Superform
Superform Labs
Superform presents itself as a fully on-chain, user-owned neobank, audited, with over $180M in deposits and a 9/10 privacy score. The product is, however, on-chain only, has no physical card and carries the typical risks of DeFi; note also that the data indicate a custodial model, in tension with the claim that funds are never held by the platform.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | condiviso |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| Interest on balance | 8.4% |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Light |
| Supported countries | US, EEA, APAC, LATAM · 100+ countries |
| Regulator | None |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | None |
Plans & pricing
Strengths
- User-owned neobank: funds mai in custody of the platform; $180M+ depositi;auditato; privacy 9/10.
- Light KYC: minimal identity verification.
Weaknesses
- No card physical; DeFi risk; prodotto puramente on-chain.
- Custodial: the platform holds your funds and can freeze or lose them.
Verdict
One of the highest ratings rewards an audited, user-owned, on-chain project with over $180M in deposits, but the tier should be read with care: no regulator, no deposit guarantee, and the data indicate a custodial model in tension with the claim that funds are never held. With no physical card and the usual DeFi risks, protection for the mainstream user is limited.
Through this lens it is among the best: a fully on-chain, user-owned, audited neobank with light KYC and top-tier privacy (9/10). The ambiguity in the data suggesting de facto custody remains, but the on-chain design and autonomy orientation are consistent with crypto-native values.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Superform a real bank?
Superform is a digital financial service. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Superform?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Superform support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Superform support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Superform?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
- dailyhodl.com Data verified on Jul 11, 2026
- decrypt.co Third-party audit · Include · Cashback · ATM fees · +1 Data verified on Jun 15, 2026
- help.superform.xyz Legal name Data verified on Jun 14, 2026
Show 4 more sources
- alearesearch.io On-chain crypto withdrawals Data verified on Jun 13, 2026
- cantina.xyz Bug bounty Data verified on Jun 13, 2026
- coingape.com Savings interest Data verified on Jun 13, 2026
- dlnews.com Founders Data verified on Jun 13, 2026