Intelligent DeFI made simple. Powering @kinsuapp & @play_ember
Joined March 2025
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ConsumerFi Protocol retweeted
Breaking: 🇺🇸 If inflation is at 2.4%, your savings need to earn more than 2.4% just to grow in real terms.
Kinsu
ConsumerFi Protocol retweeted
You already know I've been putting my stables to work on @MultipliFi, earning ORBs and yield while I sleep. Sitting top 3% right now and climbing. Same playbook I'm running with my $FOGO on @Pyronfi .
But let me put you on something different that caught my attention and this one's not for us degens. It's for the people we know who still keep their savings in traditional banks earning next to nothing.
→ Meet @kinsuapp - DeFi savings made so simple your parents could actually use it.
↳ Powered by @ConsumerFi, this is what happens when you take everything complicated about DeFi and hide it completely from the user.
Here's the thesis I need you to understand:
→ The real DeFi moment comes when everyday users don't even know they're using DeFi.
↳ That's exactly what Kinsu is building, A simple mobile savings app where anyone can earn USDC yield without touching a wallet, understanding gas fees, or knowing what a smart contract even means.
↳ Even Your friend who thinks crypto is a scam can use this. Your cousin who just wants to save for a car this is also Perfect for them.
Now let's talk about the token ecosystem, this is where it gets interesting for us:
→ $CFI is the native token powering the entire ConsumerFi Protocol.
↳ Total supply of 1 billion tokens.
↳ No bridges needed, No swaps, Just seamless cross-chain participation.
→ $xCFI is the staked version of $CFI.
↳ When you stake your $CFI, you receive $xCFI which represents your staked position.
↳ This gives you governance rights and positions you for additional rewards within the ecosystem.
→ Season 2 is coming with a focus on "Intelligent Finance."
↳ Finance that thinks, learns, and acts on your behalf using your personal data and preferences.
↳ If you're holding and staking $CFI now, you're positioning yourself early for what's coming next.
Why this matters:
→ DeFi yields are consistently better than what traditional savings accounts offer.
↳ But let's be honest, the average person will never learn how to use MetaMask, bridge assets across chains, or navigate lending protocols just to earn 5-8% on their savings.
↳ Kinsu removes all of that friction, It brings DeFi yields to people who simply want to save money and reach their life goals faster.
→ Think about it, first home, travel with friends, emergency fund, whatever matters to them.
↳ Kinsu helps everyday savers get there faster by putting their money to work in ways traditional banks simply cannot match.
Here's how I see the landscape:
→ For us crypto natives, we use platforms like @MultipliFi to earn ORBs and yield while staying position.
↳ We understand the game, We're comfortable navigating the complexity because we've been here.
→ For everyday savers who want nothing to do with crypto jargon, apps like @kinsuapp become the gateway.
↳ They get all the benefits of DeFi without any of the friction or learning curve.
↳ And that's exactly how you onboard the next billion users by making DeFi invisible.
The @ConsumerFi thesis is "Intelligent DeFi made simple" and honestly, that's exactly where this entire industry needs to go.
Next time someone asks you how to get better returns on their savings without the crypto complexity, you'll know exactly where to point them.
ConsumerFi Protocol retweeted
Some weeks ago when the $CFI claim went live, I had a decision to make.
I could’ve claimed and moved on.
Instead, I staked my entire allocation.
Right now, that locked allocation is already earning around 9% APR quietly in the background.
So far, it’s added 621.96 CFI without me touching anything, And in about 158 days, my boost allocation will also be unlocks on top of that.
That alone already tells me I made the right call.
But here’s the bigger reason I’m still holding everything.
@ConsumerFi isn’t just a token to me.
It’s the execution layer behind real apps that people are already using especially the @kinsuapp. The Kinsu Genesis Vault is a perfect example of what ConsumerFi is trying to do right.
You deposit USDC.
You lock xCFI.
And you unlock boosted yield on your savings.
No leverage.
No weird loops.
No manual rebalancing.
ConsumerFi even allocated 2.5 million $CFI specifically to power boosted yields in this vault.
What I like most is how the yield stacks:
- Base USDC yield from blue-chip lending markets
- Staking yield from xCFI
- Boost emissions when you lock xCFI
And on top of that, your xCFI balance feeds directly into Season 2 points, with boosts that scale the more aligned you are.
This is exactly why I’m holding my full allocation.
ConsumerFi rewards patience, alignment, and actual usage, not quick exits.
If you believe consumer crypto should just work in the background while value compounds, this setup makes a lot of sense.
I’m staying locked.
I’m staying boosted.
And I’m letting execution do its thing.
If you’re already in, take a real look at how you’re positioned.
If you’re not, this is the kind of system that rewards showing up early and staying aligned.
ConsumerFi is still early, and i'm here.
That’s the difference.
ConsumerFi Protocol retweeted
David Sachs indicates a single national framework for AI, while @vaneck_us suggests the AI bubble has already popped, but with a hard refresh before the next leg up?
It's been an eventful week for Crypto AI & Robotics, here's the latest roundup:
- @tether Releases QVAC Genesis II, Expanding the World’s Largest Synthetic Educational Dataset to 148 Billion Tokens
- @gensynai $AI token sale concludes with 7,412 participants, $16M committed and $473M closing FDV
- @programmer reveals @x402 V2 to evolve internet-native [agentic] micropayments with greater flexibility and power
- @a16z released 17 crypto predictions for 2026, including "know your agent" and that we can now use AI for substantive research tasks. Proof of agency will become invaluable to differentiate the good and bad agents
- Datavault AI Inc. (NASDAQ: DVLT) announced the issuance of two U.S. patents for blockchain-driven content licensing and tokenized monetization systems
- @FractionAI_xyz goes live on the @base App including all of its AI features with full functionality
- Bitcoin miner "Hut 8" Executes $7B AI Datacenter Deal with Google Backstop
- Waymo (autonomous vehicles) experience shutdown following recent power outage in the U.S. Tesla robo taxis keep their lights on
- @Solana based DePIN project @fuseenergy announced a $70M Series B funding round led by @lowercarbon and @balderton, valuing the company at $5B.
- @CheckCanopy posts his first X message using his BCI @Neuralink - things really are getting dystopian. Does sending emails from one neuralink to another count as telepathy?
- @openservai published the SERV research paper on BRAID; their proprietary reasoning architecture; this included up to 122× cost efficiency + performance gains on frontier models (incl. GPT-5)
- @ambient_xyz testnet went live with more demand than anticipated. Ambient is a PoW L1 supplying hyperscaled verified inference on a 600B+ parameter model, backed by a16z, Delphi and Amber group
- @ConsumerFi goes live with its Season 2 rewards, including 100million $CFI with a focus on Intelligent Finance with @kinsuapp as the main partner
- @PayPal PYUSD Partners with @USDai_Official for AI Infrastructure Financing
- @yieldseekerxyz launches partnership with @merkl_xyz for boosted 14-18% automated yields on your stables
- AI-powered Web3 social and dating platform @metyacom completed $50M strategic funding led by United Century United Holdings
- @NEARProtocol token is now tradable on Solana shortly after @mert shows his support for NEAR
- @BioProtocol releases a Shopify for research-backed health products
Let me know in the comments if I've missed anything and I'll append below!
Disclaimer: I hold several tokens and have partnerships with some projects mentioned in this post.
I'll be at @Solana Breakpoint in Abu Dhabi for the next few days so let me know if you're around
No doubt i'll be lurking at the AI and robotics stands; Talking of which, here's the latest roundup:
- @carv_official launches @CashieCARV 2.0, a programmable onchain execution layer that integrates everyone's favourite agentic payment protocol (x402), CARV ID, and ERC-8004, turning social engagement into verifiable rewards...
@waleswoosh pipped me on this one and will now be known as W4le.
- @tether AI, introduces @qvac Health, an AI powered health and wellness app and platform, where data remains 100% private and AI runs locally to your device
- @AnthropicAI is donating the Model Context Protocol (MCP) to the Agentic AI Foundation, a directed fund under the Linux Foundation. Unsure what MCP is? I'll link my article below
- On that note @blocks reveals the Agentic AI Foundation with Anthropic, @OpenAI, and industry leaders: a new @LinuxFoundation initiative to keep agentic AI open source and community-driven. @goose_OSS and Anthropic's Model Context Protocol (donated) are founding projects:
"goose will become the reference implementation for the MCP" - @jack
- @NousResearch open sourced Nomos 1. At just 30B parameters, it scores 87/120 on this year’s Putnam, one of the world’s most prestigious math competitions
- @Aster_DEX releases the 'Human vs AI battle'. 70 funded humans are now trading head-to-head against 30 AI agents run by @nofA_ai. Giving me AI Arena vibes but with humans in the mixer
- @gensynai reveals $AI (Nice ticker) token. 3% of the network, beginning at $1M FDV will be available for the ICO with the sale starting on December 15th. Val cap is $1b (same price as A16z received on last raise). Follow @GensynFND for more details
- @auki announces its second store from its paid US pilot with the aim of making physical spaces ready for robots
- @useTria hits $20M volume in 3 months of beta as it becomes "the fastest-growing self-custodial neobank"
- @ConsumerFi highlights that the theme for season 2 is Intelligent Finance, with @kinsuapp being at the forefront. $CFI stakers unlock APR boosts for USDC deposits in Kinsu
- For those still holding $SNAI: @swarmnode migration has begun and will last 2 weeks. You must migrate your tokens in time to avoid losing them
- @vooi_io partners with @PythNetwork as it brings in pricing for RWA categories for the AI powered Perp DEX aggregator.
It also highlights eligibility for partner airdrops from other Perp DEXs that it aggregates; for instance its "YZiLabs backed mutual port-co" Aster
TradAI + Robotics:
a) SoftBank Group and Nvidia are in talks to lead an investment of over $1 billion at a $14 billion valuation in Skild AI, a software company building a foundational robotics model. The robots are coming.
b) @bscholl reveals "Superpower": a 42MW natural gas turbine optimized for AI datacenters, built on our supersonic technology
c) Trump set to launch new AI platform called "Truth AI"
Bonus: Good AI + robotics reads while I'm awol at conferences:
1) @Old_Samster: Bittensor investment thesis: xitter.cf/Old_Samster/status/199…
2) @tengyanAI: AI Usage report findings analysis: xitter.cf/tengyanAI/status/19975…
3) @0xJeff: Prediction for 2026 — Crypto x AI Edition: xitter.cf/0xJeff/status/19982546…
4) @JacklouisP: The Abundance Paradox (particularly in the age of AI: xitter.cf/JacklouisP/status/1998…
5) @bangerz: YouTube deepfake Solana giveaway: xitter.cf/bangerz/status/1997367…
Let me know in the comments if I've missed anything and I'll append below!
Disclaimer: I hold several tokens and have partnerships with some projects mentioned in this post.
ConsumerFi Protocol retweeted
One-click vaults are how crypto becomes everyday money.
This is the philosophy behind Kinsu.
Change the way you save.
ConsumerFi Protocol retweeted
All $CFI traders directly engage with the RHEA point system.
Things are built differently for the Consumer.
RHEA is ready to support the second round of CFI Season 2 with Kinsu.
You can also trade $CFI on beta.rhea.finance to secure a share of the $4500 prize pool distributed among users.
The $CFI trading competition is in full swing.
Over $2,000 in rewards are available to Base and NEAR traders.
Read on below for more details and check your leaderboard position via the Dune dashboard in the next post.
ConsumerFi Protocol retweeted
Trade $CFI on @rhea_finance ⏩ Win 1,000 USDC in prizes
The @ConsumerFi trading competition will reward the top 5 CFI traders (by volume) on Rhea!
All you gotta do is swap $CFI on $NEAR 📈
ConsumerFi Protocol retweeted
This market has been quiet.
Too quiet...
&& with that the next 100x usually tends to pop up, when everyone LEAST expects it.
My gut is telling me it probably won't come from some DeFi protocol, or a TradFi like app, but rather, something that is ACTUALLY built for retail, with a native UX, and a layer of gamification that makes it all enjoyable.
My partners over at @ConsumerFi, are building just that, and I do think, it's where the opportunity could be.
After creating @kinsuapp, the app that combines Finance and Fun, a way to earn yield and real rewards in an entertaining fashion, the cracks of the flood gates are starting to show.
ConsumerFi as a whole, has an entire focus on making finance... fun
Genuinely, enjoyable. Not the boring, mundane, repeated efforts of the past.
Coupling that with the native building blocks of ConsumerFi, and the recent launch of their $CFI token, the narrative is alive and growing.
➤ ConsumerGraph: Aggregates your financial behavior, social signals, and preferences creates a verifiable and private identity enables personalized strategies without exposing raw data
➤ Agentic Layer: A non-custodial execution engine that automates complex cross-chain actions securely, enabling seamless, intent-based transactions.
These 2 components alone, are what can open up countless opportunities on the user layer. From a data ownership and leveraging your own data, and right into an automation layer, where the mundane tasks of blockchain activities can be fully automated.
There is just so much here with what is going on behind the scenes, and it has me truly excited for the future of ConsumerFi.
ConsumerFi Protocol retweeted
✅ Audit Complete: We have successfully completed the Merkle and Investor @NEARProtocol JavaScript smart contract audit for ConsumerFi Protocol (@ConsumerFi).
Highlights from the audit:
〰️ 13 findings discovered, with all major issues resolved
〰️ Tests: Great coverage & quality
〰️ Documentation: Excellent
〰️ Code: Good quality
🔗 Public report → github.com/ResonanceCybersec…
Big congratulations to ConsumerFi Protocol team for prioritizing security for their very cool implementation which intersects consumer finance and games 🦾
ConsumerFi Protocol retweeted
Every time you use AI you are giving away that data, entirely for free.
What if I told you that does NOT have to be the situation?
Have you heard of Kinsu?
It's been a pleasure partnering with @kinsuapp to bring more awareness to their product!
It is a New Digital Savings App, that is leveraging the NEAR AI Technology.
What that entails is a FULLY private chatbot
This ensures your personal chats and financial data are TRULY private...
The entire thesis behind what NEAR has just rolled out is simple.
Users should own their AI.
Now couple that with what @ConsumerFi has built with Kinsu.
A NEW way for YOU to save.
APYs from 8-12%
And a full financial planning application, where at the core of it, your data is YOURS.
No more spam calls, random people contacting you offering you loans or instant cash opportunities when you're simply trying to find the best way to manage your finances after some online searches and chatbot queries.
Kinsu is live on Base and NEAR right now, giving you the ability to not just save with crypto, but also gamify the experience.
Offering 3x more than traditional banks from an APY standpoint, buy saving with Kinsu you also get access to a gamified experience for finance, earning daily spins, that have REAL rewards.
For those wondering how all of this is possible Kinsu provides the yield on stablecoins through Rhea Finance, Moonwell DeFi, and AAVE. 3 of the top companies in the space.
There is NO cold start situation for this dApp, Kinsu being developed in partnership with @play_ember, matters...
There are already over 900,000 RETAIL customers earning and now saving crypto, by just using the product itself.
And at the core of it all, the goal here is to continue to have Kinsu provide not just the BEST consumer experience for your assets, but a gamified experience that keeps you coming back.
Fun and Finance, in one place.
Sign Up, Deposit, Earn, and Get Rewarded... Today.
kinsu.finance/login
ConsumerFi Protocol retweeted
Welcoming @ConsumerFi's $CFI, now listed on RHEA's NEAR DEX.
We're sharing 12,000 $CFI with the community: the first $CFI trades on RHEA’s NEAR DEX will share it among 10 Tradoors
Minimum swap: $100. Snapshot in 24 hours.
NB: $CFI will go live on beta.rhea.finance/ for cross-chain trading in 24 hours following the NEAR Intent listing.
Details ⤵️
ConsumerFi Protocol retweeted
It feels like the TGE is coming down the pipeline. The allocation checker is about to go live, which usually means we’re close.
I’ve already parked USDC in Kinsu and I’m earning points while we wait. Season 2 starts at TGE, so stacking early makes sense.
Playbook is simple - deposit a little for some passive yield and finish the starter quests. What do you think? Are you happy with your points generation?
ConsumerFi Protocol retweeted
With the ConsumerFi TGE right around the corner lets look at how you can get involved in szn 2 $CFI rewards
and theres something for everyone:
Beginner
∘ Deposit USDC on Kinsu (apy 8-12%)
∘ Swaps on Kinsu
∘ Complete tasks and quests
Intermediate
∘ Provide CFI liquidity
∘ Stake xCFI to boost your yields and points
Expert
∘Take part in CFI trading competitions
You can now sign up to Kinsu from the post below
ConsumerFi Protocol retweeted
It is ONLY becoming EASIER for Apps to be able to create personalized experiences in Web3.
What @ConsumerFi has been able to achieve and is rolling out with their Personal Intelligence Layer, and the building blocks behind it is a game changer.
Working with ConsumerFi to highlight this is amazing, because I genuinely believe it can revolutionize the entire dApp space.
The key thing here is protecting the user layer, while STILL giving a personalized experience.
• ConsumerGraph
Your data, encrypted, and able to be leveraged as a portable data memory.
• Private AI
What I was discussing above, having your own personalized insights without exposing your data, and still in YOUR control
• Intents Engine
A seamless way for the user to now have one-tap, non-custodial execution for earning and saving ALL On-Chain
These capabilities are already able to be integrated TODAY
• 150 MILLION+ downloads with the integrated apps
• 900k monthly active users across these apps
• 32 BILLION+ data points being processed by these apps
All of this is built with a private AI native blockchain, powered by @NEARProtocol
Now i know this may be A LOT but still understanding and seeing how clearly all of this is achieved is crucial.
Directly from their Gitbook it makes it so easy to understand HOW this is a gamechanger.
Non-Custodial by Design
No protocol layer ever takes custody of user assets:
• Layer 1: Stores metadata and preferences, never private keys or assets
• Layer 2: Reads ConsumerGraph with user permission, never accesses wallets
• Layer 3: Uses NEAR Chain Signatures (MPC) and Account Abstraction to execute user-signed intents without custody && Uses Privy Account Abstraction + NEAR Intents to execute user-signed intents
Users maintain full control through revocable permissions and intent-based signing.
Within that they utilize 4 key components
• Intent Solver Network (competitive execution via NEAR Intents)
• Cross-Chain Executor (NEAR Chain Signatures for multi-chain operations)
• Smart Routing Engine (protocol selection optimization)
• Account Abstraction (Privy for seamless onboarding and gasless transactions)
It has NEVER been this seamless, and this easy for a truly unique user by user experience on-chain.
