AlePra00

we are based on moprho all transaparent and on chain, morpho is 9B+ deposits and also a lot of secuoty audits we are non custodial wallett on privy

this is an investement not a lending as this solution, the problems are cash liquidity ( in order to sell the instruet) upfront and downfront commision and yearly also

thanks, any idea in order to start distribution?

yep can be a good distribution but not for start the banks are very slow and we are also a early born startup

You’re right that tech-lilliterate retirees aren’t our customer. Our early adopter is 25-40, digitally comfortable, has money sitting idle not because they’re scared of investing but because they want liquidity and simplicity without decisions. Stocks/ETFs are a different risk profile you can lose 20% in a quarter. Our yield comes from overcollateralized lending (150-200% collateral). It’s not risk-free, but it’s fundamentally different from equity exposure. We’re filling the gap between “savings account earning nothing” and “invested in markets with real volatility” — liquid, passive, stable yield. That gap doesn’t really exist in European fintech today.

Our customer isn’t someone who “wants to invest in crypto.” It’s someone with €20K in a savings account earning 0.5%, who knows they’re losing to inflation but doesn’t want stock volatility or crypto complexity. The fintech promos you linked are real competition but they’re promos. They last 3-6 months, then drop. The yield we offer is structural: it comes from borrowers paying interest on overcollateralized loans, not from a bank’s marketing budget. You’re right that we need to be meaningfully better than promo rates to justify the tradeoff of no government guarantee. That’s exactly why EURc integration matters eliminating FX friction makes the real net return more competitive.

Today: you do a bank transfer, we handle the conversion through a fiat ramp, your money goes on-chain. You never touch Coinbase, never see a wallet address, never sign a transaction. You see a balance and it grows. But honestly, we’re not fully there yet. The ramp still adds friction. The end state we’re working toward is pure web2 experience on web3 rails — feels like opening a savings account at any neobank. Deposit euros, watch your balance, withdraw to your bank. The stablecoins, vaults, and smart contracts underneath should be as invisible as SWIFT is when you send a wire today.

I hear you, but I think you're conflating crypto speculation with what's actually happening in financial infrastructure. We're not selling tokens. Nobody using our product needs to know what a blockchain is. They see a savings account with a better rate that's it. Meanwhile: Stripe acquired Bridge for $1.1B for stablecoin rails. Société Générale is building on Morpho. Coinbase routes lending through it. YC just started offering checks in stablecoins and listed "stablecoin financial services" in their latest RFS. This isn't "crypto" anymore. It's on-chain finance the same way "the internet" stopped being a category and became invisible plumbing. European banks pay 0.5%. Overcollateralized on-chain lending pays 4-7%. That spread exists because banks capture the margin. We remove the middleman. The people who "want to stop the insanity" are exactly our users. They don't want crypto. They want their savings to not lose value. We just use better rails.