massWallets

Branded neobank + stablecoin stack for teams that don’t want a 6-month build.

[massWallets @masswallets]

🚀 Turn your product into a neobank in minutes.

mass[Wallets] is the one-stop factory for branded, non-custodial wallets powered by your own embedded stablecoin.

No code. No liquidity headaches. No compliance stress.
✅ Custom branding & UX
✅ Up to $150K insurance per holder
✅ Full privacy on public chains
✅ Instant DeFi access
✅ Modular on/off-ramps

Create your app. Your own stablecoin is already there.🪙

Follow Uniswap, 1inch & Hyperliquid. Boost stickiness + revenue with your own branded card & stablecoin.

Neobankify with us → https://t.co/dXWgqavzNK or DM @masswallets @massfinance

[massWallets @masswallets]

A branded fintech wallet without rails is a gallery app.

That’s why every branded app comes with personalized named accounts, Apple Pay and Google Pay, and bank + card on/off-ramps in key markets. This enables a global spend, 24/7.

Users don’t have to change their behavior, they simply work with money the way they are used to. The branded units of account sit underneath.

Already have a ramp partner? Keep them. We will plug them in.

[massWallets @masswallets]

76 years ago, the FDIC raised its basic deposit insurance limit from $5,000 to $10,000 - the first increase since 1934.

Adjusted for CPI inflation, that $10,000 in 1950 is worth about $135,000-$139,000 today.

Two more increases followed in the 1960s, lifting the cap to $20,000 by 1969. It doubled again to $40,000 in 1974, then jumped to $100,000 in 1980, where it stayed for the next 28 years.

During the 2008 financial crisis the limit was temporarily raised to $250,000. That higher coverage was made permanent in 2010 and remains in effect today.

Sources:
- https://t.co/BQzHeDRtHk
- https://t.co/0tU7Hufy4L
- https://t.co/v94vXpzj6W

[massWallets @masswallets]

mass[Wallets] Activate Credits

If you are building a wallet, a neobank, or a new stablecoin and the only thing missing is runway for infra — there is a credit line for that.

Activate Founders: up to $50,000 in mass[Credits] for early, self-funded teams.

Activate Growth: up to $250,000 for teams with $500K+ raised or $500K+ revenue.

Tell us what you are shipping. If it is real, we will help you launch it.

Apply → https://t.co/8GPEecRtEM

[massWallets @masswallets]

Right split. Tokenized deposits are bank money with a wrapper. Payment stables are a claim on reserves. A treasurer at HSBC wants the first. A wallet that has to take a freelancer payday on Friday wants the second.

We bundle all the best elements together - named inbound for the wire that must look like a bank credit. Insured liquid branded stable, generating rewards, for the working balance. Do not wait for the wrapper on the bank liability to become an account.

[massWallets @masswallets]

Correct. “Neobank” is a layout. It is not a charter and it is not FDIC. Ask who holds the cash and what fails. Deposit insurance does not follow a wallet.

However you can still recreate something similar: holder-level cover up to $150k against depeg & hacks sits on the unit. Non-custodial branded wallet, named inbound so the deposit has a name, private balances as the default. The word on the home screen is marketing. The insurance and the non-custodial design are the product. This is where we come in.

[massWallets @masswallets]

Scoped verification is the right default. Full KYC for a product the user does not use is how ramps lose the deposit. Once they pass the check they still need a place the payroll can land. Named inbound, insured liquid branded stable with no lockup, private balances as the default. The Customers API should open an account, not just a case file.

[massWallets @masswallets]

@IdMintThat Looks cool. How do you aggregate all pending bills? There might be an interesting partnership that we can do together.

[massWallets @masswallets]

@0xApollo440 Banks will have to evolve to remain competitive. Today’s cross-border payments setup is largely dysfunctional: correspondent banking chains make transfers too expensive and too slow.

[massWallets @masswallets]

@Anthony41225148 @0xApollo440 We are finalizing our second audit of the infrastructure. Neo-banking UI comes next.

[massWallets @masswallets]

Forcing 60% of a payment stable into bank deposits is how you import bank credit risk onto a token that was supposed to sit in paper. Past €100k the holder is an unsecured creditor of the reserve bank. GENIUS pointed the other way.

Now imagine you can pair the reserve mix with holder-level insurance up to $150k against depeg, hack and freeze, on a liquid branded stable. This is where we come in.

[massWallets @masswallets]

Most of those 14 were a Visa sticker on a hot wallet and a sponsor bank they did not control. When the BIN moves or the issuer changes program, the app is a screenshot.

The stack that survives a sponsor swap: non-custodial branded wallet, insured liquid stable as the cash leg with no lockup, card that spends it, named inbound for the fiat that has to look normal. You can change processors. You should not have to change the unit the user thinks they hold.

[massWallets @masswallets]

The customer list is the asset. Public chain made that list the price of admission. Encrypted until the holder reveals is how you put bank secrecy back under the account.

Do it on a rented unit and you hid Circle’s ledger, not yours. Same privacy default on an insured liquid branded stable with no lockup - named inbound, card, private balances and the register you were protecting is a register you actually own.

[massWallets @masswallets]

Private balances are bank secrecy, not a mixer. Encrypted until the holder reveals is the right default for a working account.

A privacy layer that hides USDC is still Circle’s dollar with the blinds drawn. Same flow on an insured liquid branded stable you can launch in minutes — confidentiality sits on a unit whose P&L you keep. The bank can hold a viewing key for the regulator. It does not have to own the cash leg.

[massWallets @masswallets]

@defyneric Underwriting usually doesn’t scale easily. Local players are better suited to know a specific community’s need and risk profile.

[massWallets @masswallets]

Loyalty funded by float + card

Most “crypto loyalty” is a treasury leaking out of a spreadsheet.

mass[Wallets] funds Netflix, Spotify, Xbox, PlayStation-style perks from two lines that already exist once you launch: the revenue on the branded stablecoin, and the interchange on the card.

Users stay because the app pays for something they already buy. You stay profitable because you are not buying that retention with emissions.

[massWallets @masswallets]

@TheBlockCo Now imagine swiping your card at Apple and getting cashback in tokenized $AAPL. Every purchase turns into a sliver of the company you just bought from. This is what we enable for anyone launching a neobank with us.

[massWallets @masswallets]

Kill issuer yield on the cash token. That part is already settled under GENIUS and should stay settled under MiCA. Loyalty points are not a deposit rate if they sit off the unit - earned on spend or activity, claimed somewhere else, cash leg still $1.00.

Bundling “loyalty” into the yield ban is how you freeze every card-style rebate on a euro stable. Programmable rewards on an insured liquid branded stable with no lockup is the design that survives.

[massWallets @masswallets]

Private balances are bank secrecy, not a mixer. Encrypted until the holder reveals is the right default for a working account. A widget that shields USDC is still Circle’s dollar with the blinds drawn. Same flow on an insured liquid branded stable that you can launch in minutes. The confidentiality sits on a unit whose P&L you keep.

[massWallets @masswallets]

@definikos Keep the cash leg at $1.00 - insured, liquid, branded, no lockup. White-label the account and the unit. Do not white-label a Morpho wrapper and call it a balance. This is what we bring to the table.