More control over
your money than
any bank offers.
A non-custodial savings interface for freelancers. Your funds go directly into an on-chain vault — transparent, auditable, and governed by code rather than by our decisions.
6
Smart contracts
181
Automated tests
0%
Custody of funds
FinBankVault.sol
0x552138ef55e32b656fe303ccdd5b388dfb7bff9b
totalAssets()
€ ···
Total member deposits
Fixed in code. Immutable. Cannot be raised without DAO vote.
Three principles
What makes it
different
On-chain transparency
Every deposit, every yield fraction, every fee is recorded on a public blockchain — verifiable by anyone, in real time. Not a quarterly report.
Open the contract on Basescan and read the rules yourself.
Collective Ownership
$FBK is a cooperative share, not an investment. Distributed freely to users through usage. The DAO is a general assembly that actually works.
Votes executed automatically by code, without intermediaries.
Non-custodial by design
We never hold your funds. Withdrawals are governed by smart contract code — not by our approval. No one at FinBank can freeze your balance.
Residual risks: Morpho Blue, EURC issuer, underlying chain.
How it works
As simple as a banking app.
As transparent as a blockchain.
01
Connect with Face ID
No seed phrase. No password. Your phone's biometric is your key — powered by Base Smart Wallet.
02
Receive a personal IBAN
Connect Monerium to get a SEPA IBAN. Wire EUR from any bank — it arrives as EURe in your wallet within 1 business day.
03
Earn yield automatically
Your funds are placed in Morpho Blue, a DeFi lending protocol. Yield is variable and market-driven. Withdraw anytime.
Comparison
How FinBank compares
to your current options.
Risks & Disclaimers
Be informed before you deposit.
Smart contract risk
FinBank's contracts have not yet been audited by a third party. A bug could result in loss of funds. An audit is planned before mainnet launch.
Variable yield
Yield is determined by Morpho Blue's lending market rates. It fluctuates with supply and demand. Past rates do not guarantee future returns.
Third-party dependencies
The fiat bridge relies on Monerium (regulated). The stablecoin relies on Circle (EURC). Issues with either provider would affect your ability to move fiat.
Regulatory uncertainty
DeFi regulation in Europe (MiCA, PSD2) is evolving. FinBank is a non-custodial software interface — not a bank, not a payment institution.
¹ FinBank cannot close your account or freeze withdrawals. However, Morpho Blue (the underlying protocol) has a guardian mechanism that could pause deposits in an emergency. Your funds would remain withdrawable. This is not financial advice.
Try it on testnet.
No real money.
FinBank runs on Base Sepolia — a test network. Use it to explore the interface with fake funds. Mainnet launches after the security audit.