital across AAVE, Pendle and Ethena through a senior/junior tranche structure (siUSD / liUSD).
How does infiniFi work?+
infiniFi splits depositor capital into a senior (siUSD, liquid) and a junior (liUSD, time-locked) tranche on top of the same USDC backing. Junior depositors absorb first-loss in exchange for amplified yields; senior depositors keep instant convertibility and downside protection.
Is infiniFi safe?+
DeFi Sentinel rates infiniFi A with a safety score of 70/100, indicating low-to-moderate risk. The score reflects five risk dimensions: smart contract & technical risk, economic design & market risk, governance & centralization, sustainability & competitive position, and reputation & social trust. infiniFi has 5 audits on record. DeFi Sentinel's analysis flagged 7 medium, 8 low risk alerts across Smart Contract & Technical Risk, Economic Design & Market Risk, Governance & Centralization, Sustainability & Competitive Position and Reputation & Social Trust. As with all DeFi protocols, residual risk remains and users should review the full risk breakdown before depositing.
What is the safety score of infiniFi?+
infiniFi has a DeFi Sentinel safety score of 70/100 (rating A), last updated May 21, 2026. The score is computed across smart contract & technical risk (30%), economic design & market risk (25%), governance & centralization (20%), sustainability & competitive position (15%), and reputation & social trust (10%).
Which chains does infiniFi support?+
infiniFi is deployed on Ethereum, BNB Chain, Plasma, Tempo.
Has infiniFi been audited?+
Yes. infiniFi has 5 audit reports on record from firms including Spearbit, Cantina Crowd, Certora. Audit reports and dates are linked under the Resources tab on this page.