Yield from open markets, one tap away
Lend your balance in public markets like Aave, straight from your account. One tap to deposit, one to withdraw.
Stablecoins and yield, without the friction.
Hold digital euros and dollars, pay anyone and earn in onchain markets. All from a smart account only you control.
Built on trusted infrastructure.
Onchain settlement, smart accounts, bank transfers and swaps, each run by a specialist provider.
What you get
Everything stablecoins can do. Nothing you have to manage.
No seed phrases, no fee tokens, no juggling wallets. Send, exchange and earn from one account.
Send money like a message
Pay anyone in digital euros or dollars, any day, in seconds. Network fees covered where supported.
Euros to dollars at market rates
Swap between euros and dollars through onchain liquidity, with the rate shown before you confirm.
Earn
Open markets. Your call.
Lend your balance in public onchain markets, straight from your account. One tap in, one tap out.
How protocol access works
Euros and dollars, onchain.
EURC and USDC are digital euros and dollars issued by Circle, designed to hold their value one to one. Circle mints and redeems them and publishes what backs them.
Three steps to start
Start in minutes. Stay in control.
Create your account
Sign up with your email. Your smart account is ready.
Add digital euros or dollars
Receive EURC or USDC from anywhere, or get a personal SEPA IBAN in your name and top up straight from your bank.
Pay, swap and earn
Pay a friend back, settle an invoice, swap currencies or put idle money to work.
Self-custody
Your keys. Your money. Always.
Defied Money never holds your assets or your keys. Every transaction is yours to authorise. We build the interface, not a vault.
Learn about self-custodyYour keys, yours alone
Your account key is created at sign-up and can be exported at any time. Defied Money never holds it. Nothing moves without you.
Sign in without a seed phrase
Use your email or Google account. There is nothing to write down, photograph or lose.
Verification only where a bank needs it
No identity check to hold, send or exchange. Bank transfers need one, run by the regulated provider.
Audited protocols, open code
Deposits go only to protocols with public, audited contracts. Our router contracts are headed for open source and independent audit.
Why not a bank
A smart account, not a bank account.
Same everyday money, different rules.
| Why not a bank | Bank | Fintech app | Defied Money |
|---|---|---|---|
| Only you hold the keys | No | No | Yes |
| Settles in seconds, any day of the year | Partly | Partly | Yes |
| Money you can use in other onchain apps | No | No | Yes |
| Direct access to open onchain markets | No | No | Yes |
| Your money stays yours if the company shuts down | No | No | Yes |
| Get started without an identity check | No | No | Yes |
Questions, answered
Our mission
Fix the friction. Keep the control.
A self-custodial interface for stablecoins, payments and yield, built for people and businesses who want everyday convenience without handing over control.
