The intelligent account layer for fintechs
Give customers an account that puts assets to work and makes money available when they need it. Blend coordinates earning, liquidity and payment funding within their rules, inside your app.
Money can earn.
Life needs liquidity.
Make both work.
An investment isn’t always ready to pay a bill. Cash set aside for spending can miss earning opportunities. Connecting the two means managing liquidity, timing, costs and risk as conditions change.
Blend brings that intelligence into your fintech. It evaluates what can move, when it is needed and which actions are permitted, then coordinates the account and funding workflows behind the decision.
Offer earning, payments and access to borrowing through one account. Blend’s AI weighs liquidity, timing, cost and risk. Account permissions govern what happens next.
Illustrative scenarios only. Availability and settlement depend on assets, account permissions and provider terms. Borrowing carries interest and liquidation risk. Returns and uninterrupted payment funding are not guaranteed.
What connects to the account
Connect eligible earning products and asset-backed liquidity through one customer-owned account. Blend coordinates the different funding requirements behind a familiar experience in your app.
ONE CUSTOMER-OWNED ACCOUNT
Earning products
Offer eligible tokenized Treasury funds, institutionally managed yield products and onchain lending markets through your app.
Institutional products
Including eligible tokenized Treasury funds.
Onchain markets
Including eligible lending strategies.
Distinct products, with different eligibility, liquidity and risk characteristics.
Borrowing against assets
Connect customers to third-party borrowing against eligible assets, such as BTC and ETH where supported, to fund spending without first selling the collateral.
ILLUSTRATIVE COLLATERAL
BTC
ETH
Borrow against BTC or ETH where supported by the lender and network.
Eligible collateral, account permissions and lender checks govern the route.
A Treasury fund, an onchain lending position and crypto collateral have different withdrawal windows, funding costs and risks. Blend evaluates the available routes against the customer’s needs, account permissions and provider requirements.
Products and collateral depend on customer eligibility, jurisdiction, supported networks and provider terms. Yields are variable. Borrowing incurs interest and carries liquidation risk.
Give customers more reasons to hold assets and make payments in your app. Blend brings the intelligence, account controls and funding workflows together, so your team can build the customer experience on top.
03 / Built into your world
Your fintech owns the brand, onboarding and product choice. Blend brings decision-making, account permissions, allocation and reporting together. Connected providers supply the investment products, payments and lending.
Blend’s intelligent account layer
Evaluate liquidity. Apply the rules. Coordinate funding.
Earning products
Payment partners
Third-party lenders
04 / Already in motion
Cumulative volume routed through Blend.
ACCOUNT ANATOMY · NON-CUSTODIAL
CUSTOMER-OWNED ACCOUNT
Their assets. Their control.
Every customer holds a segregated, non-custodial account. Permissions define what can happen to their assets.
Permissions and timelocks.
Allocation, liquidity and funding workflows.
Screening, settlement and reporting.
From the idea to your product
Let’s make it concrete.
Build with Blend
Bring us your customer experience. Let’s map the assets, liquidity needs and account rules that make it work.