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Onchain Banking.
One balance. Two worlds.

The Unified Balance: Your Onchain Banking Account holds one balance that exists simultaneously in both fiat and crypto. When you hold 100 EUR, this means you're also holding the economic total equivalent of 100 EUR fiat and crypto.

How It Works

1

Receive

Get paid in fiat or crypto. Both land in your Unified Balance.

2

Store

Your Unified Balance maintains 1:1 value parity. No conversion needed.

3

Spend

Deone auto-routes the payment path (fiat rails or blockchain rails)

Bank Locally. Spend Globally.

Each card can only be tied to one account type—choose the account that matches your primary spending needs.

Local Account

  • Domestic-optimized
  • Local currencies (EUR, USD, KRW, etc.)
  • Local payment integration

Global Account

  • Worldwide access
  • EUR & USD only
  • Global networks

Zero-Exchange

Your unified balance works everywhere—no spreads, no hidden fees.

Real-World Example — Sarah

Sarah is a freelance designer in Portugal. She receives $5,000 USD from a client in Brazil into her Unified Balance. She now holds $5,000 that works on both fiat and crypto rails. She sends $2,500 to her landlord via bank transfer (fiat rail) and $2,500 to her sister via blockchain (crypto rail). Same balance. Zero conversion. No fees.

Real-World Example — Marcus

Marcus travels between Berlin, Paris, and New York. His Global OBA lets him spend without thinking about exchange rates. His money just works—wherever he is.