INFINIT — The Project Driving Real Demand for X402

Key Takeaways

• The recent resurgence of the AI × Crypto narrative is largely driven by Coinbase and Cloudflare’s introduction of the x402 payment standard, which lays the groundwork for economic interactions between AI agents. By enabling payments to occur directly at the web layer, x402 positions blockchain as the foundational infrastructure for the emerging agent economy. Within this context, INFINIT stands out as a project capable of generating real demand for x402 by leveraging its agent-based infrastructure to automate complex DeFi processes and make them accessible to everyday users.

• However, INFINIT’s challenge lies not only in simplifying DeFi but in addressing the structural issue of security. Recent incidents such as the Stream Finance and Balancer V2 hacks have highlighted how deeply interconnected DeFi protocols can amplify systemic risks. INFINIT acknowledges this and seeks to minimize potential vulnerabilities through phased product launches, limiting user-generated strategies to pre-verified agents, deterministic prompt-to-action conversion, cross-agent validation, multi-oracle feeds, and bundled execution processes.

• Ultimately, INFINIT’s long-term success depends on whether AI can simplify complexity while ensuring stability and trust, thereby driving the broader democratization of finance. If INFINIT succeeds in establishing itself as the core infrastructure for agent-driven finance, it could enable users to engage with DeFi effortlessly—“without needing to understand it”—while simultaneously accelerating real-world adoption of x402 and advancing the structural growth of the crypto economy.

Lately, the “Crypto × AI” theme has been heating up again. The catalyst is Coinbase’s x402—an agent payment standard announced in collaboration with Cloudflare. With major AI companies like OpenAI, Anthropic, and Google all releasing agent-centric models, the role of agents will only expand from here. In tandem, the infrastructure that enables these agents to transact will emerge—and the fact that this is likely to be blockchain-based is a highly consequential development for the crypto industry.

Until now, the “intersection of crypto and AI” has mostly been discussed in abstract terms. Post-x402, however, we can expect far more visible use cases and a concrete demonstration of blockchain’s advantages as economic infrastructure.

Of course, x402 alone doesn’t complete the picture. By definition, x402 is a payments primitive that enables agent-to-agent settlement; the formation of an actual agent marketplace that can use those payments is a separate challenge. Ultimately, to generate demand for x402, we need a proliferation of agent-based crypto services in the wild.

In that sense, I’m focusing on INFINIT. Put simply, INFINIT is building an agentic DeFi ecosystem. By allowing AI agents to streamline the complex transactions users previously had to execute manually, INFINIT aims to lower the barriers to DeFi and open more opportunities to mainstream users. If projects like INFINIT proliferate, they can create real demand for x402—and INFINIT itself could leverage x402 to meaningfully reduce its own costs. With countless x402-adjacent tokens trading like memecoins right now, I wanted to identify projects that would be actual beneficiaries of x402—and INFINIT stood out.

Accordingly, this piece will first explain what INFINIT is, then examine how it can both (1) generate tangible demand for x402 and (2) reduce its own operating costs by integrating x402.

1. First things First: What is x402 btw?

Source: coinbase

The x402 standard was born from a core insight: as the internet economy becomes the mainstream economy, the corresponding payment infrastructure must evolve as well. In particular, as we move into an era where the primary actors in payments are not humans but AI agents, it has become increasingly difficult for traditional payment systems to handle such interactions effectively.

To address this, x402 activates the HTTP status code 402: Payment Required, enabling payments for web resources (such as webpages or APIs) to be processed directly at the HTTP layer. This design allows even the smallest transactions to be handled instantly and seamlessly, serving as a next-generation payment infrastructure for the agent-driven internet.

Once x402 becomes widely adopted, agent-to-agent payments will be executable in real time. Moreover, the underlying cost model will shift from subscription-based systems to usage-based (pay-per-use) billing, while automated API call monetization will also become possible.

1.1 Yet, Even x402 Is Being Reduced to a Mere Buzzword

In my view, x402 has a very high likelihood of being adopted by various services in the near future. However, as is often the case in the crypto market, the flood of x402-related tokens and hype currently emerging tends to emphasize meme-driven speculation rather than genuine use cases. Instead of building real utility, the narrative has largely devolved into a buzzword-fueled trading frenzy.

Source: Amir Ormu

In reality, tokens associated with x402 have recently shown extreme volatility. On Crypto Twitter, countless users are eagerly shilling their meme coins or x402-related tokens under slogans like “This isn’t just a narrative, it’s innovation.” However, most of these efforts have only resulted in sharp price drops. This pattern has become so common and predictable that the hype cycle itself is getting shorter and shorter. In fact, looking at the current price movements of x402-related tokens, their upward momentum barely lasts even three days.

Of course, it’s undeniable that this industry is accustomed to monetizing attention and trading it as an asset. Yet, it feels like a missed opportunity to dismiss x402 as just another buzzword created for token minting. From my perspective, x402 contains genuine elements of real innovation. However, to truly understand that innovation, we first need to consider where the actual demand for x402 will emerge and which services could directly benefit from it. That’s what led me to think of INFINIT.

2. Could INFINIT Benefit from x402?

When Crypto Twitter was flooded with discussions and ticker symbols about which tokens would benefit the most from x402, none of the mentioned projects resonated with me. Instead, from a researcher’s standpoint, I wanted to think about which project would use x402 the most over the long term and potentially reduce operational costs through it. The one that came to mind was INFINIT.

2.1 What is INFINIT in the first place?

source: INFINIT

Why did INFINIT come to mind first?

The reason is that INFINIT is one of the few crypto projects that actively utilize agents, and more importantly, the area in which they apply these agents is DeFi—a sector that has already found product-market fit (PMF) within the crypto industry—thus, it is capable of generating sufficient real demand.

INFINIT began from the realization that “ordinary people can never fully utilize DeFi in its current form.” In reality, DeFi offers a wide range of opportunities compared to traditional finance, but “finance” as a concept has never been truly approachable to the general public (which is precisely why we still pay large fees for financial institutions to manage our financial activities). Especially in the case of DeFi, since it requires both financial and technical literacy, it remains difficult for everyday users to fully take advantage of its potential. INFINIT aims to lower this barrier to entry through agents.

Imagine if an agent could analyze a user’s portfolio, investment goals, and risk profile—then integrate on-chain and off-chain data to recommend and execute customized DeFi strategies for each individual. If this were possible, more capital would flow into DeFi, and the crypto economy as a whole would enjoy far greater liquidity. INFINIT is working toward this very goal through a variety of products, which are introduced below.

2.1.1 INFINIT’s Main Products

1. AI Agent Infrastructure

The AI Agent Infrastructure serves as the core technological foundation that powers INFINIT, and it is composed of three primary layers.

The first layer is the Agent Swarm, which, as the name suggests, is a collective of DeFi agents specialized in specific protocols or tasks. These agents collaborate and reason together, enabling the seamless execution of even highly complex DeFi strategies.

The second layer is the Multi-Large Language Model. INFINIT leverages multiple existing LLMs and automatically selects the model best suited to each user query. This ensures that natural language instructions from users are interpreted accurately and translated smoothly into executable strategies.

Finally, there is the Data Stream layer. INFINIT continuously aggregates real-time data from over 100 different sources, encompassing both on-chain and off-chain information. This allows INFINIT to formulate highly sophisticated DeFi strategies grounded in the most up-to-date market and protocol data.

1. INFINIT Intelligence

INFINIT Intelligence is a product designed with a user interface that feels familiar to anyone who has used language models like ChatGPT or Gemini. Through INFINIT Intelligence, users can gain a wide range of insights related to crypto. At first glance, it may seem similar to Surf, which offers LLM-based services specialized for crypto, but INFINIT Intelligence is more narrowly focused on DeFi. Its key advantage lies in its ability to deliver personalized strategies tailored to each user’s preferences and behavior.

In other words, while it may have certain limitations as a general-purpose crypto research tool, it functions extremely efficiently for exploring DeFi strategies or analyzing token swap routes. Because it recommends strategies that match the user’s individual profile, INFINIT Intelligence provides a far more personalized and optimized experience than traditional crypto research tools—an advantage that could translate into strong user demand in the market.

1. INFINIT Strategies

INFINIT Strategies is essentially the flagship product that represents the core identity of the entire INFINIT platform. When people think of INFINIT, they often imagine “a platform that allows users to execute complex DeFi strategies with just one click,” and that is indeed the direction INFINIT strives for.

The strategies executed through INFINIT Strategies are not confined to a single ecosystem—they operate across multiple chains. Every DeFi activity performed by agents on behalf of users is transparently disclosed, and since all processes are conducted in a non-custodial manner, security risks are relatively minimized.

Moreover, INFINIT plans to gradually integrate more chains and ecosystems, which means that over time, it will be able to implement an increasingly diverse array of DeFi strategies across different environments.

1. Prompt-to-DeFi

Source: INFINIT

For INFINIT to succeed as a product, a wide variety of successful strategies must be created. The challenge, however, is that many so-called “DeFi experts” — those deeply familiar with DeFi — often lack the ability to develop sophisticated strategies through coding. Most DeFi KOLs we know are practitioners who experiment with and use various DeFi products themselves, not developers capable of building these into structured products. This is precisely why the Prompt-to-DeFi service is so important.

The Prompt-to-DeFi service allows anyone to describe their strategy in natural language — without any coding — and INFINIT’s agent infrastructure automatically translates that description into an executable DeFi strategy. This enables DeFi experts to share their own strategies with regular users and generate additional revenue, while DeFi protocols benefit as well: instead of relying solely on KOL-driven marketing, they can now lower the entry barriers for general users to actually use their products. In this way, Prompt-to-DeFi brings the industry one step closer to the true mass adoption of DeFi.

2.2 INFINIT Metrics and x402 Demand

As shown in INFINIT’s product lineup, the project stands to benefit from x402 in both directions.

First, INFINIT already operates a suite of DeFi-specialized agents (as mentioned earlier with the Agent Swarm example), and these agents could leverage x402 when communicating with external agents. The reverse is also true — when external agents attempt to interact with INFINIT’s agents, those transactions could likewise be facilitated through x402.

Of course, x402 itself is still in its early, experimental phase, and there are inherent risks to adopting it broadly. However, if the x402 infrastructure matures and INFINIT successfully integrates it, the protocol could enjoy significant advantages, starting with its cost structure — a reduction in transactional and operational expenses that could strengthen its overall economic model.

2.2.1 How much cost could x402 save?

There is currently no public data showing how frequently INFINIT’s agents communicate with external agents, but according to the team, around 20% of INFINIT’s total expenditures go toward external agents and external data sources. This cost most likely originates from the data stream component mentioned earlier — and as INFINIT’s service scope expands, this expense will naturally scale in proportion.

As I’ve noted before, the reason x402 is so important for agent-based platforms is because it enables micropayments. This not only allows for substantial cost reductions on the protocol side, but also improves transaction speed and settlement efficiency. In other words, integrating x402 could help INFINIT achieve both lower operational costs and a smoother, more responsive user experience within its products.

2.2.2 INFINIT already had a plan: INFINIT’s Google A2A Integration

Source: Google Cloud

The advantages that x402 offers also extend to INFINIT’s recently announced partnership with

Google. As Google’s A2A protocol already integrates x402 as its native payment layer, INFINIT’s collaboration with Google effectively opens a direct gateway into the broader Google ecosystem. This integration is more than just technical — it establishes an

entry point for INFINIT’s DeFi agents to interact with Google’s massive developer network.

In doing so, INFINIT is positioned to become one of the most active platforms leveraging x402, gaining a structural advantage by redefining payments not as isolated transactions, but as autonomous, API-level interactions.

Meanwhile, Google recently introduced AP2 (Agent Payments Protocol) — an extension of A2A. AP2 is a new commercial standard supported by over 60 global partners, including Amex, Mastercard, PayPal, Coinbase, and Revolut, designed to enable agents to autonomously conduct payments, reservations, and financial tasks. In short, while A2A standardizes interoperability among agents, AP2 builds upon it to establish a truly autonomous payment infrastructure.

INFINIT aims to provide a fully compatible DeFi infrastructure layer within this AP2 ecosystem — not just for handling payments, but for enabling agents to manage capital, optimize liquidity, and execute yield strategies autonomously. In other words, if x402 redefines the language of payments on the web and AP2 expands that payment network into a global commercial framework, INFINIT operates on top of that stack as the intelligence layer — where capital moves and manages itself.

From this perspective, INFINIT stands out as one of the protocols most likely to benefit long-term from the evolution and adoption of x402, given its alignment with agent-based financial automation and its direct integration into Google’s emerging agentic infrastructure.

2.3 Strategies Offered by INFINIT

Source: INFINIT

While researching INFINIT, I also explored the wide range of strategies currently offered on the platform. INFINIT doesn’t just focus on traditional DeFi strategies — it also covers Point Farming and Airdrop Farming strategies extensively. By clicking on each strategy, users can view its APY, strategy overview, execution prompt, and even their own usage history. Furthermore, each strategy transparently discloses which chains and assets it operates on and the exact execution route, allowing users to intuitively understand how each strategy is structured.

INFINIT’s product is particularly useful for newcomers to on-chain farming. For beginners, even depositing assets across different chains can be challenging, and once they enter the ecosystem, it’s extremely difficult to analyze and evaluate countless DeFi protocols and airdrop opportunities on their own. While INFINIT’s curation may not be perfect, the team designs strategies centered around relatively well-audited and proven protocols, making it a much more practical and efficient option for users unfamiliar with DeFi compared to attempting manual on-chain farming themselves.

Currently, INFINIT supports a range of blockchains including Ethereum, BNB, Solana, Arbitrum, Base, Optimism, Mantle, Sonic, Berachain, Monad, and Plasma — with a primary focus on EVM-compatible networks. However, by also supporting Solana, INFINIT demonstrates that it is not limited solely to the EVM ecosystem, aiming instead for broader interoperability across major blockchain environments.

2.3 INFINIT’s Business Model and Future Roadmap

2.3.1 INFINIT Ultimately Runs on Fees

INFINIT’s business model ultimately revolves around fees. The more complex a strategy is, the higher the fee rate becomes — currently ranging between 0.2% and 0.5%. What’s particularly interesting is that INFINIT doesn’t create every strategy itself. Instead, DeFi experts can design and launch their own strategies on the platform, meaning on-chain farming veterans can generate additional income by publishing their custom strategies through INFINIT.

At present, INFINIT is prioritizing user acquisition, so no fees are being charged regardless of which strategies users employ. However, once the platform enters a more mature commercialization stage, INFINIT will likely gradually activate its fee model to strengthen its protocol-level revenue base.

In short, for users who want to leverage INFINIT’s strategies, now may be the best time to do so before fees are implemented.

2.3.2 Beyond DeFi — Toward Agentic Finance

Right now, INFINIT allows users to execute a variety of strategies with a single click, but the project’s ultimate vision is to become the core infrastructure for agent-based financial systems. While it currently operates within the DeFi (decentralized finance) space, the long-term goal is to extend the same infrastructure and interface into traditional finance, creating an integrated platform that bridges both worlds.

If INFINIT successfully executes this roadmap, users will gain access to financial opportunities that were previously out of reach, as well as potential arbitrage opportunities between decentralized and traditional finance — all executed autonomously by agents.

Given INFINIT’s recent partnership with Google and its growing collaborations with global fintech players, this vision doesn’t seem far-fetched. In fact, INFINIT’s trajectory increasingly suggests that it could become a foundational layer for the future of agentic finance.

3. The Use Cases of $IN and Suggestions

We have examined how INFINIT operates and why it stands to be one of the biggest beneficiaries of initiatives like x402. There’s no doubt that INFINIT is a highly intriguing project, but for it to gain broader recognition and establish itself in the market, the INFINIT token ($IN) must be meaningfully tied to the value of its core products.

Accordingly, I will analyze the concrete utilities of $IN and suggest a few directions INFINIT could take in its future tokenomics design.

3.1 Adopting a Fee Buyback & Burn Model

The $IN token, serving as both a governance and utility token, already has a relatively clear purpose. According to INFINIT’s official documentation, users who stake $IN can not only earn a portion of the platform’s protocol fees, but also receive discounts on product usage fees, gain early access to new products and features, and obtain exclusive access to strategies from prominent DeFi KOLs and experts — effectively positioning $IN as a multi-utility token within the ecosystem.

Of course, governance rights are also part of its utility. However, for those who are familiar with how ineffective and ceremonial governance mechanisms often are across most Web3 projects, $IN’s governance appeal may not be particularly strong (a topic I’ll discuss further in the next section).

In my view, the core value of $IN lies in the fact that stakers receive a share of the platform’s fee revenue. Naturally, sustained buy pressure for $IN will depend entirely on investors’ belief in INFINIT’s long-term growth and profitability.

That said, one limitation is that INFINIT does not currently employ a “buyback and burn” model. Projects that have succeeded in generating strong, organic demand for their tokens — such as $HYPE and $PUMP — tend to use a portion of their protocol revenue to repurchase and burn their own tokens instead of directly distributing revenue to stakers. This model has been positively received by the market, as it reduces circulating supply and creates direct upward price pressure on the token.

For this reason, INFINIT may consider incorporating a complementary buyback-and-burn mechanism in future tokenomics iterations to strengthen $IN’s long-term value capture. Naturally, this would make the most sense after the platform’s fee model is fully operational and generating consistent revenue.

3.2 Can INFINIT’s Governance Actually Work?

Let’s be honest — governance in crypto is often a meme. Most DAO structures are either performative or plagued by inefficiency, and INFINIT’s governance may not be immune to the same fate. However, if INFINIT’s products gain substantial adoption and real usage, the situation could change entirely. Widespread usage implies a living, breathing ecosystem, which in turn gives its governance structure real, functional relevance.

Starting in 2026, $IN stakers will participate in decision-making processes that determine which strategies are officially adopted by the platform. This means that as INFINIT’s strategy layer attracts more users, DeFi experts may start competing to secure stakers’ voting power in order to have their own strategies integrated into the platform. In such a scenario, we could even see the rise of a “Strategy Governance Market” — a new form of economic coordination that doesn’t yet exist elsewhere in crypto.

Of course, all of this hinges on a crucial condition: INFINIT’s product must first prove to be genuinely useful and gain widespread adoption. Until that happens, these possibilities remain theoretical. For now, it’s worth simply observing whether INFINIT’s governance design will evolve into a meaningful new model — or fade as just another experiment in Web3.

3.3 Is INFINIT Truly Safe?

Source: Cbb0fe

INFINIT is an interesting product because it simplifies the single biggest barrier that’s kept users from using DeFi protocols up until now: complexity. By doing so, it can expose many more people to a wider variety of DeFi products. But that convenience can also be a double-edged sword. Even putting aside the stability of INFINIT’s agent infrastructure itself, many DeFi services today are inherently risky.

Looking at the market, just in November we’ve seen a string of DeFi protocols exposed to hacks and asset-management failures. Because DeFi protocols are often tightly interwoven, problems at Stream Finance and Balancer V2 have propagated risk across other projects. In particular, Stream Finance was publicly promoted by a number of DeFi KOLs, which has raised questions about the actual expertise behind those influencers. In that environment, can we really call INFINIT “safe”?

This is exactly why INFINIT must invest heavily in vetting and due diligence for each protocol it supports. INFINIT’s core users are likely to be people who “don’t really know DeFi” and have avoided using it because it’s too complicated. INFINIT recognizes these risks, and the company says it will roll out its suite of products gradually rather than all at once. For now, the INFINIT team builds DeFi strategies in-house. When Prompt-to-DeFi launches, users will only be able to generate strategies that rely on DeFi agents already supported by INFINIT—i.e., strategies must be built within an already-validated set of protocols. Finally, Prompt-to-DeFi itself will launch in phases: in Phase 1, strategies created by external users cannot be published publicly, ensuring that only vetted strategies are exposed to the broader user base.

Even putting the baseline risk profile of DeFi aside, the proliferation of strategies can expose users to unintended dangers (AI hallucinations, oracle failures, multi-step vulnerabilities). To mitigate hallucination risk, INFINIT converts user prompts into executable actions using a deterministic process that blocks unpredictable outputs, and it applies cross-agent verification to filter out errors as much as possible.

For oracle risk, INFINIT ingests data from multiple sources to reduce reliance on any single feed. For vulnerabilities that arise across multiple steps, the platform favors bundling operations where possible to minimize intermediate failure points. These measures don’t make INFINIT 100% safe, of course, but the company is clearly focused on reducing the attack surface so users can engage with DeFi strategies as safely as possible.

4. Before the Mass Adoption of Crypto Comes the Mass Adoption of Finance — INFINIT’s Role

At the heart of crypto lies DeFi, and at the heart of DeFi lies finance. Although many builders are working tirelessly to create non-financial use cases, crypto’s core nature — tokenization — means that finance and crypto will never truly be separated. If finance remains crypto’s foundation, it’s only natural that mass adoption has been so difficult. Most people have never truly understood finance in the first place. Finance is complicated — that’s why fund managers and other financial experts manage people’s assets on their behalf and earn fees for doing so. When you add technology on top of that, crypto becomes even more inaccessible to the general public. Unless this fundamental issue of complexity is solved, mass adoption of crypto will remain impossible.

This is why we should pay attention to agents. Imagine a world where you retain full control over your assets, but an AI agent — trained on the expertise of financial professionals — manages those assets on your behalf. In such a scenario, many more people would feel comfortable bringing their capital on-chain. In my view, that moment would mark the true beginning of crypto’s mass adoption. Ultimately, for adoption to happen, it must become something people can do “without needing to understand it.”

So what is INFINIT’s role in this vision? If INFINIT succeeds in realizing its roadmap and establishing itself as the core infrastructure of agentic finance, it could become one of the leading projects driving crypto’s mass adoption. Of course, there’s still a long way to go. INFINIT’s products are still evolving, and the broader ecosystem — including protocols like x402 — remains in its early, experimental phase. Security and trust will inevitably be major challenges. Yet, that doesn’t make the direction wrong.

In the end, I believe the only truly productive intersection between AI and crypto lies in using AI as a tool to simplify the inherent complexity of blockchain and crypto. INFINIT is one of the few teams building directly along that line — and that alone makes it a project worth following closely in the years ahead.