The future of money is Superfluid.

Crypto has made money programmable, yet the model remains locked in transactions that emphasize short-term gains, not sustained value creation. Instead of delivering continuous income and payments – your salary, mortgage, subscriptions, etc. – the financial tools we have built prioritize quick trades, fleeting rewards, and speculative excitement.

We need a counterbalance in order to bring the “real” economy onchain. While developers code, creators engage, and protocols provide services continuously, our financial infrastructure forces these ongoing activities into transactional dopamine hits. People need salaries, passive income and cheap loans. We've given them 100x leverage and memecoin factories.

We need continuous onchain income to match our long-term ambitions.

This future demands real-time, onchain cashflows – a dynamic financial layer that rewards and incentivizes true value creation.

Superfluid enables money to flow continuously, providing financial infrastructure that matches the tempo of onchain work, engagement, and contribution. This is the foundation for a system where everyone, globally, can send and receive value, every second. The impact of continuous financial flows reaches far beyond convenience:

• Organic Loyalty becomes the norm rather than being manufactured. Real-time streaming rewards build stronger relationships with contributors, rewarding consistent engagement over short-term actions.

• Continuous Compensation emerges naturally when financial flows mirror actual value creation. No more net 30 terms. No more missed payments. No more misalignment between effort and reward.

• Efficient Cash Flow transforms how capital is deployed. By replacing lump-sum payments with continuous streams, funds no longer sit idle. Payments become predictable, and resources can be allocated more efficiently in real-time.

These aren’t theoretical benefits. Continuous compensation eliminates non-payment risks, making service provision cheaper. On the other hand, once adopted systemically, continuous settlement increases the velocity of money, stimulating economic activity.

The Case for Onchain Income

The DeFi movement has built the most advanced trading venues ever seen. We’re able to leverage on imaginary collateral and repackage hypothetical assets.

But bringing the economy onchain requires a financial system that serves individuals and businesses in their daily needs, not (only) their gambling addictions. For DeFi to achieve its full potential it must be built on the basis of onchain cashflows.

Imagine cashflow derivatives that allow businesses to better hedge their income fluctuations, or loans that allow individuals to advance their future salary. Onchain money streams are the basic requirement for all of this to become a reality.

Superfluid streams are the best onchain representation of cash flows.

A More Human Financial System

Streams are tokens in motion. While crypto is maximally programmable, Superfluid streams are payments by the second built-in to the money itself. It’s built for income, for spending, and to reward long-term relationships.

In other words, streams are the foundation of a more human onchain financial system. Our goal is to push the industry – and the internet more broadly – toward a world where everyone is earning a living onchain. We’re building an ecosystem of apps and services that onboard people to earn in a consistent, sustainable way.

It’s not just our goal – it is foundational to the protocol itself. Superfluid is built to create a future where everyone earns, every second.