This website is an independent informational resource. The official WeFi website: wefi.co

World's First Deobanking Platform

WeFi Deobanking Platform — Your Keys. Your Money.

WeFi — deobanking platform combining a crypto card, ITO mining software, non-custodial accounts, and the $WFI utility token.

Launch the App →Explore Ecosystem

200K+

registered users

$150M+

monthly volume

7,000+

supported assets

153

jurisdictions

WeFi on-chain financial infrastructure for Deobanks on WeChain
✓

Key Takeaways

  • Platform

    WeFi is a Deobanking Platform — not a bank. Services via regulated partners.

  • Card

    WeFi Card: 140M+ merchants, 1.5% fee with Energy, 0% FX.

  • Mining

    ITO Mining is a software product — not an investment. 8-year schedule.

  • $WFI

    Utility token, not investment. Powers fees, Energy, WeChain gas.

  • Users

    200,000+ users worldwide since September 2024.

  • Custody

    Self-custody via MPC wallets — you hold the keys across 153 jurisdictions.

Not financial advice. Independent resource — not the official WeFi website.

At a Glance

Quick Facts About WeFi

WeFi launched in September 2024 as the world's first Deobanking Platform — a decentralised ecosystem providing access to services through regulated partners across multiple jurisdictions.

About DeoFin →What is Deobanking? →

WeFi Ecosystem — Key Facts

Platform TypeDeobanking Platform (Decentralized On-Chain Banking)
LaunchedSeptember 2024
Total Users200,000+ worldwide
Monthly Volume$150,000,000+
Operational Nodes500,000+
Jurisdictions153
Blockchain (Current)Binance Smart Chain (BEP-20)
Blockchain (Future)WeChain — Layer-1 built on Cosmos SDK
Utility Token$WFI — fixed supply of 1,000,000,000
MiningITO Mining — software product, no hardware required
Mining Duration8-year algorithmic distribution schedule
Card Fee1.5% with Energy / 3% without Energy
Card FX Fee0% on supported currencies
Card Coverage140M+ merchants worldwide
Custody ModelSelf-custody via Multi-Party Computation (MPC) wallets

Based on public data. Refer to wefi.co for official details.

Trusted in the industry

Major publications talk about us

Financial media, crypto outlets, and fintech platforms have covered WeFi.

CCN
CoinGape
Business Insider
Cointelegraph
CoinDesk
CoinMarketCap
New York Post
Forbes
Reuters
The Independent
BeInCrypto
TheStreet
WIRED
The Block
Decrypt
Benzinga
cryptonews
Investing.com
Kitco
CCN
CoinGape
Business Insider
Cointelegraph
CoinDesk
CoinMarketCap
New York Post
Forbes
Reuters
The Independent
BeInCrypto
TheStreet
WIRED
The Block
Decrypt
Benzinga
cryptonews
Investing.com
Kitco

The Problem with Traditional Finance

The Wealth Paradox

Those who generate the most value capture the smallest share. A century-old design flaw.

Stakeholder

What They Do

What They Get

Users

Power the entire ecosystem through every transaction, deposit, and interaction

Nothing. Value extracted at every turn.

Marketers

Drive billions in revenue through customer acquisition and brand building

Salaries, one-time fees

Affiliates

Build network, grow user base, create trust and community engagement

One-time commissions

?

What if the system rewarded the people who actually create the value?

Source: WeFi Infrastructure Research. McKinsey Global Banking Annual Review 2025 — banking sector net income reached $1.2 trillion in 2024.

WeFi deobanking platform
About WeFi

What Is WeFi? Not a Bank — A Deobanking Platform

WeFi is not a bank. It connects blockchain infrastructure to card payments and on-chain accounts through regulated partners. You keep custody through MPC wallets.

  • Access to financial services via regulated partners
  • Self-custody via MPC wallets — you hold the keys
  • Operational in 153 jurisdictions worldwide
Explore the Ecosystem

How WeFi Works

Built on Three Technology Pillars

WeChain handles settlement, the Deobank model manages custody, and $WFI powers the token economy.

The Financial Blockchain

WeChain.

WeChain handles on-chain settlement for the WeFi ecosystem. Compliance rules are programmable at the network layer, not bolted on afterward.

  • ·Fast onchain settlement
  • ·Programmable smart contracts
  • ·Cross-chain interoperability

Banking-as-a-Service

Deobank Model.

On-chain infrastructure for compliant banking. MPC wallets keep asset ownership separate from platform operation. Custody stays with the user.

  • ·Self-custody via MPC wallets
  • ·Onchain Banking Accounts
  • ·AI behavioral credit scoring

Programmable Incentives

$WFI & Energy.

$WFI is the utility token. Energy is the loyalty metric earned by holding it. Spend Energy to cut card fees from 3% to 1.5%. Fixed supply of 1B tokens, 8-year distribution schedule.

  • ·Fixed 1B token supply
  • ·8-year emission schedule
  • ·Non-volatile Energy rewards

Traditional Banks vs WeFi

How WeFi Differs from Banks and Neobanks

WeFi's model differs from traditional and neo-bank offerings on custody, fees, and crypto support.

Feature

Traditional Bank

Neobank

WeFi

Custody

Bank-controlled

Bank-controlled

Self-custody (MPC)

Transparency

Opaque ledgers

Partial

Full on-chain

Card Fee

2–5%

1–3%

1.5% with Energy

Crypto Support

None

Limited

7,000+ assets

Account Freeze

Possible

Possible

Not possible

Global Access

Limited

Moderate

153 jurisdictions

Spending Rewards

None

Cashback only

Spending-as-Mining

Based on publicly available information. Independent analysis — not official WeFi data.

WeFi Ecosystem

Explore the WeFi Ecosystem

Six components, each with a distinct role in the platform.

WeFi Card

Crypto Card at 140M+ Merchants

WeFi Card connects your non-custodial crypto account to the global payments network. Pay anywhere with 1.5% fee when using Energy — or 3% without. Zero FX fees on supported currencies.

  • Virtual, Plastic, and Metal card tiers
  • 0% FX on supported currencies
  • Every payment builds Mining Power
Explore WeFi Card
WeFi Card global payments
WeFi ITO Mining app
ITO Mining

Software Infrastructure for $WFI Distribution

ITO Mining Units are software-based infrastructure products that participate in WeFi's algorithmic $WFI distribution model. No hardware required — runs in the cloud over an 8-year schedule.

  • 8-year algorithmic distribution schedule
  • Programmatic halvings every 2 years
  • No hardware required — fully cloud-based
Learn About ITO
Utility Token

$WFI — Fees, Gas, and Energy

$WFI is the native utility token. Fixed supply of 1 billion — no inflation. Powers card fee reduction, Energy farming, and gas on WeChain.

  • Fixed supply of 1 billion tokens — no inflation
  • Powers card fee reduction via Energy
  • Native gas token on WeChain L1
Explore $WFI Token
WeFi ecosystem
WeFi Energy app
Energy

Decentralized Loyalty System

Energy is WeFi's loyalty metric. Hold $WFI to earn it, then spend it to cut your card fee from 3% to 1.5%. The price rises by $0.10 per $1M burned.

  • Earn by holding $WFI tokens
  • Reduces card fee from 3% to 1.5%
  • Non-volatile programmatic pricing (+$0.10 per $1M burned)
Explore Energy
Layer-1 Blockchain

WeChain — Built for Financial Services

WeChain is WeFi's Layer-1 blockchain built on Cosmos SDK. It runs on-chain ITO mining, dApps, and POS terminals.

  • Built on Cosmos SDK — fast & interoperable
  • Powers ITO mining and on-chain dApps
  • Foundation for AI fintech agents on-chain
Explore WeChain
WeChain Layer-1 blockchain
WeFi deobanking platform account
Deobanking Platform

One App. 7,000+ Assets. Full Control.

Self-custody MPC accounts connected to global payment infrastructure. Financial services via regulated partners in 153 jurisdictions — no bank required.

  • Non-custodial MPC wallet — you hold the keys
  • 7,000+ supported digital assets
  • Operational across 153 jurisdictions
Explore Platform

Security & Compliance

Security and Compliance Infrastructure

WeFi runs on self-custody architecture backed by regulated partners in multiple jurisdictions.

Security Architecture

Fireblocks Institutional Custody

WeFi integrates Fireblocks for custody security — the same infrastructure used by major institutional exchanges.

MPC Wallets — Self-Custody

Multi-Party Computation wallets separate asset ownership from platform operation. You hold the keys.

Zero-Knowledge Proofs

ZK-Proofs verify transactions without revealing the details, so your transaction data stays private.

AI-Powered KYC

Face recognition for KYC. Meets global regulatory requirements.

Regulatory Framework

Wefi Payments Limited

Canada

Fiat payment services provider

WeFi Europe s.r.o.

Czech Rep.

Virtual asset service provider

WeFi Asia Limited

Hong Kong

Digital asset services

WeChain Foundation

St. Vincent

Blockchain infrastructure entity

Services provided through regulated partners. WeFi is not a bank.

How to Start

Access the WeFi Ecosystem

Five steps to start exploring the deobanking platform — takes under 10 minutes.

01

Create Your WeFi Account

Register via the WeFi platform using your email.

02

Get ITO Units

ITO Units are software infrastructure products participating in the algorithmic $WFI distribution. No hardware required.

03

Activate Your WeFi Card

Order virtual or physical card through licensed partners. 1.5% fee with Energy, 140M+ merchants worldwide.

04

Earn Energy via $WFI

Hold $WFI to generate Energy. Spend Energy to reduce card fees from 3% to 1.5% and unlock tier benefits.

05

Grow Your Network

Share your referral link on Telegram, YouTube, or social. Track activity through the WeFi dashboard.

Get Started on WeFi →

Referral Program

KOL & Community Referral System

WeFi has referral tracking built into the platform. Share your link, and all activity shows up transparently on-chain.

  • ✓Transparent on-chain tracking
  • ✓Designed for creators and KOLs
  • ✓Participate in ecosystem growth mechanics
  • ✓No hardware or setup required
Join the Ecosystem →

How the Referral Program Works

1

Register on WeFi

Create your account and access the referral dashboard within the app.

2

Get Your Referral Link

Share your unique link across Telegram, YouTube, Twitter, or any channel.

3

Track Referrals On-Chain

Monitor activity transparently through the WeFi platform dashboard.

4

Access Platform Mechanics

Participate in platform-level rewards as your network grows.

B2B Solutions

WeFi for Business

POS terminal network, mobile app POS, on-chain ATMs, and white-label Web3 payment infrastructure for crypto businesses operating globally.

  • POS terminal network for crypto businesses
  • White-label Web3 payment infrastructure
  • On-chain ATMs and mobile app POS
Explore B2B Solutions
WeFi B2B payment solutions — POS terminals and on-chain ATMs

FAQ

Frequently Asked Questions

WeFi is a Deobanking Platform, not a bank. It routes services through regulated partners — card payments, on-chain accounts, ITO mining, and $WFI token infrastructure. Launched September 2024.
No. ITO Mining Units are software products running on WeFi's infrastructure. They participate in the algorithmic $WFI distribution schedule over 8 years. No returns, profits, or financial outcomes are promised.
WeFi Cards are accepted at 140M+ merchants. The fee is 1.5% if you have Energy, or 3% without. FX fees are 0% on supported currencies. Each payment also builds your Mining Power.
Energy is WeFi's loyalty metric — not a token or investment. Hold $WFI to earn it, spend it to cut your card fee from 3% to 1.5%. The price grows by $0.10 for every $1M burned globally.
The WeFi team includes ex-members from Tether, Wise, Bitpanda, and the National Bank of Abu Dhabi. Launched September 2024, the platform reached 200,000 users in under two years.
WeFi uses a multi-entity structure across several jurisdictions. Fiat services run through Wefi Payments Limited, FINTRAC-authorized in Canada. Additional entities cover Czech Republic, Hong Kong, and St. Vincent. WeFi is not a bank.
No. DeoFin is an independent informational resource about the WeFi ecosystem. We are not affiliated with or operated by WeFi. For official information, visit wefi.co.

About This Resource

DeoFin is an independent resource about the WeFi ecosystem, run by KOL community members with crypto and Web3 backgrounds. Content comes from WeFi's public channels — wefi.co and gitbook.wefi.co.

We do not provide financial, investment, or legal advice. We are not affiliated with or operated by WeFi.

Last Updated

May 2026

Learn

Learn How WeFi Works

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Review

WeFi Review 2026: Honest Independent Analysis

Full breakdown of WeFi's card, ITO mining software, and $WFI utility — what works, what to watch.

Read →

Education

What Is Deobanking? The Complete Guide

How deobanking differs from traditional banking and DeFi — and why it represents a new financial category.

Read →

Comparison

WeFi Card vs Crypto.com Card: Fee Breakdown

Side-by-side comparison of fees, limits, and crypto support — based on public data.

Read →

Step-by-step Tutorials

How to set up your card, stake $WFI, configure Energy, and more.

View Tutorials →

Join 200,000+ Users
Exploring Deobanking

Access the WeFi deobanking platform via wefi.co.

Get Started on WeFi →Learn More

Independent informational resource. Not financial advice.