Blend
Blend
Data verified on unchanged since the sources
Worth it if you're a developer integrating non-custodial stablecoins via a single SDK: 11 audits from 3 firms with zero declared critical or high findings.
Avoid it if you're an end user or want an established company: it's an early-stage B2B service with undocumented funding, licensing and corporate structure.
Blend is an account-infrastructure layer that provides per-user on-chain accounts with built-in screening, reporting and controls, letting financial platforms offer yield products without holding custody of funds. Live products include DeFi yield routed across Morpho, Aave, Compound, Spark and Pendle (with independent risk ratings) and treasury-backed stablecoin yield (AUSD, Agora). The architecture is non-custodial: funds stay held directly by users on-chain. It targets neobanks, treasury platforms, payroll providers, B2B fintechs and wallet services.
Data & conditions
| Account fee | Not disclosed |
|---|---|
| ATM withdrawal | not declared |
| Fund custody | Self-custody (funds in your control) |
| Supported countries | US, EEA |
| OAM Italy registration | No |
| Segment | B2B |
| Funding / solidity | Early-stage · funding data not publicly documented · 11 audits from 3 firms (Cantina, Sherlock, Zellic) |
| MiCA / License status | Not disclosed |
Strengths
- Non-custodial architecture: funds stay on-chain under user control.
- Security: 11 audits from 3 firms (Cantina, Sherlock, Zellic) with zero critical or high findings claimed.
- Single-SDK integration, with no chain operation required from the client.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- B2B service: not accessible to end consumers.
- Early-stage company: funding, licences and corporate structure not publicly documented.
- No notable sovereignty drawback documented.
Verdict
Score 3.4/5, solid profile. In its favour: non-custodial architecture: funds stay on-chain under user control. The trade-off to weigh: b2B service: not accessible to end consumers.
On the Sovereignty lens the score is 5.0/5 (outstanding): the strength is fund control (5.0/5).
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.
Reputation
What happened to people who used Blend, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
FAQ
Can an individual use Blend?
No. Blend is B2B infrastructure that sells on-chain accounts and yield products to other platforms (neobanks, wallets, payroll); end users access them through those apps.
Does Blend custody funds?
No. Blend is explicitly non-custodial: funds stay held directly by users on-chain, while Blend provides the account, screening and reporting layer.
Sources
- Official service page Data verified on Jul 17, 2026