Encrypto is a non‑custodial DeFi neobank that lets users keep control of their private keys while accessing fiat‑backed accounts, a crypto‑linked debit card, and integrated on‑ and off‑ramps for ACH, SEPA, PIX, and other payment rails. The platform aggregates unlimited blockchains and fiat networks, offering instant conversion, FDIC‑insured deposits, $1 M cyber‑liability coverage, and real‑time fraud monitoring. Users can manage cross‑chain payments, earn yield through staking and cashback lotteries, and set spend limits or freeze access directly from a unified dashboard.
Funding
Funding not disclosed
Founders
Product
Problem
Crypto users often lack a unified banking experience that combines self‑custody of digital assets with traditional fiat services, leading to fragmented wallets, limited spending options, and reliance on custodial exchanges that control users’ keys.
Solution
Encrypto provides a non‑custodial DeFi neobank that lets users hold their private keys while accessing fiat‑backed accounts, a crypto‑linked debit card, and integrated on‑ and off‑ramps. The platform aggregates multiple blockchains and fiat networks, enabling instant conversion and transfers between assets such as USDC, ETH, SOL, and local currencies via ACH, SEPA, PIX, and other payment rails. Security is reinforced with FDIC‑insured fiat deposits, $1 M cyber‑liability coverage, and continuous fraud monitoring, while users retain full control through spend limits, freeze options, and permission revocation. A unified dashboard presents transaction history, staking rewards, and referral incentives, allowing users to earn yield, participate in lotteries, and manage cross‑chain payments without leaving the app.
Target Audience
Encrypto targets crypto‑savvy individuals, freelancers, and global consumers who want a single platform to manage both digital assets and everyday fiat spending while retaining full self‑custody.
Features
- Non‑custodial wallet architecture that keeps private keys in the user’s control
- Integrated fiat accounts with FDIC‑insured deposits up to $250 K and $1 M cyber‑liability coverage
- Multi‑chain support for unlimited cryptocurrencies and stablecoins, with automatic routing via Li.Fi for optimal swaps
- Crypto‑linked debit card usable at 150 M+ merchants worldwide, supporting spend limits and instant freeze/revoke controls
- Built‑in on‑ and off‑ramps for ACH, SEPA, PIX, SPEI, wire, and Zelle, enabling fiat‑to‑crypto and crypto‑to‑fiat transfers in a single interface
- Real‑time fraud detection and 24/7 monitoring to protect both crypto and fiat balances
- Yield‑earning features such as staking rewards and cashback lotteries directly visible in the dashboard