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A deobank — short for “decentralized on-chain bank” — is a new kind of bank built on blockchain and DeFi technology. It offers familiar banking services like payments, savings, and transfers, but with one major difference: you stay in full control of your money at all times.
In a traditional bank, you hand over your funds for safekeeping — the bank holds them, manages them, and ultimately decides what happens to them. A deobank works differently. Think of it as a network of personal, digital safes. You can send and receive money just as easily as with a regular bank, but you’re the only one with the key. Even when using services like loans or savings, you never lose control of your assets.
Deobanks operate entirely on blockchain rails, which is why they can provide banking services with lower fees and fewer limitations than traditional banks. Since you hold your own assets — a concept known as self-custody — you don’t have to worry about a bank freezing your account, going bankrupt, or restricting access to your funds.
Most of the work is handled by smart contracts — automated computer programs that execute rules without needing human approval.
This automation makes the system faster, safer, and more transparent.
Because deobanking is still a young concept, there isn’t a strict checklist. Still, a typical deobank will usually include:
With traditional cards, your crypto stays stuck until you:
🚫 Find exchanges
🚫 Deal with P2P
🚫 Wait for buyers
🚫 Risk failed trades
The WeFi way eliminates all of that:
✅ Direct crypto spending
✅ No P2P marketplace drama
✅ No blocked funds or failed trades
✅ Just 1.5% transaction fee for complete peace of mind
Find an exchange
Sell your USDT
Wait for buyers
Deal with delays & fees
Transfer to bank
Finally spend your money
Direct Crypto Spending Worldwide
No Need to Move It
Instant Transactions
1.5% Transaction Fee Only
Spend Crypto Directly
Again, No Need to Touch It
You've Been Spending Since Step 1
WeFi is introducing a new generation of onchain bank accounts that unite fiat and crypto into one seamless experience. No more switching between banking apps, exchanges, and wallets — every asset you own can now live in a single, smart-contract-secured account.
Manage traditional currencies like USD, EUR, AED, and THB alongside BTC, ETH, WFI and more, with full visibility and instant access. Make international payments in seconds, convert fiat to crypto at real-time rates, and use your funds directly through Apple Pay or Google Pay.
This is banking redesigned: global, instant, and fully onchain, giving you complete freedom over how your money moves and grows.
WeFi connects directly to Visa Direct and SWIFT, enabling true global interoperability between banks, cards, and blockchain accounts.
With Visa Direct, you can send money to millions of cards worldwide, often receiving it within minutes. SWIFT gives you access to banks in virtually any country—but without the slow payment processing and traditional banking hassles.
WeFi routes transfers intelligently based on currency, region, and speed, ensuring that international payments are processed quickly, transparently, and cost-effectively.
Start sending and receiving money worldwide in minutes — with lower fees, no delays, and full on-chain transparency.
Cross-border payments become effortless with WeFi. Whether you're sending USD to Europe, receiving EUR from the Middle East, or transferring AED to Asia, the entire process is near-instant and fully onchain.
Funds no longer get stuck for days in correspondent banks — WeFi uses a combination of stable settlement rails, smart contracts, and direct integrations to deliver money in seconds.
For freelancers, businesses, expats, and global travelers, this means fast payments, predictable fees, and complete control over your international financial life.
WeFi continues to expand its financial ecosystem with powerful new capabilities designed to bring traditional banking and Web3 together:
Be the first to unlock upcoming features like on-chain bank accounts, instant crypto ↔ fiat swaps, global transfers, and smart-contract loans.
Top up your account in seconds and spend anywhere you go.
One card. One app. Total freedom.
Use crypto like cash — anywhere, anytime.
Where crypto meets your everyday life. Shop, dine, or travel using your digital assets through the WeFi card — accepted by over 140 million merchants worldwide.
A fast and secure digital card ready to use for online shopping or mobile payments — no physical wallet required.
Your everyday essential — simple, convenient, and accepted almost everywhere you shop.
A premium experience in your pocket. Crafted from metal, built to last, and packed with exclusive rewards and benefits.
You control your assets and private keys — no banks, no freezes, no custodians.
Use virtual and physical Visa cards globally and pay with crypto like regular money.
Earn through cloud mining, staking, liquidity pools, and yield farming — no hardware needed.
AI handles compliance, taxes, portfolio optimization, and DeFi strategy recommendations.
Low fees, instant global transfers, and easy access for underserved regions.
Manage, spend, track, and grow your portfolio across 7,000+ crypto assets – all in one app.
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