Your neobank stack.

Yield, wallets, compliance.

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See how the stack fits together

Blend · Yield

Diversified and risk-rated. One integration.

Portal · Wallets

Non-custodial and embedded. No seed phrases.

Monad · Settlement

Sub-second, fractions of a cent.

Every neobank dies the same way.

Yield deals take a quarter to negotiate.

Ramp fees eat your margin.

Wallet infra is its own roadmap.

You wanted to launch a product. You’re staffing an infrastructure team instead.

Three layers. One call.

Portal for wallets, Blend for yield, Monad for settlement. Built to fit together behind your own brand, on EVM your engineers already know. You ship the product. We handle the rails.

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Documentation

A curated, risk-rated mix of DeFi and real-world-asset yield with built in compliance.

Non-custodial wallets, embedded in your app. Your users never see the chain.

Settlement in under a second, for a fraction of a cent. Full EVM.

A wallet your users never see.

Portal gives every user a wallet that lives inside your app. MPC keys, no seed phrases, nothing for them to manage. Your users never touch a chain, and you never touch a private key.

Already running behind Bitso at 8M users across Latin America, and World Remit

What are you building?

Build cross-border payment flows, with dollar savings built in.

Your users can hold dollars, earn on the balance, and cash out locally.

Portal onboards receivers with KYC once. No seed phrases, nothing to manage.

Monad settles each transfer in under a second, for a fraction of a cent.

Funds stay the receiver's, reachable on chain, even if you go down.

Recommended: Conservative · 3 to 5% target

payment-flows.ts

// Cross-border payment flow, dollar savings built in.
import { Portal } from "@portal-hq/sdk";
import BlendClient from "@blend-money/sdk";
 
// 1. Mint each user an in-app wallet. No seed phrase.
const portal = new Portal({ apiKey: PORTAL_PUBLISHABLE_KEY });
const { address } = await portal.createWallet();
 
// 2. Open a dollar balance on the Conservative tier.
const blend = new BlendClient({ publishableKey: BLEND_KEY });
await blend.openAccount({ address, tier: "conservative" });
 
// 3. Send a cross-border transfer. Settles on Monad, sub-second.
await blend.transfer({
  from: address,
  to: recipient.address,
  amount: "500.00",
  currency: "USDC",
});

One integration. A whole portfolio.

Offer your users access to earning opportunities without integrating a protocol to deliver it. Blend routes each deposit across a curated, risk-rated mix of DeFi and real-world assets, and rebalances as conditions move.

Conservative

T-bills and blue-chip DeFi

3 to 5% target

Balanced

Diversified RWA and DeFi · most chosen

5 to 8% target

Higher yield

Curated DeFi and stables

8 to 10%+ target

Vaults are independently risk-scored by Philidor, Credora, and RBA.xyz. You choose which tiers your users see, and strategies can be reweighted at any time.

What it adds up to.

Move the sliders. See what your users earn and what you make on a flat 25 bps, built on the tiers above.

Users 257,000

Average balance per user $1,350

Total deposits
$346,950,000

Your users earn / year
$22,551,750

You earn / year
$867,375

Negotiate like an incumbent before you are one.

Alone, you negotiate ramp fees, credit, and interchange as one small fintech with no volume. Through Blend and Monad, you negotiate with real volume behind you. Better pricing across ramps, credit, and interchange flows to you, and to your users.

KYC pass-through, by design.

Blend maintains KYC relationships for every issuer. Agora, Theo, OpenEden, and more, integrated once instead of a year of separate reviews. At launch, tokenized treasuries and money-market products can be available with minimal set up, subject to your jurisdiction and user eligibility.

AGORA

THEO

OpenEden

+ more