ToPA: Block-wise Toeplitz Adaptation for Expressive and Efficient Fine-Tuning

arXiv:2610.22883v1 Announce Type: cross Abstract: Parameter-Efficient Fine-Tuning (PEFT) has emerged as a prevalent strategy for adapting large pre-trained models. Among PEFT techniques, reparameterization-based methods, particularly those that employ low-rank or sparsity structures, have attracted significant attention. However, these approaches often underperform full fine-tuning. Specifically, low-rank methods constrain the update rank, which is misaligned with the inherently high-rank nature of full fine-tuning. In contrast, sparsity-based techniques limit the flexibility of the parameter space and compromise connectivity across weights. To overcome these limitations, we explore the use of Toeplitz matrices, whose entries are constant along each diagonal, therefore providing a compact parameterization without imposing explicit rank or sparsity constraints. A straightforward approach is to update weights via a product of Toeplitz matrices. However, similar to RNNs, long multiplicative chains often lead to gradient instability. To address this issue, we propose \textbf{ToPA}, a more refined version of this idea that replaces standard Toeplitz matrices with block-wise Toeplitz, greatly increasing each factor's capacity and shortening the chain, thereby stabilizing training and improving expressiveness. We theoretically show that products of block-wise Toeplitz matrices can approximate arbitrary matrices under shorter chain length, justifying the structural design of ToPA. Furthermore, we demonstrate that ToPA offers greater expressivity than existing low-rank and sparse parameterizations. Empirical evaluations across 21 NLP and CV datasets, spanning 5 model architectures, consistently validate the effectiveness of ToPA.