COMPLIANCE-FIRST INFRASTRUCTURE FOR FINTECHS AND TREASURY PLATFORMS
The account layer platforms build on.
Turn idle user balances into a compliant, non-custodial yield product under your own brand. Built for any platform sitting on user balances, whether or not you KYC them. Per-user accounts with screening, reporting, and controls built in. One SDK.
Live in production · 11 audits, zero critical or high · non-custodial
Built for: Neobanks · Treasury platforms · Payroll · B2B fintechs · Wallets
HOW IT WORKS
One integration. Two ways to earn.
The first question sets the path: do you KYC your users? Either way, your product runs on the same per-user, non-custodial account, and you never hold custody or run the on-chain layer.
If you don’t KYC your users
Live
Permissionless earn
For neobanks and platforms with non-KYC users. Blend runs OFAC and open-sanctions screening as the floor, then your users get a rated yield basket across Morpho, Aave, and Compound, under your brand, non-custodial.
Live today
If you KYC your users
Live
Gated institutional access
For treasury platforms, payroll, and fintechs with verified users. Treasury-grade stablecoin yield is live today; as the pass-through comes online, tokenized treasuries, money market funds, and equities open up, with no re-onboarding per product.
Verify once, add products without re-onboarding
Compliance is the layer, not a checkbox. Screening, attestation, audit, and controls run on every account. Routing yield is the easy part. The verified-identity layer underneath is the hard part, and the reason products keep opening without sending anyone back through onboarding.
WHAT IT IS
An account, not a pool.
Every user holds their own on-chain account. Funds are never pooled and never sit on your balance sheet or ours. Screening, audit, reporting, and controls operate on each account directly. Yield is one product that runs on top, routed across rated sources, never a single commingled position.
01 / ACCOUNTS
Per-user isolation
A dedicated on-chain account per user, same address on every chain. Funds never mix.
02 / SCREENING
OFAC and transaction screening
Each user screened, each inbound transaction checked, jurisdiction enforced per account.
03 / AUDIT
Account audit trail
Full exportable history per account, fingerprinted to who viewed and changed what.
04 / REPORTING
Reporting and tax
Per-user, per-jurisdiction statements and tax documents, generated automatically.
NON-CUSTODIAL
Reachable without us.
Each user’s funds sit in their own account, withdrawable directly on-chain, with or without Blend and with or without your app. No shared pool, no withdrawal queue. Verifiable on-chain today.
YOUR APP
Where users transact
Deposits, withdrawals, balances, statements.
Not required for access
BLEND
The rails underneath
Routing, rebalancing, monitoring, reporting.
Not required for access
ON CHAIN
The user’s account
Reachable directly, on every chain.
Always open
INTEGRATION
One SDK. No chain to operate.
Bridges, routing, rebalancing, and gas are handled below the API. You integrate once and never run the on-chain layer.
const account = await client
.integration.safe.account(userEoa);
const balance = await client
.integration.balance.get(account.id);
// funds stay in the user’s own
// account, on every chain
ONBOARDING
Verified once, carried through.
A user verifies with you once. That verification carries through to each yield source, so adding a product sends no one back through onboarding.
1
User verifies once, with you
KYC collected at the neobank
2
Carried through to each source
no PII handed to each issuer
3
New products go live for them
no re-onboarding
PRICING
Flat Pricing
No minimums, no setup fees, no spread taken from user yield. Gas covered. You set the split between user APY and your margin.
LIVE
Audit logs
Every action per account, exportable.
LIVE
Reporting
Positions, flows, caps, exceptions.
LIVE
Statements
Monthly per-user, bank-style.
SOON
Tax
Per-user, per-jurisdiction.
GET STARTED
See the platform live.
Get a 30-minute walkthrough with our team.