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Most yield products pool user money into one big pot. One hack drains everyone. And no control can attach to a single user: on-chain, the pool is one address, not your users. Blend gives every user their own Gnosis Safe instead. Blend is non-custodial account infrastructure built on the Separately Managed Account (SMA) model. Your platform uses it to offer yield products without pooling funds or taking custody. Compliance controls run on every account: sanctions screening (OFAC and global lists) and a per-account audit trail. Yield routing is the flagship product on top.

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Pooled vaults vs. Blend

See Accounts & Custody for the full comparison and the custody test.

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How it works

  1. Your platform creates Account Types (e.g. “Savings”, “Growth”, “BTC+”) and picks which vaults to include.
  2. A user signs up and Blend deploys a Safe just for them. They are the sole signer. Blend screens the address against sanctions lists first.
  3. The user deposits through your app. Capital routes within the user’s mandate to venues scored by Philidor.
  4. Yield accrues in the user’s Safe. Rebalancing happens automatically. The user can withdraw at any time.
No one pools funds. No one takes custody. The user owns their Safe and can access it directly at safe.global, even if your app or Blend goes offline.

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Compliance controls on every account

Per-user accounts are what make per-user controls possible. Two run on every account today. Read Compliance Controls for what each control does, when it runs, and what it can never do.

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The flagship product: yield routing

Yield routing runs on this account infrastructure. Capital moves from each user’s own Safe across curated venues like Morpho and Aave, never as a pooled position. Your platform shapes the product: which venues, which risk tiers, which allocations. See Yield on Blend.

Accounts & Custody

Why Blend cannot move funds outside the mandate.

Compliance Controls

Sanctions screening and the audit trail, in detail.

Yield on Blend

Venues, Philidor scoring, and what you control.

Start Building

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Last modified on July 3, 2026