How It Works
- Your neobank offers account types (e.g., “Savings”, “Growth”, “BTC+”)
- You pick one, and Blend creates a personal Safe just for you
- You deposit stablecoins into your Safe
- The strategy runs in your Safe, based on the Risk Architect’s Basket
Key Features
- Your money, your Safe: Funds stay in a wallet only you control. Always.
- Choose your account type: Your neobank offers different products with different risk/return profiles. Pick what suits you.
- Built-in safety net: If something looks risky, the system automatically moves your money back to safety before there’s a problem.
- Works across chains: Deposit from Base, Ethereum, Arbitrum, Polygon, and more. Blend handles the bridging.
- No gas fees: Blend pays all transaction costs for you.
- Ask questions in plain English: Blend Intelligence lets you chat with an AI that knows your portfolio inside and out.
Where Returns Come From
Your returns come from DeFi protocols. The strategy in your Safe, designed by a Risk Architect and chosen by your neobank, deploys your funds across trusted protocols:Morpho Blue
Lending and borrowing protocol used for advanced strategies
Aave V3
One of the largest lending platforms in DeFi
Euler
Lending vaults with flexible interest rates
Pendle
Fixed-rate positions from tokenized assets
Staked BTC
Bitcoin staking from Botanix and other protocols
And more
Euler Earn, Merkl rewards, ERC-4626 vaults, and other vetted sources