Cypher provides a non‑custodial Web3 banking platform that connects self‑custody wallets to virtual and physical crypto cards, enabling users to load and spend over 500 tokens from 18+ EVM and Cosmos networks at any merchant that accepts card payments. The system off‑ramps assets to fiat via real‑time stablecoin conversion and offers corporate card features—including multi‑card issuance, spend controls, and accounting integration—for Web3 teams, DAOs, and freelancers.
Funding
Funding not disclosed
Founders
Product
Problem
Cryptocurrency holders lack a seamless way to use their digital assets for everyday purchases without converting to fiat or relying on custodial services. Web3 teams and DAOs also face fragmented expense management, requiring manual processes to pay vendors, contractors, and employees across multiple blockchains.
Solution
Cypher delivers a non‑custodial Web3 banking platform that links any self‑custody wallet to virtual and physical crypto cards. Users can instantly load over 500 supported tokens from 18+ EVM and Cosmos networks onto a card that is accepted at more than 40 million online and offline merchants worldwide. The system converts assets to fiat on demand via a stablecoin off‑ramp, enabling real‑time spending without intermediate exchanges. For organizations, Cypher provides corporate card issuance, Gnosis Safe or Ledger integration, and upcoming accounting sync with QuickBooks and Xero, streamlining on‑chain expense tracking and vendor payments.
Target Audience
The primary users are crypto‑savvy consumers who want to spend digital assets directly, and Web3 teams, DAOs, and freelancers who need streamlined corporate card spend and vendor payment solutions.
Features
- Non‑custodial wallet integration allowing instant funding from any self‑custody wallet (MetaMask, Ledger, Gnosis Safe, etc.)
- Support for 500+ tokens across 18+ EVM and Cosmos blockchains, with built‑in staking capabilities
- Virtual and physical cards equipped with QR and NFC payment methods, accepted at 40 M+ merchants globally
- Real‑time stablecoin off‑ramp that converts USDC to USD for fiat payouts or wire transfers
- Corporate card management: multi‑card issuance, department‑level controls, and spend limits for teams and DAOs
- Upcoming accounting integration to automatically sync blockchain spend with QuickBooks and Xero
- Mobile apps on iOS, Android, and a Chrome extension DApp for on‑the‑go access
- 24/7 support and end‑to‑end encryption for secure transaction processing