Your Money, Twice.

Deposit stablecoins. 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.

  • DeFi protocols offer 5–15% yields, 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 stablecoins and get 80% loaded onto a debit card for immediate spending. Your full deposit earns ~10% APY through DeFi yield protocols. That yield auto-repays your loan over time. When it's done, your full principal is returned. Insurance covers everything.

Immediate Liquidity

80% of your deposit is spendable on day one via the Repay debit card.

Passive Repayment

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

Full Recovery

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

How It Works

Four steps. Zero stress.

Step 01
Deposit
$1,000 stablecoins locked and earning yield from day one.
$1,000 locked
Step 02
Spend
$800 loaded to your Repay debit card, ready to use.
80% liquidity
Step 03
Earn
~10% APY yield auto-repays your loan over time.
Yield repays loan
Step 04
Recover
Full $1,000 returned when the loan is fully repaid.
Loan 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

Every deposit is covered. Not optional. On-chain insurance through Wise and Evertas.

Non-Custodial

Your keys, your crypto. We never hold your funds. Full self-sovereignty from day one.

Grandpa-Friendly

Built for everyone, not just crypto natives. 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 × 1% spread = $1M/yr recurring revenue

Unit economics scale linearly with TVL growth

Infrastructure Partners

Battle-tested infrastructure.

FV Bank
Cards & Banking
Wise
On-chain Insurance
Evertas
On-chain Insurance
Chainlink
Oracles & Monitoring
Plaid
Bank Connectivity
Privy / Stripe
Fiat On/Off Ramps
Team

The people building this.

P

Player1Taco

CEO & Co-Founder

Payment rails and DeFi infrastructure. Relationships across the full tech stack.

S

Scott

CTO & Co-Founder

Full-stack engineering and smart contract development.

The Ask
$225K

Post-Money SAFE · $5.5M Cap

$5,000
Minimum Check
MFN
Clause Included
No Pro-Rata
Rights
5–6 mo
Timeline to MVP

Next Round

Pre-seed $1–2M at $10–15M cap. Milestone: working testnet MVP before pre-seed raise.