Repay Loans

Your Money, Twice.

Deposit. Spend 80%. Earn yield. Get it all back.

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The Problem
$17.5T

sits idle in U.S. savings accounts, earning under 1% while inflation erodes purchasing power every year.

  • High-yield platforms offer 5–15% returns, but complexity and risk keep 99% of people on the sidelines.
  • No insurance. No safety net. No intuitive way in for mainstream users.
  • The result: trillions in value left on the table, every single year.
The Solution

Repay turns idle cash
into double value.

Deposit and get 80% in your wallet, ready to spend immediately. Your full deposit earns ~12% APY, compounding daily, through our yield infrastructure partner, Wise. That yield auto-repays your advance over time. When it's done, your full principal is returned. Your deposit is never lent out, and the unencumbered deposit is what is insured.

Immediate Liquidity

80% of your deposit is spendable on day one, straight from your wallet.

Passive Repayment

Yield auto-repays the advance. No monthly payments. No interest charges.

Full Recovery

When the advance is fully repaid, your entire deposit comes back to you.

How It Works

Four steps. Zero stress.

Step 01
Deposit
$1,000 deposited and earning yield from day one.
$1,000 locked
Step 02
Spend
$800 in your wallet, ready to spend.
80% liquidity
Step 03
Earn
~12% APY, compounding daily, auto-repays your advance over time.
Yield repays advance
Step 04
Recover
Full $1,000 returned when the advance is fully repaid.
Repayment Progress 0% repaid
Day 1 Year 1 Year 2 Year 3 ~4 Years
$1,000 deposit  +  $800 spending  =  $1,800 from $1,000
Your money, twice.
Why We're Different

Built for the other 99%.

Insurance by Default

Coverage through Evertas spans custody, contracts, and company. Because your deposit is never lent out, the unencumbered deposit is what is insured.

Your Money, Back in Full

Every dollar you deposit is yours to reclaim. The advance repays itself; you keep the principal.

Simple by Design

Built for anyone, not just experts. Simple UX that abstracts away all complexity.

Sticky TVL

2–5 year locks create sustainable, predictable yield. No mercenary capital chasing APY spikes.

Market Opportunity
$17.5T

idle in U.S. savings accounts alone

B2C Direct

Mainstream users seeking better returns with real safety nets and insurance coverage.

B2B Enterprise

Corporate treasury and institutional yield management solutions.

B2B2C Partners

White-label for fintechs, HR platforms, and IRA providers.

$100M TVL × 5% spread = $5M/yr recurring revenue

Unit economics scale linearly with TVL growth

Infrastructure Partners

Battle-tested infrastructure.

FV Bank
Cards & Banking
LOI Signed
Wise
Yield Infrastructure Partner
LOI Signed
Evertas
Insurance
Chainlink
Oracles & Monitoring
Plaid / Stripe
Bank Connectivity
Hashlock
Security

Wise marks used under mutual brand terms in the signed LOI with WISEsoft LLC, dba Wise Token.

Team

The people building this.

P

Player1Taco

CEO & Co-Founder

Payment rails and yield infrastructure. Relationships across the full tech stack. StellaSwap, ~$140M peak TVL. 14+ years across blockchain infrastructure.

S

Scott

CTO & Co-Founder

Full-stack engineering and smart contract development. 30+ years of GTM solutions including debit card issuance. Core code contributor to Morpheus.

The Ask
$225K

Post-Money SAFE · $5.5M Cap

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