ACCOUNT & YIELD INFRASTRUCTURE FOR NEOBANKS
The account layer
neobanks build on.
Per-user on-chain accounts with screening, reporting, and controls built in. Risk-rated yield runs on top. One SDK, non-custodial.
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 & 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 & tax
Per-user, per-jurisdiction statements and tax documents, generated automatically.
NON-CUSTODIAL BY ARCHITECTURE
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.
YOUR APP
Where users bank
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
9 audits, 3 firms.
Zero critical or high findings.
Cantina · Sherlock · Zellic — reports public
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
YIELD
One product on the account.
Each source is rated by an independent vendor before it can enter a basket. You set the mix per account type. Spendable balances stay liquid; term savings earn separately.
DeFi vaults
LIVE
Instant liquidity, routed and rebalanced inside your caps. Rated Prime, Core, or Edge before eligible.
Morpho · Aave · Compound · Spark · Pendle
Tokenized RWAs
COMING SOON
Term yield on treasury-grade collateral, separated from spendable balances by account type.
T-Bills · Treasuries · Money Market Funds
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
THE CONSOLE
Build your own earn product and revenue line.
Define account types, assemble baskets from rated sources, set caps and buffers, and ship it under your own brand. Configure in the console or drive it all through the SDK. Change the underlying yield for every user without another integration.
Savings — 2003 users · RWA basket · Prime/Core
Boosted — 143 user · higher-yield basket · Core/Edge
+ New account type
Savings · basket
OpenEden Treasury Bills — 70%
PRIME
Cash USDC — 30%
max per source 60% · liquidity buffer 10%
your margin: set per account type
Configured in the console, or entirely through the SDK.
Account types. Savings, boosted, or whatever shape you define. Different users, different products.
Your baskets. Pick from independently rated sources, or start from a template. Never a single pooled position.
Your brand. The user sees your product. Blend stays underneath.
PRICING
Flat Pricing
No minimums, no setup fees, no spread taken from user yield. Gas is covered in the fee. You set the split between user APY and your margin.
LIVE
Audit logs
Every action per account, exportable.
LIVE
Reporting
Positions, flows, caps, exceptions.
SOON
Statements
Monthly per-user, bank-style.
SOON
Tax
Per-user, per-jurisdiction.