Financial Infrastructure for Everyone
Whether you're an end user looking for modern banking or a financial service provider building the next generation of financial products, WeFi has you covered.
Banking Reimagined
A complete suite of financial products that combine the best of traditional banking with the power of blockchain technology.
Onchain Banking Account
Unified fiat-crypto balance that connects to both traditional payment rails and crypto networks. Available in Local (domestic-optimized) and Global (worldwide) variants.
- Unified balance across fiat and crypto
- Direct debit and recurring payments
- Self-service document generation
- AI-powered security monitoring
WeFi Card
Virtual, plastic, and metal card options connected directly to your Onchain Banking Account. Spend anywhere with zero FX fees.
- Virtual, plastic & metal tiers
- Spending-as-Mining rewards
- 140M+ merchant network
- ATM withdrawals worldwide
Cloud-Based Mining
Hardware-free mining via Cloud-Based Mining (CBM) units. Fair distribution model with no pre-sale or insider allocations.
- No hardware required
- 8-year emission cycle
- 180-day vesting
- Algorithmic supply control
Decentralized Credit
AI-powered behavioral credit scoring based on real-time ecosystem activity. Access instant liquidity without traditional barriers.
- Behavioral scoring
- Collateralized & uncollateralized
- Onchain credit history
- Instant approval
Distributed Custody & Wallet Architecture
WeFi's Dual-Wallet Strategy separates asset ownership from operational access, allowing users to choose between daily banking convenience and sovereign cold storage.
Built on Multi-Party Computation (MPC), WeFi provides a "Banking UX" for mass adoption while ensuring users maintain ultimate control and legal ownership of their assets.
Dual-Wallet Architecture
The default operational layer for high-frequency banking, card spending, and income receipt. Seamless UX that mirrors standard banking apps.
Hardware-based security with private keys stored on an NFC card. Physical tap required to sign transactions. Zero platform access.
Traditional vs. Onchain Accounting
The Trust Machine: Every transaction recorded on a public, immutable ledger provides absolute transparency and builds user confidence through mathematical certainty rather than blind trust.
Onchain Accounting Book
Traditional banks operate as closed systems with opaque internal processes. WeFi reinvents this model by recording every transaction on a public, immutable ledger.
Immutable Records
Transactions cannot be deleted, altered, or forged once recorded
Verifiable Truth
Real-time visibility for users and regulators to verify solvency
Cryptographic Security
Distributed ledger secured by cryptography, not institutional promises
What is a Deobank?
A Deobank is a regulated financial service provider that uses blockchain as its core accounting and settlement layer. Unlike neobanks that operate as cosmetic layers on legacy databases, Deobanks provide transparent, efficient, user-sovereign banking services powered by WeChain infrastructure.
Any fintech, bank, payment provider, or financial institution can become a Deobank by integrating with WeFi's infrastructure stack. Deobanks combine their regulatory licenses and local banking relationships with WeFi's onchain technology to offer next-generation financial services.
Deobank vs. Traditional
Banking-as-a-Service
White-label onchain banking infrastructure with full regulatory compliance and multi-currency support.
Distributed Custody
MPC-based wallet infrastructure that gives users sovereignty while enabling seamless operations.
Compliance Infrastructure
Programmable KYC/AML, real-time transaction monitoring, and automated regulatory reporting.
Payment Rails
Fiat onramp/offramp, card issuing, cross-border transfers, and local payment method integration.
Tokenomics Integration
Access to $WFI rewards and Energy loyalty systems to incentivize user engagement.
API-First Architecture
Complete developer toolkit for custom implementations and rapid deployment.