# WeFi (WFI): D-Score 23/100 — Centralized Leaning

**BlockIndex D-Score: 23/100 (Centralized Leaning).** WeFi (WFI) is a Layer 2 cryptocurrency using Other consensus. WeFi: BEP-20 Deobank utility token enabling compliant on‑chain banking, cross‑chain settlement and AI-driven financial services.

_Source: https://blockindex.ai/coin/wfi · Data by BlockIndex.AI · Updated 2026-06-19_

## D-Score breakdown (0-100, higher means more decentralized)
| Component | Score |
| --- | --- |
| Overall D-Score | 23 |
| Node distribution | 0 |
| Initial distribution | 0 |
| Governance | 16 |
| Age and history | 7 |
| Autonomy | 0 |

## Key facts
- Layer: Layer 2
- Consensus: Other (N/A)
- Launch: Other (2024)
- Founder: N/A
- VC funded: No
- Max supply: 1,000,000,000
- Circulating: 84,613,173 (8.5%)

## Market data (as of 2026-06-19)
- Price: $2.01
- Market cap: $170.19M
- 24h volume: $1.87M
- 24h change: +0.06% · 7d change: -1.33%

## About
WeFi (WFI) is presented in the available materials as a utility token at the center of a broader “Deobank” vision: a regulated, compliant on‑chain banking platform that bridges fiat rails and stablecoin rails to provide a unified account experience for retail and institutional customers. Launched publicly on 2024-11-11 as a BEP‑20 token on BNB Smart Chain (contract 0x90c48855bb69f9d2c261efd0d8c7f35990f2dd6f), WFI is described as powering transactions, staking rewards, protocol fees, liquidity utilities, access control and governance‑aligned incentive structures. The project material emphasizes multi‑chain deployment and references a proprietary Layer‑1 designed for financial workloads in addition to the BEP‑20 deployment, indicating a hybrid product strategy that pairs a tokenized market presence with ambitions for dedicated financial infrastructure.

Technically, the token is issued as a BEP‑20 contract on BNB Smart Chain and is tracked on major market aggregators including CoinMarketCap and CryptoCompare. The documentation highlights cross‑chain settlement primitives, programmable finance functionality, and AI‑driven services intended to enhance compliance, risk management and customer experiences in a Deobanking context. However, canonical technical artifacts (code repositories, protocol whitepaper details, Layer‑1 consensus parameters, or an on‑chain governance system) are not present in the supplied files. The absence of a linked GitHub, explicit license, or protocol-level documentation limits the ability to validate the underlying design, integration points, or the proprietary Layer‑1 claims from a technical perspective.

In terms of ecosystem and adoption, the supplied sources show WFI listed on multiple centralized and decentralized marketplaces and visible on market aggregators. CoinMarketCap and CryptoCompare display the token contract, price snapshots, holders count (~33.62K per CMC), and supply figures. Market data in the supplied excerpts show a circulating supply in the tens of millions (CoinMarketCap: ~76.19M WFI) against a total supply of 1,000,000,000 WFI, which equates to a low circulating percentage (~7.62%). That imbalance — a relatively small circulating float — is a material tokenomics signal that implies large locked allocations, vesting schedules or reserves that can affect liquidity and dilution risk. The project is present on Tier‑1 centralized exchanges and on major DEX platforms (Uniswap, PancakeSwap), providing both centralized and permissionless access routes, but the sources do not document native wallet integrations or detailed liquidity/TVL metrics.

From a governance and economic perspective, the documentation stresses compliance and governance‑aligned incentives but does not provide concrete governance mechanisms, named founders, an explicit legal entity, or a CEO. No premine percentage, PIP allocation, ICO details, or developer‑fund percentages are disclosed in the provided materials; those omissions reduce transparency around initial distribution and potential centralized allocations. Market snapshots included in the dataset record an all‑time low of $0.1872 (2024-12-01) and an all‑time high of $2.70 (2025-12-14), and the price/supply figures yield a fully diluted valuation on the order of several billion USD at the quoted prices. Absent audited governance documents, formal regulatory filings or an open development repository, the project appears to be an exchange‑visible utility token with strong product marketing claims but limited publicly verifiable operational and organizational transparency. Practitioners considering integration or investment should weigh the clear product positioning (Deobanking, stablecoin rails, cross‑chain settlement, AI services) against the unknowns in distribution, governance, legal status, and on‑chain infrastructure details.

## Links
- Website: https://coinmarketcap.com/currencies/wfi/
- Whitepaper: N/A
- GitHub: N/A

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About the D-Score: BlockIndex.AI rates decentralization from 0 to 100 across node distribution, initial distribution, governance, age and history, and autonomy. Methodology: https://blockindex.ai/dscore