Send money like a message
Pay anyone in stablecoins, any day, in seconds. Network fees covered where supported.
Onchain finance, without the friction.
Hold stablecoins, pay anyone and earn in onchain markets. All from a smart account only you control.
Built on trusted infrastructure
- Base
- Privy
- Bridge.xyz
- LI.FI
- Circle
- Lead Bank
- Banking Circle
What you get
Everything stablecoins can do.
No seed phrases, no fee tokens, no juggling wallets. Send, exchange and earn from one account.
Onchain finance, one tap away
Lend your balance in public markets like Aave, straight from your account. One tap to deposit, one to withdraw.
Swap stablecoins at market rates
Swap between stablecoins through onchain liquidity, with the rate shown before you confirm.
Defied EarnOpen markets. Your call.
Lend your balance in public onchain markets, straight from your account. One tap in, one tap out.
Rates are set by each protocol, move with the market and are never guaranteed. Withdrawals depend on market liquidity. Read the Risk Disclosure
Markets
Markets within reach.
Aave, Compound, Morpho, Spark, Fluid and YO: public, audited protocols, reached from one account with one tap.
Open the web app
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-custodySelf-custody
You hold the keys. Defied Money never does, and nothing moves without you.
Email sign-in
No seed phrase to get started. Your key can be exported at any time if you want your own backup.
Network fees covered
Where supported, there is no fee token to buy before you send or exchange.
Top up from your bank
A personal SEPA IBAN in your name, issued by a regulated partner after a one-time identity check. Available in selected countries.
Audited markets
Deposits go only to public, audited protocols such as Aave, Compound and Morpho.
Regulated partners
Bank transfers and identity checks are run by regulated providers, not by us.
Why not a bank
A smart account, not a bank account.
Same everyday money, different rules.
Read the Risk DisclosureYour keys, not the bank's
Only you hold the keys, so your money stays yours even if Defied Money shuts down. No identity check to get started.
Seconds, not business days
Payments settle in seconds, any day of the year. No cut-off times and no waiting for Monday.
Open, not walled in
Use your balance in other onchain apps and lend it in open markets, straight from your account.
Questions, answered
Defied Money is a non-custodial wallet and software interface for supported onchain services. You can hold, send, receive and use supported stablecoins such as EURC and USDC from a wallet you control. Defied Money does not hold your assets, issue stablecoins or control the third-party protocols you may choose to use.
A non-custodial wallet is a wallet where you, rather than Defied Money, control access to the assets. Your wallet is created with your email and secured by cryptography. Defied Money does not hold customer assets or control the private keys used to access your wallet, and where the wallet infrastructure supports it, you can export your key to a compatible wallet.
Digital assets and decentralised protocols involve risk, including loss of assets, smart-contract vulnerabilities, blockchain-network disruption, loss of wallet credentials, stablecoin issuer risk and regulatory changes. Read our Risk Disclosure before using the service.
No. Stablecoins are not bank deposits, and holdings through a self-custodial wallet are not covered by national deposit guarantee schemes. Assets used with third-party protocols are also subject to their terms and risks.
You can send supported stablecoins from your wallet when the relevant blockchain network is available. If you interact with a third-party protocol, its withdrawal or exit terms, liquidity and technical conditions determine whether and when you can withdraw. Review the protocol’s terms and risks before interacting.
Some third-party decentralised protocols display rates for particular onchain activities. These are current protocol rates, not rates offered or guaranteed by Defied Money. They can change at any time and involve smart-contract, liquidity, market and other risks.
Your assets remain in your self-custodial wallet. Access outside the Defied Money interface depends on the relevant wallet infrastructure, compatible wallet software and blockchain-network functionality. You should keep your credentials secure and understand the recovery options available to you.
Availability and features may vary by jurisdiction and may be subject to eligibility, compliance, provider and technical requirements.
A stablecoin is a crypto-asset designed to reference the value of another asset, such as a fiat currency. EURC references the euro and USDC the US dollar; both are issued by Circle. Defied Money supports them but does not issue, mint, redeem or control them, and does not determine their reserves, redemption terms or regulatory status. Refer to the issuer’s documentation and disclosures for details.
Requirements may vary by feature and jurisdiction. Where available, fiat conversion between fiat currency and supported stablecoins is provided by independent third-party providers and may require identity verification under their terms and applicable law.
Where available, yes. After a one-time identity check, our banking partner Bridge.xyz issues a personal SEPA virtual IBAN in your name. Euros sent to it arrive in your wallet as EURC, and you can send EURC back to your bank the same way. The IBAN is issued and operated by Bridge.xyz under its terms.
Native iOS and Android apps are in testing. Join the waitlist and we will email you the moment they launch.
Defied Money is designed to make wallet use simpler, but self-custody has important responsibilities and risks. Protect your email, device and wallet credentials, and enable two-factor authentication. Defied Money cannot recover assets lost through compromised credentials or irreversible blockchain transactions.
Our mission
Fix the friction. Keep the control.
A self-custodial interface for stablecoins, payments and onchain finance, built for people and businesses who want everyday convenience without handing over control.
Self-custody, always
Defied Money never takes possession of your assets or your keys. You authorise every transaction.
Friction removed
No seed phrases, no fee tokens, no juggling wallets. Sign in with your email and start.
Open markets, direct
Lend in public, audited onchain markets from your own account.
Everyday money
Stablecoins, paid to anyone, settling in seconds, any day of the year.
Transparency
Audited third-party protocols, clear risk disclosures, and our router contracts planned for open source and independent audit.
From the blog.
Plain-spoken guides to stablecoins, self-custody and onchain finance, written for people who want the mechanism, not the hype.
Read all articles
Revolut Alternatives in 2026: An Honest Comparison
The best Revolut alternative depends on the job: Wise wins on international transfers, Paysera on business accounts, your local bank on guaranteed deposits - and a non-custodial account like Defied Money on savings you fully control. An honest look at where each one beats Revolut, and where it doesn't.
Where Does DeFi Yield Actually Come From? An Honest Explanation
Most DeFi yield on stablecoins comes from a simple source: borrowers paying interest on over-collateralised loans, with no bank in the middle taking the spread. Here's an honest breakdown of the three yield sources, when each is sustainable, and the red flags that a rate is too good to be true.
What is a stablecoin? A plain-English guide for Europeans
A stablecoin is a digital version of a currency like the euro or the dollar. It moves at internet speed, works around the clock, and holds its value because it's backed by real money in regulated accounts. Here's how they actually work - and why Europeans are starting to pay attention.
