Earn a fixed 5% APY on your deposits.
Completely private. Self-custodial. Yours — in 195+ countries from day one.
No identity layer, no visibility into your activity. Your funds, your keys, always.
Verify your identity once and unlock the full product suite — loans, mortgages, full fiat access — without giving up self-custody.
Up to 12× higher than traditional banks. Yield that works for you — not them.
Your base rate is a fixed 5% APY. Active users earn more — automatically.
Refer users to unbank and earn an additional 0.25% APY boost for each qualifying referral. Share the protocol, grow your yield.
Hit monthly swap and transaction volume thresholds to unlock a 0.50% APY boost. The more you use unbank, the more you earn.
Stay with unbank and your rate grows over time. Long-term depositors unlock a 0.25% APY loyalty boost — automatic, no action required.
Select Private for full anonymity, or Compliance to unlock credit products. Switch anytime — the choice is always yours.
Create a wallet in-app. Keys are generated on your device only. We never see them.
Fund via bank transfer, stablecoin, or crypto. Start earning your fixed 5% APY immediately. Withdraw anytime, no lock-up.
Your balance grows every second — not monthly, not daily. Continuous yield, always on. Watch it happen in real time above.
Every transaction visible in real time. No black boxes, ever.
All operations governed by independently audited, immutable smart contracts. No single point of failure.
No account fees. No hidden charges. We earn from yield spread and transaction fees — fully disclosed upfront.
195+ countries. No local bank required. Works for anyone with a phone and an internet connection.
To give every person on earth access to private, sovereign financial services — without permission, without surveillance, without compromise.
Banking without banks · Finance without gatekeepers · Money without surveillance
Bank transfer, stablecoin, or crypto. No complicated setup — funds arrive in minutes.
Access your funds instantly, 24/7. No notice periods, no minimum amounts, no questions. It's your money.
We read every application personally and are happy to answer questions before you apply. Reach out directly and a founder will respond.
500 spots. We're selecting beta users now.
Every application is reviewed personally.
Private by design. Yours by right. · unbank.xyz