InfiniFi

What InfiniFi Is

InfiniFi is an on-chain dollar-yield protocol that describes itself as banking rebuilt for stablecoins. Users deposit supported stablecoins and mint iUSD, the protocol’s dollar-denominated asset. Capital is allocated across yield strategies — including DeFi protocols, tokenized credit and real-world assets, with integrations including Ethena, Pendle, Morpho, Aave and Curve, per the project’s own materials — and yield is shared across depositors. Users choose their terms: stake iUSD and stay liquid, or lock iUSD for a longer duration for higher projected yield.

Its points programme is the reason it appears in airdrop guides: points earned from deposits and iUSD activity feed a community airdrop that will come from the ecosystem share of the INFI token. The token generation event is targeted for Q4 2026, and the project published INFI tokenomics on 14 October 2026. But, as the honest flags below stress, the share of the ecosystem allocation that actually goes to users, and every eligibility and claim rule, remain undisclosed.

Why It Matters

InfiniFi is one of the few October 2026 points programmes with both a named token and a dated TGE target. Its 23 September 2026 seed announcement, reported by PR Newswire and KuCoin, puts total raised above $6 million across a $3 million pre-seed round (February 2025) and a $3 million-plus seed round led by Electric Capital, with over $9 million in yield generated for users since its June 2025 launch and a stated all-time-high total value locked of $180 million (above $50 million at the time of the announcement, about $49.8 million on DefiLlama per KuCoin). Those are the project’s figures, not independently audited numbers.

The October tokenomics give the programme a concrete frame: 45% of INFI goes to the ecosystem, which includes the community airdrop; 20% to the team, 20% to investors and 15% to the foundation. Crucially, the ecosystem share is NOT the airdrop size — the project has not said how much of that 45% reaches users. Points earned from 26 August 2026 come from a new fixed token allocation, and the project says earlier Season 1 and Season 2 points carry fixed allocations that will not be diluted by the newer rewards period. That fixed-allocation promise is the strongest signal in this programme — and the missing user share is its biggest gap.

Token, Blockchain and Status

• Blockchain: Ethereum (gas is paid in ETH; the protocol’s integrations are Ethereum DeFi venues). The project also mentions multichain expansion, but the live points programme described in the sources reviewed is Ethereum-based.
• Type: Points farming via stablecoin deposits and iUSD activity (DeFi yield programme).
• Status: Live points programme, running toward a Q4 2026 TGE target. The exact TGE date, exchange listings and token price are NOT announced.
• Token name/symbol: INFI — announced, with tokenomics published 14 October 2026. Total supply, user airdrop share, eligibility rules, snapshot date, claim window and vesting/unlock schedule are all undisclosed in the sources reviewed.
• Tokenomics (project-published, reported October 2026): Ecosystem 45% (includes the community airdrop), Team 20%, Investors 20%, Foundation 15%. Vesting details for team, investors and foundation are pending.
• Projected yields (project claims, NOT guaranteed): InfiniFi projects 7.4% returns, stake up to 8% APY, lock up to 12% APY. Treat every yield figure as a variable projection, not a promised return.

Funding

InfiniFi raised a $3 million pre-seed round in February 2025, led by Electric Capital, and a seed round of more than $3 million announced 23 September 2026, also led by Electric Capital, with New Form Capital, Generative Ventures, Fasanara, 2Square, 4th Revolution Capital, DCFGod and The Rollup participating. Total external capital raised is above $6 million. Source: PR Newswire release from InfiniFi, 23 September 2026, corroborated by KuCoin. Founder, from the same release: Rob Montgomery, CEO and founder of InfiniFi.

One caution from October 2026 reporting: InfiniFi Prime launched on Blend on 17 October 2026 and a security warning followed, according to CoinStats’ 17 October coverage. The details of that warning were not verified in the sources reviewed — check the live status of Prime and the project’s security disclosures before depositing anything.

How to Join, Step by Step

Joining is wallet-based and requires real stablecoin deposits. There is no free, email-only route: points come from deposited capital, which is at risk.

1. Go to the official app only: open https://app.infinifi.xyz and check the address bar. The project’s main site is https://infinifi.xyz and its docs are at https://docs.infinifi.xyz. Do not trust lookalike domains.
2. Connect a wallet you control on the app. Keep enough ETH in the wallet for network fees, as the guides reviewed note.
3. Deposit a supported stablecoin in the app to mint iUSD, in an amount you can afford to lose in full. Deposited capital is exposed to smart-contract, strategy and depeg risk — this is not a bank deposit and carries no deposit insurance.
4. Choose your terms: stake iUSD to stay liquid and withdraw at any time (projected up to 8% APY), or lock iUSD for a duration for higher projected yield (up to 12% APY). Locking means slower exit — read the live lock terms before locking.
5. Track your points: open https://app.infinifi.xyz/points and check your points balance and any active boosts or multipliers, which the project says can change between phases. Points from 26 August 2026 come from a fixed allocation; earlier Season 1 and Season 2 points are not diluted by the newer period, per the project.
6. Check the referral area in your own dashboard if you want a referral link (see Referral Note). Earlier campaign terms gave a 10% points bonus from direct referrals, but current terms must be checked live — do not assume the old rate still applies.

Referral Note

A referral programme has existed: earlier campaign terms gave users a 10% points bonus based on activity from direct referrals. No caawnews referral link was obtained in this research. A personal referral link lives inside the signed-in account dashboard, and only the farming step can extract it after signup. Do not copy another guide’s referral link into the post, and do not assume the earlier 10% rate is still live.

Risks — Read Before You Touch This

• Real funds at risk: Points require real stablecoin deposits. Smart-contract bugs, strategy losses, stablecoin depegs and lockup illiquidity can all lose money. Projected yields (7.4%, 8%, 12%) are projections, not guarantees.
• User airdrop share undisclosed: The 45% ecosystem share is not the airdrop size. The project has not published how much of it goes to users, nor eligibility, snapshot, claim or vesting rules. Depositing does not guarantee any allocation.
• TGE is a target, not a date: Q4 2026 is the stated target; no exact date, exchange, trading pair or token price has been announced. A TGE does not automatically mean immediate trading.
• Prime security warning flag: CoinStats reported a security warning following the 17 October 2026 InfiniFi Prime launch on Blend. Details were not verified here — check live disclosures before using Prime.
• Terms move between phases: Boosts, multipliers and referral rates have changed before and can change again. The live dashboard, not this draft, is the source of truth.
• Lookalikes: Only infinifi.xyz, app.infinifi.xyz and docs.infinifi.xyz are trusted here. A similarly named project or fake app is not this protocol.

FAQ

Does InfiniFi have a token? Yes, INFI is announced with published tokenomics (Ecosystem 45%, Team 20%, Investors 20%, Foundation 15%), but total supply, the user airdrop share, snapshot, claim window and vesting are undisclosed.

When is the TGE? Targeted for Q4 2026, per the project’s September 2026 announcement. No exact date has been published.

Can I join for free? No. Points come from stablecoin deposits that mint iUSD. There is no email-only or free route in the sources reviewed.

Are the 8% and 12% yields guaranteed? No. They are project-projected APYs for staking and locking. Yields are variable and deposits carry smart-contract and strategy risk.

How much of the 45% ecosystem share goes to users? Not published. Do not treat 45% as the airdrop size.

Is there a referral link I can use? No caawnews referral link was obtained: the personal link lives inside the signed-in dashboard. Earlier terms gave a 10% points bonus from direct referrals, but current terms must be checked live.