ConsumerFi Litepaper

The Protocol for Intelligent Execution.

Intelligent Savings, Exponential Rewards.

1. Executive Summary

The digital economy is fragmented. Financial opportunities are complex and inaccessible, while individual expertise and digital reputation remain siloed and undervalued. The infrastructure to connect personalized context with autonomous financial action has been missing.

ConsumerFi is the Protocol for Intelligent Execution. We provide infrastructure for consumers to maximize their profitability across the decentralized landscape. The protocol enables experiences that are hyper-personalized, radically abstracted, and gamified.

This is achieved by merging two components:

ConsumerGraph: A self-sovereign "digital twin" that transforms a user’s fragmented data (financial, social, behavioral) into a verifiable record of their expertise and reputation.

Agentic Layer: A non-custodial execution engine that automates complex cross-chain actions securely, enabling seamless, intent-based transactions.

By integrating personalized intelligence (who you are) with autonomous execution (what you can do), ConsumerFi maximizes user profitability.

To bring this protocol to market and showcase its capabilities, we have developed the Interface Layer. This began with Play Ember (900K MAU), where we validated our gamification models and consumer saving behaviors. It evolved into our flagship Kinsu Savings App, which combines high-yield savings, intent-based trading, and potent gamified rewards.

2. Problem: Friction in the Age of Intelligent Finance

The convergence of DeFi and AI promises a future of autonomous finance and personalized earning. However, consumers are locked out of this future by significant friction and fragmentation:

Complexity Barriers: Decentralized finance offers superior yields, but the user experience is prohibitive. Managing bridges, gas fees, and complex protocols creates immense friction.

The Behavioral Inertia of Saving: Traditional saving is tedious. Human psychology is wired to seek the potential for outsized, life-changing rewards. Existing savings products fail to scratch this itch.

Scattered Data and Undervalued Expertise: An individual’s digital footprint–their expertise, interests, and reputation–is fragmented across platforms. This lack of a unified, verifiable digital identity prevents them from accessing personalized financial strategies and high-value earning opportunities online.

3. Solution: The Protocol for Intelligent Execution

ConsumerFi is an open, decentralized protocol with a suite of consumer applications that transform digital activity into autonomous financial growth and verifiable reputation.

Our approach is built on three pillars that define Intelligent Execution for Consumers:

Pillar 1: Abstraction and Gamification

We maximize adoption by eliminating complexity and mastering incentives. Our Interface Layer demonstrates how the protocol enables gasless, one-click operations and engaging reward loops.

Pillar 2: User-Owned Intelligence

We transform digital DNA into an asset. The ConsumerGraph is a unified, self-sovereign digital twin that aggregates diverse data sources. This verifiable profile of expertise allows the protocol to understand the user’s context, tailor execution strategies, and unlock specialized monetization opportunities.

Pillar 3: Agentic Execution

We provide the infrastructure for seamless, autonomous action. This non-custodial execution engine utilizes account abstraction and intent-based architecture. It securely automates complex financial tasks across chains, allowing applications to deliver sophisticated outcomes with one-click simplicity.

4. Why Now?

We are at a critical inflection point driven by the maturation of DeFi, the demands of the AI economy, and the convergence of critical technologies.

Demand for Intelligent Abstraction

The decentralized finance landscape has matured, but complexity alienates users. The market demands execution layers that optimize returns across the ecosystem while delivering a Web2-level user experience.

The AI Economy Needs Verifiable Context

Sophisticated AI agents require deep personal context to execute effectively on a user's behalf. Furthermore, the AI industry is shifting toward specialized models, demanding high-quality data from verified experts. The ConsumerFi protocol provides this essential context layer.

Technological Convergence

This vision is now achievable due to the maturation of key technologies:

Intent-Based Architecture and AI Agents: Enabling secure, autonomous execution by agents.

Account Abstraction (AA): Technologies like Privy AA enable seamless, Web2-style onboarding and gasless transactions.

Decentralized Infrastructure: Providing the foundation for the secure, user-controlled ConsumerGraph.

5. ConsumerFi Ecosystem

ConsumerFi is structured as a two-part ecosystem: The underlying decentralized Protocol and the Interface Layer.

5.1 ConsumerFi Protocol

A decentralized, three-layer architecture designed to enable Agentic Execution and User-Owned Intelligence, accessible for any developer.

Layer 1: Ownership

The foundation of the protocol is the ConsumerGraph–your unified, self-sovereign digital DNA.

What it is: A knowledge graph that creates a comprehensive “digital twin” optimized for AI interaction and verifiable reputation.

Robust Inputs: Users connect diverse inputs to build their profile:

• Social Graph (Twitter/X, Discord, LinkedIn)
• On-Chain Activity (60+ EVM chains, Solana, NEAR)
• Reputation Scores (e.g., Ethos)
• Behavioral Data (Prediction markets, sentiment analysis)
• Traditional Finance (Brokerage, banking)

Why it matters: You own your ConsumerGraph. It allows users to verifiably prove expertise and context without revealing underlying account details.

Layer 2: Intelligence

This layer functions as the AI brain reasoning over the ConsumerGraph.

What it is: Utilizes Agentic GraphRAG. AI agents autonomously traverse the ConsumerGraph to understand the user's context, preferences, and expertise.

ConsumerGraph API: Developers can integrate with a single API call to access user-permissioned data, instantly inheriting years of hyper-personalized context for their applications.

Layer 3: Execution

The "Do-It-For-Me" layer where insights are translated into results.

What it is: Infrastructure to securely execute tasks on a user’s behalf across any smart contract on any chain.

Non-Custodial Security: ConsumerFi solves custody risk and cross-chain complexity:

• Account Abstraction (Privy): Enables seamless onboarding and non-custodial multi-chain account management.
• NEAR Protocol Intents: Users sign a desired outcome (e.g., "Save $100"), not a complex transaction path.
• Chain Signatures: Allows a single key to authorize transactions across multiple blockchains without bridging assets.

Open Infrastructure: Accessible to any developer to build sophisticated, intent-based applications and Web3 agents.

5.2 Interface Layer (The Applications)

The Interface Layer brings the protocol to consumers and demonstrates its capabilities. Our application strategy evolved based on direct user feedback:

Foundation: Play Ember: Gamified micro-tasks in mobile applications (800K MAU). This validated our incentive models and revealed a key insight: over 30% of users elected to SAVE their earnings when given the option.

Flagship Product: Kinsu Savings App

A standalone application designed to maximize earnings through intelligent execution and gamified rewards. Save like a bank, earn like a degen.

It is structured around three interconnected pillars:

Save: One-click deposits from any chain. The Agentic Layer automatically routes assets to high-yield, auto-compounding protocols.

Swap: An intents-based swapping interface powered by the Agentic Layer.

Spin: A "Spin the Wheel" system offering variable, life-changing rewards. Users earn Spins through TVL and Swap Volume.

Interface for Intelligence

The Kinsu app for users to build, manage, and monetize their digital DNA. This allows users to connect data sources to the ConsumerGraph (L1), enabling them to verify their expertise, personalize their experience, and unlock targeted earning opportunities.

6. Use Cases & Value Creation

ConsumerFi unlocks a new economy centered around intelligent execution and personalized rewards. The Savings App serves as the primary demonstration of the underlying protocol, inviting developers and partners to utilize the same infrastructure.

1. Immediate Use Case: Intelligent Finance

The Savings App is the primary use case, providing consumers with a radically simplified way to access the best of DeFi yields, optimized through gamification to maximize engagement and retention.

2. Open Infrastructure for Developers

The protocol is designed to be the foundational layer for the next generation of decentralized applications.

Building with the ConsumerGraph (L1/L2): Developers can utilize the ConsumerGraph API to instantly personalize their AI applications, recommendation engines, or financial products using user-consented data, eliminating the cold-start problem.

Building with the Agentic Layer (L3): Developers can leverage the intents-based execution engine to build sophisticated on-chain applications without managing cross-chain infrastructure or custody, focusing purely on execution logic.

3. Unlocking the Intelligence Economy (Future Potential)

By establishing a robust framework for User-Owned Intelligence, the ConsumerGraph enables a broader range of sophisticated use cases where verifiable expertise is valuable. This strengthens our overall narrative by demonstrating the power of the underlying infrastructure.

Verified Expertise for the AI Economy: The ConsumerGraph provides the verifiable credentials necessary for high-value AI data labeling and RLHF. Crowdsourcing platforms can utilize the protocol to identify where a user's strengths, experiences, and behaviors align, accessing specialized experts (SMEs) rather than relying on mass unskilled labor.

Hyper-Personalization and Ad Tech: Delivering highly targeted, user-consented advertising opportunities where users are compensated directly for their attention.

Direct Intelligence Monetization: Users can "rent" their intelligence. Developers submit privacy-preserved queries to the network, compensating users in $CFI.

7. Go-to-Market & Distribution

ConsumerFi employs a strategic GTM approach that leverages our flagship consumer application to bootstrap the protocol's network effects.

SDK Bootstrap Strategy

Our foundational consumer incentive model has been validated through SDKs integrated across apps totaling:

• 150M+ App Downloads
• 900K Monthly Active Users

Kinsu Savings App GTM

The Savings App launch targets two distinct segments:

Phase 1 (Pre-TGE): DeFi Natives. Focus on maximizing "Points" for the $CFI airdrop. Key drivers include saving vaults, high-volume Swaps for Points acceleration and Competitive Leaderboards.

Phase 2 (Post-TGE): Mainstream Consumers. The UI pivots to a lifestyle-oriented experience, emphasizing simplicity. Features include fiat on-ramps, Membership Tiers (status symbols), and a Wheel offering cash and lifestyle prizes.

Developer Adoption

The Agentic Layer (L3) and the ConsumerGraph API (L2) are designed to attract developers. By abstracting blockchain complexity and providing instant personalization, we enable them to build sophisticated Web3 agents and intent-based applications with minimal friction.

8. Token Economics

The ConsumerFi ecosystem is powered by $CFI, the native protocol token designed to coordinate, incentivize, and capture the value generated by the network.

$CFI Economic Flywheel

Demand for the Savings App (TVL, Swap Volume) and utilization of the protocol infrastructure drives $CFI revenue. This revenue rewards users, incentivizing engagement and richer data contributions to the ConsumerGraph. Better personalization and execution increase demand, reinforcing the flywheel.

Token Utility

Demand for $CFI is driven by the utilization of the ecosystem's applications and infrastructure.

Kinsu Savings App Utilization:

• Swap Fees: A percentage of the volume from the intents-based Swap interface.
• In-App Purchases (IAP): Revenue generated from purchasing additional Spins.
• Membership Tiers (Phase 2): Subscription revenue for premium tiers (boosted APY, multipliers).

Protocol Infrastructure Utilization:

• Agentic Execution Fees (L3): Fees apply when agents utilize the non-custodial infrastructure.
• ConsumerGraph API Access (L2): Developers pay $CFI to utilize the API for hyper-personalization.
• Intelligence Monetization: Businesses pay $CFI to submit privacy-preserved queries or access verified user credentials.

Seamless Access, Direct Demand

The ecosystem is designed for accessibility. All fees can be paid in fiat or crypto. Regardless of the payment method, a routing contract automatically converts payments into CFI, ensuring all economic activity directly benefits the token.

Value Accrual

Value accrual is programmatic and directly linked to protocol revenue. The initial policy for net revenue distribution is designed for sustainability and deflation:

• 50% Deflation (Buyback and Burn): 50% of all net revenue is used to buy back CFI on the open market and permanently burn it.
• 50% Protocol Treasury: 50% is allocated to fund ongoing development and ecosystem growth.

(Note: Detailed token distribution and emission rates are provided in the full Tokenomics paper.)

9. Privacy, Security, and Ownership

In an ecosystem designed to handle financial assets and sensitive user intelligence, trust is paramount.

Non-Custodial Architecture: The ConsumerFi Savings App is non-custodial. The Agentic Layer utilizes Intents and Chain Signatures, allowing agents to execute transactions without ever taking custody of user funds.

Self-Sovereign Storage: ConsumerGraph utilizes decentralized storage networks, and data is encrypted at rest. Users hold the encryption keys; the protocol cannot access the raw data without explicit permission.

Privacy-Preserving Computation: When facilitating monetization opportunities, the protocol employs advanced cryptographic techniques, including Zero-Knowledge Proofs (ZKPs), to verify credentials without revealing the underlying data.

10. Risks and Challenges

ConsumerFi operates at the frontier of consumer fintech, AI, and decentralized technology.

Technical Risks: The Savings App aggregates yield from third-party DeFi protocols. While rigorous vetting is employed, the risk of smart contract exploits in underlying protocols remains. Scaling the ConsumerGraph in a decentralized manner is also a significant engineering challenge.

Adoption Risks: Shifting from DeFi natives to mainstream consumers requires overcoming generalized skepticism toward crypto and demonstrating clear value over traditional FinTech.

Regulatory Risks: Navigating global compliance requirements for savings and rewards products is an ongoing challenge.

11. Conclusion

The future of the digital economy hinges on the convergence of intelligent finance and personalized, user-owned data. The era of centralized exploitation and fragmented digital identity is ending.

ConsumerFi provides the critical infrastructure for this transition. We are building the essential protocol for Intelligent Execution, maximizing consumer profitability in the age of AI.

Join the Movement

For Users: Experience the future of intelligent savings and exponential rewards through the ConsumerFi Interface Layer.

For Developers: Build the next generation of intent-based applications and personalized AI agents using the ConsumerFi Protocol.

12. Disclaimer

PLEASE READ THE ENTIRETY OF THIS “DISCLAIMER” SECTION CAREFULLY. NOTHING HEREIN CONSTITUTES LEGAL, FINANCIAL, BUSINESS OR TAX ADVICE AND YOU SHOULD CONSULT YOUR OWN LEGAL, FINANCIAL, TAX OR OTHER PROFESSIONAL ADVISOR(S) BEFORE ENGAGING IN ANY ACTIVITY IN CONNECTION HEREWITH. NEITHER FLAME FOUNDATION, ANY OF THE PROJECT TEAM MEMBERS WHO HAVE WORKED WITH THE FLAME FOUNDATION OR PROJECT TO DEVELOP THE CONSUMERFI PROTOCOL IN ANY WAY WHATSOEVER, ANY DISTRIBUTOR/VENDOR OF CFI TOKENS (THE DISTRIBUTOR), NOR ANY SERVICE PROVIDER SHALL BE LIABLE FOR ANY KIND OF DIRECT OR INDIRECT DAMAGE OR LOSS WHATSOEVER WHICH YOU MAY SUFFER IN CONNECTION WITH ACCESSING THIS LITEPAPER, THIS WEBSITE OR ANY OTHER WEBSITES OR MATERIALS PUBLISHED BY THE FOUNDATION.