How AI and user-owned data are redefining personal finance

Smart new projects are uniting AI, DeFi, and user-owned data to redefine how people earn, save, and invest in the digital age.

AI is everywhere, from creating ads and writing code to making recipes. Now, it has even begun to influence how people spend, save, and invest. As this new AI-driven trend takes the world by storm, a new generation of finance projects has emerged that are making use of AI’s advanced capabilities. These ventures are reinventing what personal finance can look like.

One such collaborative effort is that between the multichain token launchpad Calyx and the decentralized information protocol ConsumerFi. Calyx is officially launching its second token sale with ConsumerFi. This next-generation consumer finance protocol bridges decentralized finance with AI and real-world data, enabling individuals to monetize their digital activity while maintaining privacy. 

ConsumerFi is building the personal intelligence layer for decentralized apps and AI agents, turning fragmented consumer data into private, user-owned insights. Built with NEAR AI and NEAR Intents, it helps users control their data, generate personalized financial insights, and earn rewards from their online activity. Already live at scale through SDK integrations, ConsumerFi powers over 150 million app downloads, 900k monthly users, and 32B data points. 

At its core is the ConsumerGraph, an encrypted and portable data memory, users can leverage AI to transform everyday interactions into opportunities to earn, save, and share value without ever exposing their personal data. 

NEAR AI processes that data privately, generating personalized insights without exposing personal information. Then, NEAR Intents executes each action, from earning to investing, in one tap, across multiple chains, non-custodially. Then, when data or activity creates value, a share of the revenue is earned. 

The CFI public sale begins on November 13 on Calyx, offering 25 million tokens (2.5% of its total 1 billion supply) to participants across Ethereum, BNB Chain, Base, Solana, Polygon, Bitcoin and many more.

This token sale represents the convergence of AI, DeFi and user-owned data, a thesis backed by major investors including Animoca Brands, Morningstar Ventures, Cypher Capital, Shima Capital and NEAR Foundation.