Bureaus decide if you're creditworthy. Not you.
Veera's FIS takes a different approach.
Your onchain activity sets your borrowing power, not a bureau's guess.
Better usage. Better terms.
No paperwork or stranger's approval needed.
Revolut: 45M+ users.
Chime: 22M+.
Two neobanks. Two developed markets. Tens of millions of accounts already onboarded.
APAC, MENA, and LatAm hold multiples of that population and a fraction of the penetration.
Veera is built for that gap.
Earn on Veera doesn't mean locking your money away.
Your balance keeps earning yield while it's still fully yours to spend. Same account, same app, no transfers between the two.
This is how idle funds become active capital.
Your paycheck lands the same day, every cycle.
Smart Salary Routing splits it straight into Earn, Invest, or your card, automatically.
No manual transfers. Your income starts working before you touch it.
300K+ proof-of-human wallets. Real people, not bots, across 187 countries.
Most of them in markets a traditional bank branch has never reached.
These are so much more than just numbers.
It's the addressable market the industry forgot.
75% of UK adults now bank primarily through an app. Zero branch required.
1.3B adults still have no bank account at all, per the World Bank, mostly in the regions where crypto adoption is fastest.
Veera skips the branch everywhere, opening financial freedom without a bank required.
Sending money home in an emerging market can mean days of waiting and a cut lost to a remittance corridor that was never built for you.
Veera moves value cross-border, gasless, in minutes.
No middle-man. No endless delay. Just value for users who need it.
Most cards force a choice: spend now or hold your bags.
Veera's Dual Spending Mode skips it.
→ Debit taps your balance directly.
→ Credit locks crypto as collateral so you borrow and spend without selling.
Your assets keep earning either way.
Most crypto apps ask you to trust a password and hope no one finds your seed phrase.
Veera uses passkeys plus hardware-backed keys inside secure enclaves.
No seed phrase exposure or implicit approvals.
Every action needs your signature. That's the design.
Up to 6% cashback. Tiered. Non-custodial the whole time.
That's Spend on Veera.
Every card swipe pays you back instead of disappearing into a bank's margin.
A look into one of our roadmap items: Tokenized Equities.
US stocks and ETFs, available the same way you already hold BTC, gold or other assets on Veera.
No brokerage account. No separate app. Same wallet you��ve been using, with even more markets.
Crypto here.
Stocks there.
Remittance through a third app.
Credit nowhere if you're underbanked.
This is no one's ideal financial experience.
Too many steps and too much friction.
Veera puts earn, invest, borrow, and spend in one self-custodial app.
In some countries, holding your own currency means losing value every year, with limited to no access to global assets or yield opportunities.
This is just one of the problems Veera is designed to fix.
→ Hold stablecoins
→ Earn yield
→ Spend anywhere.
No bank required.
You need liquidity. Most people sell.
On Veera, you borrow instead.
Your assets stay in your hands.
Your holdings keep earning yield.
You spend what you need.
Never sell to access capital again.
Traditional credit scores track what banks let you do.
Veera's Financial Identity Score tracks what you actually do.
→ Built from your onchain activity.
→ Transparent.
→ Better terms as it grows.
This is what it looks like when your credit works for you.
Up to 10% APY. Hundreds of protocols. Zero custodians.
That's Earn on Veera: your idle capital working the moment it lands, self-custodial the whole time.
No lockups. No middlemen holding your bag.
BTC. Gold. Silver. Tokenized US stocks.
And more.
Veera's Invest pillar puts every asset class in one self-custodial app.
Lump sum, SIPs, or smart paycheck routing. No separate accounts needed for crypto and traditional markets.
Your bank never gave you access to gold.
Or global stocks.
Or real yield on your savings.
Those weren't products built for you.
On Veera, they are.
Available in 187 countries.
Most finance apps are one-way.
Earn stops at yield.
Borrow stops at debt.
Spend stops at zero.
On Veera, every step feeds the next.
Earn → Invest
↑ ↓
Borrow ← Spend
One loop. One app.
2M+ installs. 187 countries. $10M raised.
Most crypto projects at this stage are still in testnet.
Veera is live. Has been for a while.
Join us ↓
https://t.co/lhcsH9Q2oK