About Encrypto

What is Encrypto?

Encrypto is the non-custodial crypto neobank that sits between every crypto asset you hold and every payment surface you can reach. Connect your wallets, exchanges, and DeFi protocols, and Encrypto routes value to a Visa card, local QR, payment rail, bank, or wallet, in one click. You keep your keys. Encrypto routes the value.

Technical overview

Three composable layers, each multi-provider, none of which depends on a single partner. The user signs scoped permissions at payment time. Funds never leave the user's wallet until the moment of swap.

Authorization aggregates spendable balance across self-custodial wallets, embedded wallets, exchange balances, and on-chain DeFi positions, then clears the user-facing leg within the rail's real-time window.

The liquidity engine races parallel quotes across DEX aggregators, cross-chain routers, intent solvers for protocol-position unwraps, and institutional market makers, settling through the path with the highest net output to the user.

Settlement brokers between on-chain stablecoins and fiat through licensed banking and card partners across jurisdictions.

See System Design for the full stack.