Master Finance, One Lesson at a Time.

DeFi.com is a personal finance application that bridges the gap between the real world and decentralised finance. It lets users spend stablecoins on a Visa card, earn yield on their assets through DeFi protocols, and invest in crypto and tokenised stocks.

You are the custodian of your own funds. DeFi.com cannot access your funds or block withdrawals.

Turn on Earn to put your stablecoin balance to work in DeFi vaults expertly managed by our partner, Gauntlet. Pick a position that suits your preferences, review it, and deposit in one click. You can close your position and withdraw at any time; APY rates vary with supply and demand for the underlying assets. Earn positions are created from your "Portfolio" account on the Base network.

Your spendable balance is USDC on the Tempo network and remains in your wallet until you spend. You do not need to send stablecoins to a third-party smart contract. Add the card to Apple Pay or Google Pay and use it anywhere Visa is accepted.

Yes. Trade supports crypto tokens and tokenised stocks directly from your self-custodial account. We route orders to the best available price across liquidity sources in established decentralised exchanges. Trading is managed from your "Portfolio" account on the Base network.

You can withdraw to your bank account at any time without a support ticket. You will see the exact amount before confirming, and the funds will arrive in the local currency you select. You can also send funds to an external on-chain address at any time.

Yes. Send to any on-chain address on supported networks or to any DeFi ID, and the funds arrive in the recipient's non-custodial DeFi.com account. No bank details or cut-off times are required. You can also enter recipient bank details; your USDC will be converted to local currency and sent to their bank.

DeFi.com is self-custodial: only you hold the keys to your funds, and we cannot access, freeze, or move your money. Sign-in is secured with a passkey rather than a password. Our smart contracts are audited internally and by third-party providers.

Trading and converting between local currency and crypto may include a small fee, shown before you submit the transaction. Earn positions have a 10% performance fee charged by our vault-curation partners, taken only from the position's profits.

Not right away. You verify your identity when you want to unlock the card and most regulated features. You can create an account and use many Earn and trading features without first providing an email address or name. Card and local-currency on-ramp or off-ramp features require KYC.