WeFi Ecosystem

Explore the WeFi Ecosystem

WeFi's six components share WFI rewards, fee mechanics, and onchain state on WeChain. Together they form the complete deobanking infrastructure.

WeFi ecosystem overview showing card, ITO mining, WFI token, Energy, and WeChain components
This website is an independent informational resource. For official information, please visit: wefi.co

What is the WeFi ecosystem

How WeFi's Six Components Connect

WeFi's deobanking ecosystem combines six components into a single integrated platform. In 2026, the platform runs on WeChain with MPC self-custody, AI-driven credit scoring, cloud-based mining, and a payment card that connects to global payment networks. No component works in isolation. They share state, rewards, and fee mechanics through WFI and Energy.

The WFI token connects every layer: it powers fee reduction through Energy, acts as gas on WeChain, serves as collateral in the Decentralized Credit System, and is the reward currency that ITO Mining software distributes. Spending on the WeFi Card builds mining capacity through Spending-as-Mining. Tier subscriptions route monthly fees into new Mining Nodes through Subscription Compounding. Every event records on WeChain.

153

Jurisdictions

140M+

Merchants

1B fixed

WFI supply

8 years

Mining schedule

Platform

Deobanking

  • ·Self-custody via MPC wallets for 7,000+ assets
  • ·Financial services via regulated partners
  • ·Operational in 153 jurisdictions
  • ·AI behavioral credit scoring layer

Learn more ->

Deobanking

Card Product

WeFi Card

  • ·Virtual, Plastic, and Metal tiers
  • ·1.5% fee with Energy / 3% without
  • ·0% FX on supported currencies
  • ·Accepted at 140M+ merchants worldwide
WeFi Card

Learn more ->

Software

ITO Mining

  • ·Software product in $WFI algorithmic distribution
  • ·8-year emission schedule with programmatic halvings
  • ·No hardware required, cloud-based
  • ·Each unit participates in daily token distribution
ITO Mining

Learn more ->

Utility Token

$WFI Token

  • ·Fixed supply of 1 billion tokens, no inflation
  • ·Powers card fee reduction via Energy
  • ·Native gas token on WeChain L1
  • ·Unlocks ecosystem features and tier access
$WFI Token

Learn more ->

Loyalty System

Energy

  • ·Earn by holding $WFI tokens
  • ·Reduces card fee from 3% to 1.5%
  • ·Non-volatile programmatic pricing
Energy

Learn more ->

Layer-1 Blockchain

WeChain

  • ·Built on Cosmos SDK
  • ·Powers on-chain mining, dApps, and payments
  • ·Foundation for WeFi's AI-driven fintech agents
WeChain

Learn more ->

Learn the mechanics

WeFi Components Explained

Deobanking Platform

Self-custody accounts, MPC wallets, and financial services without a legacy bank.

Read ->

WeFi Card

Physical and virtual card that connects to global payment networks. Spending-as-Mining activates on every transaction.

Read ->

Cloud-Based Mining

Software product in WFI distribution. No hardware needed. Daily rewards post to WeChain.

Read ->

ITO Mining Units

Software infrastructure in the 8-year WFI emission schedule with programmatic halvings.

Read ->

Energy System

Loyalty mechanism that reduces card fees from 3% to 1.5% using WFI token balance.

Read ->

WeChain

Cosmos SDK L1 blockchain that records every transaction, Mining Node event, and reward distribution.

Read ->

Subscription Tiers

Tier model that converts monthly fees into Mining Nodes through Subscription Compounding.

Read ->

Decentralized Credit

AI-scored lending without credit bureaus. Two pathways: crypto collateral or Loyalty Coefficient.

Read ->

Open Your WeFi Account Today

Crypto card, onchain banking, ITO mining — all in one app. DeoFin is an independent resource; for official registration visit wefi.co.

Open WeFi Account

Independent informational resource. Not affiliated with WeFi. For official information visit wefi.co