PolyFlow and BitFi Announce Strategic Partnership to Connect PayFi with Institutional On-Chain Yield

We are excited to announce a strategic partnership between PolyFlow and BitFi, an institutional-grade on-chain asset management platform bridging centralized finance yield opportunities with DeFi-native strategies.

Through this collaboration, PolyFlow and BitFi will explore how PayFi liquidity can become more productive through transparent, risk-managed, and cross-chain yield infrastructure.

The partnership brings together PolyFlow’s vision for programmable payment finance and BitFi’s experience in institutional CeDeFi asset management. Together, we aim to create stronger connections between payments, liquidity, and sustainable on-chain yield.

Making payment capital more productive

Payments are one of the most important real-world applications of blockchain technology. However, payment infrastructure has traditionally focused only on moving value from one party to another.

PayFi introduces a broader possibility.

By combining programmable payments with decentralized finance, PayFi can enable capital to remain productive before, during, and after settlement. Instead of sitting idle, liquidity can potentially participate in transparent financial strategies while continuing to support real-world economic activity.

PolyFlow is building infrastructure that connects traditional payments, crypto payments, real-world applications, and DeFi. Our goal is to make every transaction count while supporting the free, efficient, and programmable movement of value.

BitFi adds an important institutional asset-management layer to this vision.

Why BitFi?

BitFi is an on-chain asset management platform that provides institutions, professional investors, and retail users with access to risk-managed yield strategies through a unified interface.

Its CeDeFi infrastructure combines institutional centralized-exchange trading strategies with DeFi-native yield opportunities. Under this arrangement, assets remain in Ceffu custody, while MirrorX — Ceffu’s off-exchange settlement solution — provides access to exchange liquidity without requiring those assets to be transferred to an exchange. Vault accounting remains transparent and auditable on-chain.

Unlike yield models that depend heavily on token incentives, BitFi focuses on strategy-generated, non-emissions yield.

BitFi has reached more than $530 million in peak assets under management, expanded across seven blockchain ecosystems, and served more than 33,000 on-chain addresses. It is also a Circle Alliance member and was selected for Binance MVB Season 9.

This combination of institutional experience, cross-chain infrastructure, and transparent asset management makes BitFi a natural strategic partner for PolyFlow.

Key areas of collaboration

PolyFlow and BitFi will explore cooperation across several strategic areas.

1. Connecting PayFi liquidity with sustainable yield

Payment ecosystems require reliable and efficient liquidity. At the same time, capital waiting for settlement or future deployment is often underutilized.

Through this partnership, we will explore how BitFi’s risk-managed strategies can support more productive uses of liquidity within the PolyFlow ecosystem.

The goal is to create opportunities for payment-related capital to access sustainable on-chain yield while maintaining appropriate transparency, liquidity, and risk controls.

2. Expanding bfUSD and bfBTC utility

The collaboration will explore new roles for BitFi’s two flagship assets within PayFi and real-world payment scenarios.

bfUSD uses a dual-vault structure designed to serve different risk and return requirements:

• The Horizon Vault (hbfUSD) follows a low-risk, delta-neutral strategy designed for more stable returns.
• The Pulsar Vault (pbfUSD) targets higher yields with a higher risk profile and can experience drawdowns between epochs. The two vaults are linked through BitFi’s risk-sharing design. A portion of Horizon’s revenue is used to boost Pulsar, while Pulsar capital, together with a protocol buffer, helps absorb losses during stress events before they impact Horizon.

bfBTC is designed to make Bitcoin more productive by combining delta-neutral strategies with cross-chain liquidity routing.

PolyFlow and BitFi will explore potential applications for these assets across payment liquidity, settlement, treasury management, collateral, and other PayFi use cases.

3. Advancing cross-chain capital efficiency

Both PayFi and on-chain asset management operate across increasingly fragmented blockchain ecosystems.

BitFi’s cross-chain vault architecture is designed to support transparent asset accounting across multiple blockchain ecosystems.

By combining this architecture with PolyFlow’s PayFi infrastructure, the partnership will explore more efficient ways to route liquidity between payment applications, blockchain networks, and yield environments.

Our shared objective is to reduce fragmentation and make cross-chain capital easier to access, manage, and verify.

4. Building institution-ready PayFi infrastructure

For institutional adoption to scale, on-chain products must address more than yield. They must also support compliance, custody, reporting, risk management, and treasury operations.

BitFi provides an institutional access layer that includes:

• KYB and KYC onboarding
• Custody connectivity
• Automated strategy routing
• Treasury workflows
• Real-time on-chain reporting

Combined with PolyFlow’s focus on payment infrastructure and real-world applications, these capabilities can help establish a stronger foundation for institutional participation in PayFi.

Where PayFi meets institutional asset management

PolyFlow believes that the future of payments will be programmable, composable, and connected to a broader on-chain financial system.

Capital should not become idle simply because it is waiting to be paid, settled, or deployed. With the right infrastructure, payment liquidity can become a productive financial resource while retaining the transparency and programmability of blockchain technology.

Our strategic partnership with BitFi represents another step toward that future.

By bringing together PayFi infrastructure and institutional-grade on-chain asset management, we aim to unlock new opportunities for users, businesses, protocols, and institutions across the global payment economy.

We look forward to sharing further updates as the collaboration progresses.

About PolyFlow

PolyFlow is a PayFi protocol connecting traditional payments, crypto payments, real-world applications, and decentralized finance.

Through programmable payment infrastructure, Payment IDs, and liquidity solutions, PolyFlow aims to make global value movement more efficient, transparent, and accessible. PolyFlow is building the infrastructure layer for a future in which every payment can create greater utility for users and the wider on-chain economy.

Website: https://polyflow.tech
X: https://x.com/Polyflow_PayFi

About BitFi

BitFi is an on-chain asset management platform bridging TradFi yields with DeFi returns for both institutions and individuals. We provide robust asset management infrastructure that enables seamless access to both TradFi and DeFi investment opportunities. By connecting the two financial worlds, BitFi empowers users with diversified, efficient, and transparent yield generation across markets.

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