Your money works for you. Always.

Defied Money is a non-custodial platform for onchain wealth. It gives you an account only you control, where you can hold, send and exchange digital euros and dollars (the stablecoins EURC and USDC) and put your balance to work in open lending markets like Aave and Morpho - without any technical knowledge. Defied Money never holds your money: you interact with public onchain markets directly, through your own account.

You do. Only you. Defied Money and Privy have no ability to access or move your money. If you wish, you can export your private key and use your account entirely independently of Defied Money at any time.

There are two main risk categories. First, if someone gains access to your email account, they could gain access to your wallet - we strongly recommend enabling two-factor authentication. Second, decentralized protocols carry smart contract risk - the possibility of a bug or exploit. Defied Money only features protocols with extensive audit histories, but we cannot guarantee against future incidents. Funds are not protected by any deposit guarantee scheme. Please read our full risk disclosure before depositing.

No. Defied Money is a software interface for accessing decentralized protocols, not a bank or regulated financial institution. Funds held in your wallet or deposited in DeFi protocols are not covered by any national deposit guarantee scheme.

Yes, with no waiting period imposed by Defied Money. If you have deposited funds into a decentralized protocol, withdrawal terms depend on that protocol - most allow instant withdrawal, though some have waiting periods. We display this information clearly before you deposit.

Most European banks pay very little on savings, often even less after fees. The lending markets Defied Money connects you to typically pay meaningfully more on EURC and USDC - you can see the current rates in the app before you deposit. These rates change over time and carry different risks than a bank deposit - read our risk disclosure for the full picture.

Your money stays with you. Defied Money is a front-end - your onchain account and the lending markets it connects to exist independently. If we disappeared tomorrow, you'd still have full access to your money, through your email login or by exporting your private key into any compatible wallet app. This is the core reason Defied Money is built this way.

Defied Money is available throughout the European Economic Area. A few features - specifically topping up from a bank account and the Visa debit card - depend on our regulated partners being live in your country. When you sign up, we show you exactly which features are available for you.