Source: Depositphotos It’s no secret almost every major tech firm today harvests its users’ browsing patterns and preferences, generating billions for themselves in the process. However, with the advent of on-chain tech, this status quo is going through a major revamp, with ‘personal intelligence layers’ (PIL) representing one of the more intriguing evolutions in this context (at least over the last couple of years). Rather than forcing users to choose between privacy and participation, these layers allow users to maintain encrypted control over their data while simultaneously enabling AI systems to process that information for personalized insights. In fact, the privacy-preserving AI market has fast gained traction and is expected to grow at an annual rate of 27% over the next four year stretch. The broader implications of these PILs, therefore, challenges fundamental assumptions about ownership and monetization because rather than accepting the notion that personal information needs to be surrendered to access digital services, decentralized models can treat data as assets users can control, selectively share, and potentially monetize. All of this is especially pertinent in light of recent policy shifts such as the EU's Data Act, (implemented in 2023) which encourage open access to financial data while maintaining privacy protections. Therefore, as AI agents become more capable of executing complex tasks, they need negotiation frameworks and commitment mechanisms to interact with each other as well as human users. In this regard, intent-based architectures are perfect as they allow agents to operate across different systems while maintaining security and reliability guarantees. Exploring the industry’s evolution toward actionable insights Since the turn of the decade, specific implementations have begun translating personal intelligence concepts into accessible consumer products, with products like ConsumerFi building infrastructure that converts fragmented consumer data into what can be best described as "user-owned intelligence." The system operates through an encrypted data structure called ‘ConsumerGraph,’ which functions as a portable memory bank of digital activity, leveraging NEAR AI for private data processing and NEAR Intents for executing actions across multiple blockchains. This transforms everyday interactions into financial opportunities, be it earning rewards for data sharing or making investment decisions based on personalized insights. Most recently, ConsumerFi made its debut on the popular launchpad Calyx, making these privacy-centric concepts even more accessible to a broader audience. The token sale began on November 13, offering 25 million CFI tokens (approx 2.5% of its total billion-token supply), with participation requiring only connecting a wallet on any supported chain and deploying assets through a single transaction. The sale reached its funding target in just 1.5 hours. Notably, the funding target was reached ahead of schedule, with seven days remaining in the sale window, thus unearthing a lot of market validation for the technology. In addition to this, ConsumerFi has also secured investments for major crypto-native entities such as Animoca Brands, Morningstar Ventures, Cypher Capital, Shima Capital, and the NEAR Foundation. 🪷 Funding Target Reached! 🪷Meaning: you still have 7 days to participate in the @ConsumerFi sale ✨Calyx 🪷 pic.twitter.com/i3EkT1dirE — Calyx (@Calyxdotxyz) November 13, 2025 That said, what distinguishes this launch from other token offerings is the existing scale operating behind it as ConsumerFi already operates across applications totaling more than 170 million downloads. A market shift toward personal intelligence layers is in the offing As agentic solutions continue to proliferate, it is only natural that the infrastructure managing consumer data worldwide (and therefore enabling private AI processing) will become increasingly critical. And while scalability and interoperability concerns definitely exist, platforms like ConsumerFi are ushering in a much required shift, one where privacy and verification can be balanced. That said, the fundamental proposition that individuals should be able to own their data and benefit monetarily when it creates value, seems to be resonating with demographics and geographies across the board. Therefore, as the landscape matures and more implementations reach production scale, personal intelligence layers will increasingly represent an inevitable evolution of how the internet handles information for the years to come. Interesting times ahead, to say the least! Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.
