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Blend is the infrastructure behind your neobank’s savings products. When you deposit money through your neobank’s app, it goes into your own personal Safe - a smart-contract wallet where you are the only signer. Nobody else can touch your funds. Unlike most DeFi apps that pool everyone’s money into one big pot, Blend keeps yours separate. Your neobank picks the strategy. A Risk Architect designs it. Your Safe runs it individually.

How Blend is Different

Security

Architecture

FAQ

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What Happens Under the Hood

  1. Your neobank offers account types (e.g., “Savings”, “Growth”, “BTC+”)
  2. You pick one, and Blend creates a personal Safe just for you
  3. You deposit through your neobank’s app
  4. The strategy runs in your Safe, based on the Risk Architect’s Basket
You don’t interact with Blend directly. Your neobank handles the experience. Blend handles the infrastructure.

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Why This Matters

  • Your money, your Safe: Funds stay in a wallet only you control. Always.
  • No shared pools: If another user has a problem, it can’t affect you.
  • Built-in safety net: If something looks risky, the system automatically moves your money back to safety.
  • Works across chains: Your neobank can offer strategies that span Base, Ethereum, Arbitrum, Polygon, and more.
  • You can always exit: Your Safe is a real Gnosis Safe. You can access it directly, even if your neobank or Blend went offline.

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Where Returns Come From

Your returns come from DeFi protocols. The strategy in your Safe deploys your funds across trusted, audited 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
Want to know what strategies are possible? See What Blend Enables.
Last modified on March 20, 2026