Encrypto
The Sovereign Liquidity Layer for the global economy.
Encrypto is a crypto-native neobank that eliminates the friction between holding digital assets and spending them in the real world. We abstract away the complexity of bridging, swapping, and off-ramping — so users can hold any crypto and spend it instantly, anywhere Visa is accepted.
Traditional finance built payments infrastructure for a world of fiat currency. That infrastructure is slow, expensive, and excludes billions of people. Crypto solved the money problem but created a usability problem — you can hold a portfolio worth six figures and still can't buy coffee with it.
Encrypto solves this by sitting at the intersection of on-chain liquidity and off-chain payments. Our Liquidity Engine handles real-time asset conversion, slippage optimization, and settlement — so end users just see a card that works.
What We Build
| Product | Status | Description |
|---|---|---|
| Encrypto Card | Live | Visa debit card funded by your crypto. Spend anywhere. |
| P2P Wallet | Live | Send and receive USDC on Base. Embedded wallet, no seed phrases. |
| Credit & Lending | Coming Soon | Borrow against your crypto. Collateralized and uncollateralized lines. |
| Yield | Coming Soon | Earn yield on idle assets through curated DeFi strategies. |
Why Crypto-Native
Most fintech products are built on legacy banking rails and bolt crypto on as an afterthought. Encrypto is built the other way around — crypto-native infrastructure with fiat as the output layer.
This matters because:
- Settlement is faster. On-chain settlement is final in seconds, not days. No chargebacks, no holdbacks, no three-day ACH delays.
- Liquidity is global. We tap into on-chain DEX liquidity across multiple chains, not a single market maker's order book.
- Custody is non-custodial by default. Users hold their own keys through embedded wallets. We never take custody of user funds.
- The unit economics are better. No interchange middlemen, no correspondent banking fees, no nostro/vostro account management. Just clean on-chain settlement.
Who This Is For
- Crypto holders who want to actually use their assets without off-ramping to a bank account and waiting three days.
- People in Latin America and emerging markets who are underserved by traditional banking and deal with currency volatility daily.
- Anyone who wants a financial account that works globally from day one, without geographic restrictions or minimum balances.
How to Get Started
Encrypto is currently in invite-only early access. You can request access through the app or via a referral from an existing user.
- Go to app.encrypto.fun
- Verify with your X (Twitter) account
- If approved, complete identity verification
- Your Encrypto Card and wallet are ready immediately
Questions? Reach out on X (@tryencrypto).