Speaking of finetune, currently a common practice is LoRA over bnb 4-bit base model, but I think it's time to replace bnb with GGUF as the base model format. GGUF is actively supporting new model architectures and more aggressive quantizations.
I've made some proof of concept in https://github.com/woct0rdho/transformers5-qwen3.5-recipe . We can finetune Qwen3.5-35B-A3B in 16 GiB VRAM, and DeepSeek-V4-Flash (284B-A13B) in 90 GiB VRAM, without CPU offload. This works well on unified memory machines like Strix Halo.
Even so, larger models like Kimi-K3 still require multiple GPUs and nodes, and there are a lot more to do compare to single-GPU training.
I dont quite understand why GGUF is better optimized. Are the performances better for the same amount of VRAM ?
GGUF is at least better than bnb. From what I know, bnb does not yet find a way to quantize MoE with enough accuracy, and maintain the dequant-MoE kernels. In the age of Qwen 3.0, people tried to make some bnb '4-bit' quants of MoE models, but actually the MoE part is not quantized. It's a pity that even Unsloth gave up low-VRAM finetuning with MoE (although they're making their GGUFs for inference), and the world of local training looks stagnated for months.
GGUF is maintained by all the llama.cpp developers. There are many quantization formats and algorithms under this container format, some are optimized for MoE (such as APEX quant), some for CPU and some for GPU, some work surprisingly well below 4-bit (and even near 1-bit). It also supports recent architectures like linear attentions and mHC.
I cannot be sure what the likes of Cursor have done, but I think it's incredibly unlikely that they have trained a QLoRA for Composer.
It's almost certainly full parameter post training of the original model weights.