# Blend

> Non-custodial Yield Coordination Engine built on the Separately Managed Account model. Documentation for users, Risk Architects, and integration partners.

## Docs

- [Get or create account](https://docs.blend.money/api-reference/account/get-or-create-account.md): Looks up or creates an account for the given EOA address. The Safe address is computed deterministically from the EOA and the account type's salt nonce — no chain ID is required.
- [Request Safe deployment](https://docs.blend.money/api-reference/account/request-safe-deployment.md): Enqueues a Safe wallet creation request for the given chain. Deduplicates requests within a 24-hour window.
- [Resolve Safe on a chain](https://docs.blend.money/api-reference/account/resolve-safe-on-a-chain.md): Validates whether the account's Safe wallet is deployed on the specified chain. If found on-chain, updates the account's `chainsDeployed` list and returns a validated response.
- [Current multi-chain balance](https://docs.blend.money/api-reference/balance/current-multi-chain-balance.md): Returns the account's current vault balance across all configured chains, broken down per chain with fiat and underlying token values.
- [Historical balance snapshots](https://docs.blend.money/api-reference/balance/historical-balance-snapshots.md): Returns time-series balance snapshots for the account, ordered chronologically. Each entry includes fiat value, underlying value, yield accrued, and a per-chain breakdown.
- [Deposit quote](https://docs.blend.money/api-reference/deposit/deposit-quote.md): Returns a fully executable deposit quote for bridging and depositing funds from any supported chain into the vault. The response includes ordered transaction steps, fee breakdown, and time estimate.
- [Supported deposit chains](https://docs.blend.money/api-reference/deposit/supported-deposit-chains.md): Returns all supported EVM chains for cross-chain deposits, with display metadata and icon URLs. Cached for 5 minutes.
- [Token catalog](https://docs.blend.money/api-reference/deposit/token-catalog.md): Returns priced tokens available for deposit on the given chain.
- [Position event history](https://docs.blend.money/api-reference/positions/position-event-history.md): Returns all deposit, withdrawal, and rebalance events for the account across all deployed chains, sorted by block time descending.
- [Returns calculation](https://docs.blend.money/api-reference/returns/returns-calculation.md): Calculates the account's returns as the difference between current vault balance and net deposits (deposits minus withdrawals).
- [Supported withdrawal destinations](https://docs.blend.money/api-reference/withdraw/supported-withdrawal-destinations.md): Returns available destination chains for withdrawals, including the loan token address to receive on each chain. Cached for 5 minutes.
- [Withdrawal calldata](https://docs.blend.money/api-reference/withdraw/withdrawal-calldata.md): Builds pre-signed withdrawal calldata across all required source chains. The server selects chains with the largest vault balances to satisfy the requested amount (greedy allocation).
- [Yield breakdown](https://docs.blend.money/api-reference/yield/yield-breakdown.md): Returns the yield breakdown for the account type's vault configuration. This is a tenant-level endpoint — no account ID is required.
- [Contracts](https://docs.blend.money/architecture/contracts.md): Core contracts and high‑level interfaces referenced by the system.
- [Cross-chain Architecture](https://docs.blend.money/architecture/cross-chain.md): How Blend's current public architecture separates account-scoped APIs from server-built withdrawal execution.
- [Architecture](https://docs.blend.money/architecture/index.md): Blend's architecture is built on isolated user Safes and a modular system that coordinates with trusted DeFi primitives.
- [Safe Accounts](https://docs.blend.money/architecture/safe-accounts.md): Non-custodial Gnosis Safes with permissioned automation, enabling cohesive isolation.
- [Changelog](https://docs.blend.money/changelog.md): Protocol updates, new chain deployments, audit completions, SDK releases, and strategy changes.
- [FAQ](https://docs.blend.money/get-started/faq.md): Answers to the most common questions about Blend: how it works, security, fees, and more.
- [How Blend is Different](https://docs.blend.money/get-started/how-blend-is-different.md): Blend gives every user their own personal Safe instead of mixing funds in a shared pool. Here's why that matters.
- [What is Blend?](https://docs.blend.money/get-started/overview.md): Blend is a non-custodial Yield Coordination Engine. Your neobank uses it to give you your own personal Safe where only you control your funds.
- [Account Types](https://docs.blend.money/integrations/account-types.md): Create product offerings for your users by linking Account Types to Risk Architect Baskets. Support multiple products per neobank.
- [Assets](https://docs.blend.money/integrations/assets.md): How to submit, review, and manage DeFi assets for use in your Baskets through the admin portal.
- [Baskets](https://docs.blend.money/integrations/baskets.md): How to create and manage Baskets: strategy templates with asset allocations, versioning, and vault deployments.
- [Best Practices](https://docs.blend.money/integrations/best-practices.md): Security requirements and integration guidelines for neobanks building on Blend.
- [White-Label & Branding](https://docs.blend.money/integrations/branding.md): Configure branding and understand how Blend identifies your organization in the current neobank integration model.
- [Cross-Chain Integration](https://docs.blend.money/integrations/cross-chain.md): How to implement Blend's current cross-chain flow using token discovery, balance discovery, deposit quotes, and server-built withdrawal payloads.
- [Deposit & Withdraw Flows](https://docs.blend.money/integrations/deposit-withdraw.md): Implement the current public Blend flow: deposits via account-scoped quote APIs and withdrawals via server-built calldata payloads.
- [Integration Fees](https://docs.blend.money/integrations/fees.md): Fee structure for neobanks integrating Blend: per-account deployment costs, cross-chain fees, and revenue model.
- [Flow Plans](https://docs.blend.money/integrations/flow-plans.md): How to manage flow plans: reviewing drift, approving rebalances, and monitoring execution for your Account Types.
- [Integrations](https://docs.blend.money/integrations/index.md): How to build on Blend: create strategies, deploy user accounts, and manage yield products.
- [Integration Onboarding](https://docs.blend.money/integrations/onboarding.md): How to become a Blend integration partner. Application process, organization setup, and member management.
- [Regulatory Alignment](https://docs.blend.money/integrations/regulatory-alignment.md): How Blend's non-custodial SMA architecture aligns with crypto regulation across the US, EU, and global markets.
- [Tutorial: Build a Yield Product](https://docs.blend.money/integrations/tutorial.md): High-level implementation outline for building a Blend-powered yield product with the current public SDK.
- [User Accounts](https://docs.blend.money/integrations/user-accounts.md): How Blend deploys isolated Safes for your users using deterministic account resolution and account-type scoped configuration.
- [Legal](https://docs.blend.money/legal/index.md): Legal documents and policies for Blend Protocol
- [Privacy Policy](https://docs.blend.money/legal/privacy-policy.md): Privacy Policy for Blend Protocol Services
- [Terms of Service](https://docs.blend.money/legal/terms-of-service.md): Terms of Use for Blend Protocol Services
- [Audits](https://docs.blend.money/resources/audits.md): Every audit Blend has completed. All reports are public and available on GitHub.
- [Deployments](https://docs.blend.money/resources/deployments.md): Contract deployment addresses across supported chains.
- [Glossary](https://docs.blend.money/resources/glossary.md): Key terms used in the Blend ecosystem: covering protocol concepts, the Risk Architect model, integration entities, and DeFi primitives.
- [Risk Architects](https://docs.blend.money/risk-architects/index.md): Risk Architects are standalone strategy providers who create Baskets for neobanks on the Blend platform. In Morpho and similar protocols, this role is called a curator or risk manager.
- [Accounts](https://docs.blend.money/sdk/accounts.md): Bootstrap user accounts and read balances, positions, returns, and yield via @blend-money/sdk.
- [Deposit APIs](https://docs.blend.money/sdk/deposits.md): Chain discovery, token discovery, and deposit quote APIs in @blend-money/sdk.
- [SDK Reference](https://docs.blend.money/sdk/index.md): Complete reference for @blend-money/sdk - the current public TypeScript SDK for Blend neobank integrations.
- [Withdrawal API](https://docs.blend.money/sdk/withdrawals.md): Server-built withdrawal calldata API in @blend-money/sdk.
- [Security](https://docs.blend.money/security/index.md): Defense-in-depth: isolated Safes, guards, permissions, and emergency controls.
- [Risk](https://docs.blend.money/security/risk.md): Key risks: smart contract, market, operational, and strategy‑specific.
- [Risk Scenarios](https://docs.blend.money/security/risk-scenarios.md): How Blend's architecture is designed to mitigate specific, real-world failure modes seen in other DeFi & CeFi protocols.
- [Scope](https://docs.blend.money/security/scope.md): Protocol philosophy: what Blend does and does not do.
- [Toxicity](https://docs.blend.money/security/toxicity.md): Early-warning indicators and automatic response policy.

## OpenAPI Specs

- [openapi-integration](https://docs.blend.money/openapi-integration.yaml)
- [openapi](https://docs.blend.money/api-reference/openapi.json)

## Optional

- [Community](https://discord.gg/W4kk2RNAwj)
- [GitHub](https://github.com/BlendMoney)