Decentralized On-Chain Banking — The New Standard
Full control of your money through blockchain accounts, instant crypto spending, global transfers, and smart-contract settlement. Powered by WeFi.
Key Takeaways
- WeFi is a Deobanking Platform — not a bank — giving users full self-custody via MPC wallets
- 200,000+ registered users across 153 jurisdictions as of early 2025
- WeFi Crypto Card accepted at 140M+ merchants — 1.5% fee with Energy, 3% without
- 7,000+ digital assets in one onchain account, no traditional bank account needed
- Licensed through FINTRAC (Canada), VASP (Czech Republic), Hong Kong, and St. Vincent
A bank built on blockchain — where you keep the keys
A Deobanking Platform — short for decentralized on-chain banking — is a new kind of financial infrastructure built on blockchain. It offers familiar banking services like payments, savings, and transfers. One difference: you stay in full control of your money at all times.
How it works
Deobanking Platforms run entirely on blockchain rails, which cuts fees and removes the restrictions of traditional banking. You hold your own assets (self-custody), so no institution can freeze your account, go bankrupt with your funds, or restrict what you do with your money.
- Smart contracts process payments instantly — no human approval
- Every transaction recorded on a public, immutable ledger
- Interest handled automatically on-chain, no counterparty risk
Settlement runs on WeChain — WeFi's purpose-built blockchain on Cosmos SDK.
What WeFi Deobanking Platform includes
- Full control over your assets — no third party can freeze or seize funds
- Traditional banking features: savings, debit cards, yield access
- On-chain payments and transfers via blockchain rails
- Stablecoins for reliable digital money transactions
- Tokenized governance — users participate in platform decisions
Why the old model is broken
Traditional crypto path
- Find an exchange
- Sell your USDT
- Wait for buyers
- Deal with delays and fees
- Transfer to bank
- Finally spend your money
The WeFi way
- Direct crypto spending worldwide
- No need to move funds
- Instant transactions
- 1.5% transaction fee (with Energy)
- Spend crypto directly
- You've been spending since step 1
Everything in one financial super-app
WeFi Crypto Card
- 1.5% fee with Energy
- Accepted at 140M+ merchants
Cross-border transactions
- 0% fee between WeFi accounts
Bank transfers and onramps
- Instant settlements
- Pay with your local method
P2P
- Trade crypto directly with other WeFi users
Loyalty
- Save up to 70% on fees with Energy tiers
Security
- MPC custody — you hold the keys
- Fireblocks institutional infrastructure
What's next on WeFi
International and local bank transfers
Seamless global and domestic transfers with better speed, flexibility, and transparency.
Fiat and crypto onchain bank accounts
Multiple fiat currencies and crypto assets in a unified, fully onchain account.
Instant fiat to crypto exchange
Convert between currencies in real time with fast settlement and competitive rates.
Onchain fiat and crypto loans
Borrowing backed by secure smart contracts — with or without collateral.
Why users choose WeFi
Self-custody
You control your assets and private keys. No bank, no freeze, no custodian between you and your money.
WeFi Crypto Card
Virtual and physical cards accepted at 140M+ merchants. 1.5% fee with Energy, 3% without. Zero FX fees on supported currencies.
Cloud-based mining
ITO Mining Units are software infrastructure products that participate in the algorithmic $WFI distribution — no hardware needed.
Low-cost global finance
Low fees, instant transfers, and access across 153 jurisdictions — no legacy banking required.
7,000+ assets in one app
Manage, spend, and track your portfolio across 7,000+ digital assets — all in one place.
On-chain transparency
Every transaction recorded on a public, immutable ledger. No opaque processes, no hidden fees.
Questions about Deobanking
Start Using WeFi Deobanking Platform
Access the WeFi platform directly at wefi.co.
Independent informational resource. Not financial advice.