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.
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?
Payment flows
Payroll
Embedded finance
Earning
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. Monad settles each transfer in under a second. Funds stay the receiver’s, reachable on chain, even if you go down.
payment-flows.ts
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// 1. Mint the user a wallet inside your app.
const { address } = await portal.createWallet();
// 2. Hand the address to Blend.
const { challenge } = await blend.requestUSDCDeposit({ address });
const signature = await portal.signMessage(challenge);
await blend.confirmDeposit({ address, signature });
// 3. Tx settles on Monad.
await portal.sendTransaction(session.transaction);
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
Non-custodial architecture
Every user owns their smart account. If Blend or the neobank goes down, users still reach their funds through Safe, on any chain.
Controls out of the box
AML and OFAC screening run inside Blend. A full, auditable transaction trail is ready for reporting and tax.
Diversified by design
Risk-rated DeFi and RWA baskets spread across chains, Monad included. No single protocol, chain, or issuer can take a user down.
Under the hood: an isolated fleet of 1-of-1 Safe smart accounts per user, one set per savings product.
Neobanks that use Blend.
ibis
kravata
Encrypto
avvio
Brookwell
+ more
Diversified yield. Controlled by you.