Flow has announced a strategic pivot towards consumer-focused decentralized finance (DeFi) with the launch of the Flow Credit Market (FCM), an automated lending protocol aimed at reducing liquidation risks and cutting costs by up to 99.9%. Additionally, Flow introduced Peak Money, a financial app designed to offer high annual percentage yields (APYs) on both cash and cryptocurrency deposits. In a move to enhance its ecosystem, Flow is upgrading its FLOW token to a deflationary model through FLIP-351, which will burn tokens with each transaction to increase scarcity. The network reports over 41 million total accounts and 110,000 monthly active users, with a total value locked (TVL) of $107 million as of December 3, 2025.