Encrypto
Crypto-native finance for the global economy.
Encrypto is a crypto-native neobank that eliminates the friction between holding digital assets and using them in the real world. We abstract away the complexity of bridging, swapping, off-ramping, and banking — so users can hold crypto, spend it instantly anywhere Visa is accepted, earn yield on their balance, and send money to any bank account on the planet.
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 without off-ramping to a bank, waiting days, and paying fees at every step.
Encrypto sits at the intersection of on-chain liquidity and off-chain payments. Built on Bridge (Stripe's stablecoin orchestration platform), our infrastructure handles fiat conversion, multi-chain settlement, and payment rail delivery across 9 blockchains and 6 fiat payment rails. Our Liquidity Engine handles real-time asset conversion through multiple DEX aggregators and market makers — so 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 Visa is accepted. |
| Multi-Chain Wallet | Live | Send and receive USDC across 9+ blockchains. Embedded wallet, no seed phrases. |
| Bank Connection | Live | Connect your bank account. Send crypto to any bank via ACH, wire, SEPA, PIX, or SPEI. |
| Yield | Coming Soon | Earn yield on your balance by default — like a high-interest checking account. Choose your risk level for higher returns. |
| Credit & Lending | Coming Soon | Borrow against your crypto. Collateralized and uncollateralized lines. |
Multi-Chain by Default
Encrypto supports 9 blockchains through Bridge (Stripe), our core infrastructure partner:
| Network | Type | Status |
|---|---|---|
| Ethereum | EVM | Live |
| Base | EVM (L2) | Live |
| Arbitrum | EVM (L2) | Live |
| Optimism | EVM (L2) | Live |
| Polygon | EVM | Live |
| Avalanche | EVM | Live |
| Solana | SPL | Live |
| Stellar | Native | Live |
| Tron | TRC-20 | Live |
Users don't need to think about chains. Deposits are detected automatically, assets are bridged to the settlement layer, and the user sees a single unified balance.
Bank Connection & Off-Ramp
Encrypto connects crypto to traditional banking. Users can link their bank account and move money between their Encrypto wallet and their bank — or anyone else's bank.
- On-ramp: USD from your bank → USDC in your wallet (via ACH, wire)
- Off-ramp: USDC in your wallet → USD in any bank account (via ACH, wire, SEPA, PIX, SPEI)
Send crypto to your grandma's bank account. She doesn't need a wallet, an app, or to understand crypto. She just sees a deposit in her bank.
Supported Payment Rails
| Rail | Currency | Region |
|---|---|---|
| ACH | USD | United States |
| ACH Same-Day | USD | United States |
| Wire (Fedwire) | USD | United States / International |
| SEPA | EUR | Europe |
| PIX | BRL | Brazil |
| SPEI | MXN | Mexico |
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, powered by Bridge's stablecoin orchestration platform.
This matters because:
- Settlement is faster. On-chain settlement is final in seconds, not days. Bridge's stablecoin rails settle cross-border transfers in minutes — not the 2-3 days required by traditional correspondent banking.
- Liquidity is global. We tap into on-chain liquidity across 9 blockchains through multiple DEX aggregators and market makers — not a single venue's order book.
- Yield is built in. Crypto infrastructure enables yield that traditional banking can't offer. Users earn on their balance by default, with the option to increase risk for higher returns.
- The economics are better. Bridge eliminates the overhead of correspondent banking — no nostro/vostro accounts, no SWIFT fees, no multi-day clearing. Lower infrastructure costs mean we can pass yield and savings to users that banks structurally can't.
- Compliance is institutional. Bridge (Stripe) handles KYC, sanctions screening, and transaction monitoring at the platform level — the same compliance infrastructure used by the largest payment companies in the world.
Who This Is For
- Crypto holders who want to actually use their assets without off-ramping to a bank account, waiting days, doing manual transfers, and paying fees at every step.
- People in emerging markets — Latin America, Africa, and Asia-Pacific — who are underserved by traditional banking and deal with currency volatility, inflation, and limited access to USD-denominated accounts.
- Anyone who wants a financial account that bridges crypto and traditional banking — hold stablecoins, spend with a card, and send money to any bank account.
Target Markets
Encrypto is focused on emerging markets where crypto-native finance solves real problems:
- Latin America — Argentina, Brazil, Mexico, Colombia, and more. High inflation, currency controls, and large unbanked populations make dollar-denominated accounts essential.
- Africa — Nigeria, Kenya, South Africa, and expanding. Mobile-first populations with high crypto adoption and limited traditional banking infrastructure.
- Asia-Pacific — Selective expansion based on regulatory clarity and market demand.
- United States — Core market for card issuance and USD banking rails.
We're not trying to be everywhere at once. We expand selectively to markets where we can provide full product coverage — card issuance, bank connectivity, and local currency off-ramps.
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 (@encryptodotfun).