LayerBankFi is pioneering a new era in decentralized finance (DeFi) by transforming liquidity management into an autonomous network. Unlike traditional banking systems, LayerBankFi operates as a neural network for capital, aiming to create a multi-chain liquidity layer where tokens automatically seek optimal yields across chains. This innovation positions LayerBankFi as a disruptor in the 2025 DeFi landscape, moving beyond passive income strategies to active capital engagement. The platform introduces the concept of 'Liquidity Agents,' enabling capital to make informed decisions based on risk perception rather than static interest rates. Additionally, LayerBankFi's cross-chain credit layer allows users to build a financial identity through on-chain activities, such as deposits and loans, which contribute to a dynamic credit score. This approach marks a shift from yield-driven to credit-driven DeFi, emphasizing trust infrastructure over high interest rates. LayerBankFi's Layer Points system further incentivizes user engagement by offering enhanced credit weight for early participation and daily activity. This system ensures that every interaction contributes to a user's financial identity, positioning LayerBankFi as a central nervous system in the evolving DeFi ecosystem.