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 and ConsumerFi aim to bridge 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.
Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.
You may also like
SEC Investigates Crypto Company Connected to Trump for Delayed Disclosures and Management Issues
- SEC investigates Alt5 Sigma over delayed CEO suspension disclosure and $1.5B token swap linked to Trump-backed World Liberty Financial. - Discrepancies in reporting a six-week delay in publicizing Peter Tessopoulos' suspension raise compliance concerns and triggered an 83% stock plunge. - Firm's ties to Eric Trump and $500M transfers to Trump-linked entities amplify scrutiny amid allegations of money laundering facilitation. - Executive dismissals without misconduct claims and governance turmoil highligh
Dogecoin News Today: Dogecoin ETFs Struggle to Boost Prices, Underscoring Difficulties in the Altcoin Market
- Dogecoin ETFs (BWOW, GDOG) failed to trigger price recovery, with GDOG's $1.4M day-one volume far below $12M forecasts. - Despite institutional interest in DOGE (7th-largest crypto at $22B), indirect exposure structures lack regulatory protections and face volatility risks. - Technical analysis shows DOGE forming bullish patterns near $0.15, but ETF-driven inflows remain insufficient to break $0.155 resistance. - Altcoin ETFs face uneven reception: Solana/XRP products outperformed DOGE, highlighting chal
Uruguay’s Energy Challenges Disrupt Tether’s $500 Million Cryptocurrency Investment
- Tether abruptly ended its $500M Uruguay Bitcoin mining project due to unsustainable energy costs and uncompetitive tariffs. - The project, initially promoted as eco-friendly, faced $4.8M in unpaid bills and regulatory challenges. - The exit highlights risks for crypto miners in regions with volatile energy markets and uncertain policies. - Tether remains interested in Latin American green energy projects despite the Uruguay setback.
Solana News Update: Solana Experiences Sharp Price Drop, Yet Institutional Investments Reflect Confidence in Its Future
- A $239M whale transfer on Solana by Forward Industries to Fireblocks Custody highlights institutional confidence amid SOL's 53% price drop since January 2025. - Upexi's $23M private placement and 40% stock decline underscore crypto exposure risks as institutional Solana ETF inflows hit $420M in November. - CME's Dec 15 SOL/XRP futures launch and Fidelity's staking ETFs signal growing institutional adoption despite Solana's $77.4B market cap decline. - Whale activity and ETF trends suggest strategic long-
Trending news
MoreCrypto prices
More
