Networked computing power is a critical utility in the era of artificial intelligence. This paper presents a novel Physical Infrastructure Finance (PinFi) protocol designed to facilitate the distribution of computing power within networks in a decentralized manner. Addressing the core challenges of coordination, pricing, and liquidity in decentralized physical infrastructure networks (DePIN), the PinFi protocol introduces a distinctive dynamic pricing mechanism. It enables providers to allocate excess computing resources to a "dissipative" PinFi liquidity pool, distinct from traditional DeFi liquidity pools, ensuring seamless access for clients at equitable, market-based prices. This approach significantly reduces the costs of accessing computing power, potentially to as low as 1% compared to existing services, while simultaneously enhancing security and dependability. The PinFi protocol is poised to transform the dynamics of supply and demand in computing power networks, setting a new standard for efficiency and accessibility.