ConsumerFi is a protocol that returns data ownership and economic rewards to users by combining NEAR Intents, private data, and privacy-first AI.
Instead of letting the platform profit from behavioral data, ConsumerFi allows you to encrypt, control, and exploit your “digital footprint” to receive personalized suggestions and rewards directly when interacting with Web3 applications.
- A user-owned data model, private AI, and One-tap Intents create personalized experiences with transparent rewards.
- Built on NEAR: high speed, low fees, cross-chain by default, intent processing in 2–3 seconds.
- Real-world partners like PlayEmber and Myriad Markets have helped us reach hundreds of millions of downloads and active users.
What is ConsumerFi?
ConsumerFi is a Web3- based Consumer Finance protocol where behavioral data is encoded in ConsumerGraph, local AI analysis provides suggestions, and rewards are distributed based on users' actual contributions.
Unlike Web2, every action, such as earning points, trading, making predictions, or participating in campaigns, leaves a unique mark. Users can redeem points for Token, access rights, or Airdrop participation slots within the ecosystem.
What problem of the modern Internet does ConsumerFi solve?
The core issue is the value asymmetry: the platform profits from the data, but users receive virtually no Chia . The ConsenSys 2024 survey revealed that 83% of users XEM privacy as a top concern, and 78% want to control their identity while Chia the benefits of their data.
ConsumerFi reverses the model: data belongs to the creator, AI only reads the encoded context for personalization, and Intents automate execution to minimize operations and reduce on-chain friction.
"Privacy means peace of mind… you are in complete control over managing your own data."
Craig Federighi, SVP Apple, 2021, Apple Newsroom.
How is ConsumerFi different from the Web2 platform?
The key difference lies in ownership and a closed-loop reward system: interaction → better data → more accurate recommendations → user engagement → rewards increase over time.
While Web2 relies on centralized data collection, ConsumerFi builds on a user-owned data model, reducing data leaks and creating direct economic incentives for users, aligning with the personalization trend that 71% of consumers expect and 76% are frustrated by when it is not met.
Why does NEAR make ConsumerFi different?
NEAR provides “cross-chain by default” Intents, processing results in approximately 2–3 seconds and masking multi- chain complexity, making it suitable for AI agents and one-touch experiences.
Independent research notes that NEAR focuses on “chain abstraction,” TEEs for AI tasks, and Chain Signatures for signing cross- chain transactions with a single identity – very useful for Intents and automated agents.
What is user-owned data in ConsumerFi?
This is a model where the user controls the entire "digital footprint" through encrypted ConsumerGraph. The application only receives the necessary context, without accessing raw data.
This trend aligns with the vision of "users must control their data"—emphasized by many tech leaders over the past decade, especially as the centralized web increases the risk of data misuse.
"Users need to have control over their data… that's your data."
Tim Berners-Lee, co-founder of Inrupt, 2023, The Finanser (excerpt from CNBC interview).
How does ConsumerFi's Privacy-First AI work?
Private AI Engine analyzes behavior on encrypted data, avoiding the disclosure of original information. This approach aligns with the "on-device/private compute" philosophy, which is becoming the industry standard.
On NEAR, security is further enhanced by TEEs and agent interaction standards, allowing for increased personalization while preserving privacy and authenticity.
What are One-tap Intents in ConsumerFi?
It's the ability to perform Non-Custodial tasks with just one touch: earn, save, trade, swap across chain… without requiring manual chain approval.
NEAR Intents allow users or AI agents to describe the desired outcome, the solver network automatically optimizes execution, and Chain Signatures co-sign to complete the process on NEAR and the target chain in seconds.
How does ConsumerFi's Incentive Loop work?
Closed-loop incentive system: interaction generates data → AI uses data to make accurate suggestions → positive user/app experience attracts users/apps → rewards increase over time.
This model aligns with reality: when personalization is done well, satisfaction and conversion rates increase significantly, thereby sustaining both the reward budget and ecosystem growth.
Which ecosystems has ConsumerFi integrated with?
The project claims to have partnered with apps that have achieved over 150 million downloads and nearly 1 million MAU. PlayEmber—a key partner—announced 150 million downloads and 1 million MAU on its website.
In the prediction markets segment, Myriad Markets partners with Trust Wallet, reaching over 511,000 users, 7 million predictions, and surpassing 150 million in on-chain volume as of March 2025.
How does ConsumerFi support RWAs and Prediction Markets?
Users can earn points through predictions, games, or participation in DeFi campaigns related to RWAs through partnerships with Myriad Markets, PlayEmber, and integrated apps.
The market is heating up as traditional players also enter the fray, indicating a strong demand for event-based contracts – but the legal framework in each region still needs to be monitored.
"Everyone will jointly own the system… You can use that mechanism to regulate incentives and build a neutral platform."
Illia Polosukhin, Co-founder of NEAR, interviewed on WIRED in 2024.
What are the core components of the ConsumerFi model?
The four pillars are: ConsumerGraph (encrypted personal data mapping), Private AI Engine (analysis without exposing raw data), NEAR Intents (one-touch multi- chain execution), and Credit Scoring (CC Points) to convert interactions into rewards/access.
Integrated application networks such as PlayEmber, Myriad Markets, Calyx, and dApps on NEAR act as data "inputs" and reward "outputs," enabling rapid scaling to the mass market.
What is ConsumerGraph?
ConsumerGraph is a personalized, coded context repository that stores user behavior, connections, and achievements on the chain; only the owner has access.
This design offers a double benefit: the application gains informative context for personalization, while the user retains full control over the original data – a major "breakdown" compared to the centralized Web2 model.
How does Private AI Engine work?
AI reads encoded context to generate suggestions, not extract raw data. With TEEs and the agent interaction standards that NEAR pursues, the AI layer can scale more safely and transparently.
The result is a “right person, right time” experience without compromising privacy—something users increasingly expect in the age of AI.
What is the role of NEAR Intents in the ConsumerFi system?
NEAR Intents is an AI-native transaction layer where users/agents sign a payload describing the objective, the solver optimizes execution, and Chain Signatures co-sign to close cross-chain transactions in seconds.
With this experience, tasks such as swapping, transferring assets, or "earning points" become more streamlined, reducing wallet operation errors and multi- chain barriers for beginners.
What are Credit Scoring (CC Points)?
CC Points are an internal credit system, accumulated from transactions, predictions, games, or tasks within integrated dApps.
For example, a $100 transaction on Myriad can be converted into 100 CC and XP points, and also enrich ConsumerGraph.
Points can be used to redeem rewards, campaign participation rights, Airdrop slots, or to increase your multiplier if you own certain Non-Fungible Token (like Emby from PlayEmber). [oai_citation:19‡PlayEmber](https://playember.com/)
What are the notable application integrations?
PlayEmber boasts a large user base with 150 million downloads and 1 million MAU, helping ConsumerFi reach the game-to-save segment.
Myriad Markets integrates prediction markets into the web browsing experience, recording 511,000 users and over 7 million predictions in just a few quarters, opening up a rich source of "market opinion" data for ConsumerGraph.
"Blockchain and decentralization play a key Vai in increasing privacy, trust, and transparency regarding how our data is governed."
Joseph Lubin, CEO ConsenSys, 2024, Global Survey on Crypto and Web3.
What are the steps involved in the ConsumerFi operational process?
Summary of 6 steps: create account and ConsumerGraph → accumulate data and CC Points → AI provides personalized suggestions → redeem rewards/ Airdrop → synchronize with Web3 dApp → withdraw and use rewards.
Thanks to Intents, most of these tasks occur one-touch and cross-chain. Point mechanisms, Non-Fungible Token “factors,” and closed-loop rewards create repeatable incentives, increasing data quality and retaining users.
- Create a beta account and initialize ConsumerGraph.
- Accumulate credit points (CC) from trading, predictions, games, and events.
- AI provides contextually-driven suggestions, without exposing raw data.
- Exchange CC for CFI/benefits/ Airdrop Token .
- dApp integration: for example, a $100 transaction = 100 CC + XP.
- Withdraw CFI, participate in governance, or Stake when the platform opens.
Quick comparison table: Web2, ConsumerFi, and Prediction Markets
| Criteria | Traditional Web2 | Consumer | Prediction market (e.g., Myriad) |
|---|---|---|---|
| Data rights | Owned platform | User-owned (ConsumerGraph) | Users control their wallets. |
| Personalization | Centralized collection | Private AI, context-sensitive encryption. | Based on market signals |
| Execution | Multistep, close | One-tap Intents, cross-chain | Smart contracts, 24/7 |
| Award | Indirect/non- Chia | CC Points → Token/ Permissions | Predicted profit/point |
| Transparent | Limit | on-chain, verifiable | Public probability prices |
Note: Myriad has recorded >511,000 users, 7 million predictions, and 150 million on-chain volume as of December 2025, according to Trust Wallet.
Roadmap, team, investors, tokenomics, and exchange: how much has been disclosed so far?
Currently, the project has not publicly announced details of its roadmap, core members, investors, tokenomics, or exchange listings. Investors should monitor the official channels and technical documents for updates.
In the meantime, an objective assessment can be made based on the following criteria: actual integration level (PlayEmber, Myriad), progress in Intents/AI deployment, reward unlocking roadmap, and community governance mechanisms.
Who should follow ConsumerFi and what risks should they be aware of?
Suitable for users who prefer personalized features with rewards, developers who want to integrate private Intents/AI, and applications aimed at the general user.
Risks include: dependence on the legal framework, prediction markets in each country, the maturity of private AI technology, and the scalability of the reward model.
The forecasting market is booming with major players entering the fray – on the one hand validating demand, on the other hand increasing competition and compliance requirements.
ConsumerFi's official information channel
- Website: consumerfi.ai
- X (Twitter): @ConsumerFi
Frequently Asked Questions
Does ConsumerFi collect my raw data?
No. Data is encrypted within ConsumerGraph; the AI only reads the necessary context to make suggestions, aligning with the "user-owned data" trend and protecting privacy.
How fast are NEAR Intents processed, and do they support multiple chain?
Intents “cross-chain by default”, optimized by the solver and co-signed via Chain Signatures, are typically completed in about 2–3 seconds.
How do I earn CC Points?
Make transactions, predictions, play games, or complete tasks within the integrated dApp. For example, a $100 transaction on Myriad can be converted into 100 CC + XP.
Why is this model suitable for current user trends?
Because 71% of users expect personalization and 76% are frustrated when their expectations aren't met, while 83% prioritize privacy—the user-owned data model satisfies both.
Does ConsumerFi already have a partner for general consumers?
Yes. PlayEmber announced 150 million downloads and 1 million MAU; Myriad surpassed 511,000 users and 7 million predicted users, showing strong demand from mainstream users.
