Flow looks to dominate Consumer DeFi sector and delivers new tokenomics
Flow Monthly Overview - December 11, 2025
Welcome back to the Flow Overview. Every month, we dive into the Flow ecosystem developments to bring you up to speed on the latest updates, metrics, insights and more.
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The State of Flow
$FLOW: $0.21 (-8.4%)
Flow total value locked (TVL): $97.72M (-9.94%)
Flow DEX Volume: $45.85M (+1.55%)
Flow Stablecoin Market Cap: $38.23M (+0.79%)
These metrics are accurate upon publication. The percentages are based on month-over-month change, unless noted otherwise.
What Caught Our Eye This Month
Monthly active addresses on Flow surged 1,262% to 43,600 over the last 30 days. A sharp rise in active addresses often signals growing user activity or more interest in use-cases on the chain, attracting developers, projects, liquidity or and partners.
Beezie facilitated the $300,000 sale of a 1999 1st Edition Base Set Charizard Holo in a PSA 10. This Pokémon card is historically significant and considered one of the most valued collectibles in the hobby due to its rarity as a first-print holographic card, iconic status within the Pokémon franchise, and its preservation in perfect condition.
Flow’s Forte Hacks 2025 hackathon has ended. The event saw more than 3,300 builders across 400 projects competing for a $250,000 prize pool.
Go with the Flow
🌊 What happened: Flow Foundation has launched Flow Credit Market (FCM), an automated lending protocol, alongside Peak Money, a consumer-facing finance app developed by Dapper Labs.
Flow also introduced permanent FLOW token burn, shifting tokenomics toward a net-deflationary model at projected consumer-scale activity levels.
🌊 Why does it matter: FCM is a protocol-level lending market that leverages Flow’s native onchain scheduling to automatically rebalance under-collateralized positions. Think of it like an autopilot for crypto loans on the network that automatically adjusts users’ positions to prevent losses before they reach a liquidation point.
Peak Money is meant to serve as the consumer endpoint for FCM, offering a mobile-first interface that enables one-tap deposits and risk-managed yield. It targets mainstream users who already hold assets on Flow, such as NBA Top Shot or Disney Pinnacle.
Flow is also updating its network-wide transaction fee structure. Initially, the network kept fees low, but with FCM, Flow is aiming to drive more transactions, and so is adjusting fees to match the expected increase in network activity.
The new fee structure links network usage directly to value to create a deflationary model for the FLOW token. This can make the token net-deflationary, meaning more FLOW tokens could be burned than issued.
🌊The big picture: Flow is looking to tap the relatively untapped consumer DeFi market.
The combination of FCM’s automated lending engine with apps like Peak Money will let everyday users take advantage of crypto use cases such as earning yield, managing risk, and keeping their investments productive. The easy UI also lets users avoid navigating complex crypto mechanics, which has been one of the biggest reasons why crypto hasn’t gone mainstream yet.
At the same time, FLOW’s updated tokenomics links usage to value creation, since every onchain action generates protocol fees and increases overall transaction volume on Flow. From there, a portion of fees will be used to buy back and burn FLOW tokens.
Every action users take in apps like Peak Money contributes to network activity, which drives FLOW token scarcity through deflationary mechanisms. This scarcity is important since it increases the value of remaining tokens as supply is cut and demand either stays the same or increases.
What’s Flowin’ through the ecosystem?
Diving into the biggest announcements, developments and more happening within the Flow
Flow TVL hit an all-time high of $119M on Nov. 9
Flow recorded 1.7K code commits over the last 30 days, ranking second among all L1 blockchains
Dapper Labs’ CEO Roham Gharegozlou spoke with Paul Barron about the token’s deflationary mechanism and upcoming consumer apps
NBA Top Shot released its Rookie Origins collection, featuring players from the 2025-26 rookie class, and new 1-of-1 moments
Disney Pinnacle’s holiday boxes went live on Dec. 1 and will be released every day throughout the month
Follow the community’s Flow
Want to build on Flow? Visit the developer portal for more info on documentation and tools. Or go further down the rabbit hole:
Flow is hiring: check out all the open positions here
Follow Flow and visit their website to explore additional opportunities
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This information is for entertainment purposes only. It should not be considered financial advice, nor should it be used to make investment decisions. Cryptocurrencies are high risk and you should consult a financial professional before making any financial decisions. Make sure you do your own research.