Yoney combines a real bank account experience (IBAN, local transfers, card) with a self-custody crypto wallet — in one interface — powered by an AI finance layer.

Yoney is designed so you control your crypto through your own approvals and security settings. Yoney does not access your private keys for self-custody accounts.

Yield is generated through onchain strategies such as lending and liquidity markets, packaged into simple vaults with transparent breakdowns.

Yes. You can send value in crypto and the recipient can receive fiat to a bank account or card, depending on availability and region.

When you send crypto to someone without a crypto wallet, they receive it as fiat currency in their bank account.

Yoney adds a new layer on top of your money: a personal CFO that continuously understands your full financial picture — spending, cashflow, obligations, and onchain positions — and turns it into a living strategy. Instead of giving generic advice, it prepares execution-ready plans (optimize, allocate, rebalance, automate) with clear trade-offs, and runs only with your approval or within the rules you set.

We're launching in stages. Join the waitlist and we'll notify you as soon as Yoney opens in your region.