infiniFi on The DeFi Drop

Guest: Rob Montgomery, CEO & Founder, infiniFi
Host: Edward Ward, Portals.fi

Building yield without balance sheet risk

In this episode of The DeFi Drop, Edward Ward speaks with Rob Montgomery, founder and CEO of infiniFi, the DeFi platform offering higher yields by aligning capital duration without using leverage. Rob shares how his journey from an anarchy Minecraft server to launching NFT projects to building Revest led to infiniFi's founding insight: reward users for time, not risk.

From first principles to protocol design

infiniFi builds on a simple yet powerful idea: letting users choose how long they are willing to wait for withdrawals creates a usable duration ladder. That ladder enables part of the capital to be deployed into longer-term yield opportunities while still preserving access through redemption queues and secondary markets.

Rob describes it as DeFi-native balance sheet engineering:

• Liquidity preferences create real yield differentials
• Duration risk becomes measurable and opt-in
• Transparent smart contracts and AMMs replace opaque banking practices

How infiniFi works

There are two core modes:

1. Earn (liquid): Users deposit and automatically receive SIUSD, a staked receipt token. No staking step needed.
2. Lock (illiquid): Users select withdrawal notice periods (1, 4, or 13 weeks). Longer delays get higher projected APY.

The protocol distributes yield based on a multiplier system. Longer locks increase the weight in the reward pool, not the strategy risk itself. As Rob puts it:

“There’s a numerical multiplier being silently applied to your position.”

The mechanism allows the protocol to "borrow short, lend long" without hard leverage, backed by:

• Redemption queues
• Receipt token secondary markets

If SIUSD ever trades below peg, users can sell and arbitrageurs can buy, redeeming later for full value.

“You can buy a dollar for 98 cents knowing you’re only gonna wait two weeks to get out.”

Risk, governance, and simplicity

infiniFi is designed to minimize internal risk exposure:

• No leverage on the protocol’s balance sheet
• Conservative partner and strategy selection
• Avoidance of rehypothecation where possible

An external risk council oversees partner approvals with a unique safety mechanism: any one member can veto. If they do, the asset does not ship.

“Most of the time we say no.”

The contracts are built for clarity and composability:

• ERC-20 based positions
• Avoidance of tranching complexity
• Hybrid governance for speed and pragmatism

“Always target the simplest MVP… then crystallize those findings into fully immutable on chain components.”

Market outlook

Rob closes with a prediction for DeFi’s total value locked: $150B by June 21, 2026. He attributes this to steady institutional growth, maturing protocols, and deeper integration with TradFi and RWA instruments.

About infiniFi
infiniFi is a DeFi yield platform that lets users earn more by choosing how liquid they want to be. Depositors can stay liquid in an “Earn” mode, or opt into “Lock” periods where withdrawals take longer in exchange for higher projected yield.

About Portals.fi
Portals.fi is the DeFi Super App. A one-click gateway to the entire on-chain economy. Powered by real-time data and seamless execution, Portals.fi connects traders to over 20 million assets, thousands of protocols, and every major blockchain.