The earn product your compliance team can actually approve. No pooled funds, no bank runs, no bridge exposure, no gas. Live in days, not an 18-month build.
You Don't Build The Stack
Building earn infra is an 18-month project your team runs and compliance vets. One SDK replaces it, with no in-house stack to certify.
Compliance read → nothing new to audit internally
You Never Touch User Funds
Every user owns an isolated on-chain account, never pooled, never held by you or Blend. No custody means no money-transmitter exposure.
Compliance read → no custody, no commingling, no license question
You're Not Locked to One Protocol
Blend routes across Morpho, Aave, Compound and more, inside your caps, and runs none of its own yield. One protocol breaking is capped, not catastrophic.
Compliance read → concentration risk capped, not assumed
Every user owns an isolated on-chain account, same address on every chain. A run needs a shared pot to race for and a queue to beat. There's neither, so there's nothing to run on. Non-custodial by architecture, not by promise.
DOOR 1
Your app
Where users bank every day. Deposits, withdrawals, balances, statements.
Not required for access
DOOR 2
Blend
The rails underneath. Routing, rebalancing, monitoring, reporting.
Not required for access
DOOR 3
Direct on chain
The user's own smart account, reachable without Blend and without your app.
Always open
Ten audits. Three firms. Zero critical or high findings, ever.
Cantina · Sherlock · Zellic
Removed by design
No bank runs
No shared pot to drain, no front of the line to beat. Every balance sits in its own account.
No bridge exposure
Same deterministic address on every chain, balances native per chain. In an emergency, users withdraw on each chain directly. No bridge required.
No commingled funds
One account per user. Funds never mix, so reconciliation and audits stay clean.
No custody risk
Blend never touches user funds. Neither do you. Nothing on either balance sheet to lose.
No trapped deposits
No withdrawal queue to freeze. Funds stay liquid and exitable on chain at any time.
No gas fees.
You and your users never see gas. Covered inside the flat fee, so costs stay predictable.
DeFi is not risky. Uninformed DeFi is. Every product is risk-rated before it can enter a basket; the difference between them is liquidity.
Live
DeFi Vaults
Instant liquidity for the balances users spend from. Routed and rebalanced automatically inside your caps, with every vault rated Prime, Core, or Edge.
Morpho · Aave · Compound · Spark · Pendle
Coming soon
Tokenized RWAs
Term yield backed by treasury-grade collateral, with T+1 to T+5 redemption. Kept separate from instant-liquidity balances by account type, so users always know what they hold.
T-Bills · Treasuries · Money Market Funds
Philidor
Approve strategies, monitor risk, and respond to incidents all from one interface.
Operations Console
Approve strategies, set protocol caps, configure liquidity buffers, and control every parameter from a single dashboard. Nothing changes without your sign-off.
Monitoring + Alerting
Real-time protocol health, yield performance, and risk signals. Alerts that fire before something becomes a problem.
Emergency Controls
Pause deposits, freeze exposure, or restrict activity in seconds. Every action is limited to risk-reducing moves only.
25 bps, flat, on routed balances.
No minimums, no setup fees, no spread taken from your users' yield. Gas is covered inside the fee, so neither you nor your users ever see it. You set the split between user APY and your margin, and keep the spread.
Live
Per-User Audit Logs
Every action on every account, exportable.
Live
Compliance Reporting
Positions, flows, caps, and exceptions, in a format a reviewer can file.
Coming soon
Account Statements
Monthly per-user statements the way a bank issues them.
Coming soon
Tax Reports
Per-user, per-jurisdiction yield receipts. An upsell your users will actually want.
For Developers
Follow the manual quickstart guide, or copy our full SDK docs as a prompt into your AI and let it write the integration for you.
Copy the full Blend SDK docs from architecture, methods, etc. directly into ChatGPT, Claude, or Cursor. Your AI assistant writes the integration for you.
How is this different from other yield providers?
What if a protocol has issues?
Who controls strategy changes?
Do you support RWAs like tokenized treasuries?
What chains do you support?
6 sections covering yield strategy, compliance architecture, and the evaluation framework CTOs are using to choose earn infrastructure. Read it before your next vendor call.
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