In a world where banking plays such a crucial role in our everyday lives and determines access to growth opportunities, banking services remain a critical hurdle for many.

Globally, there are billions of people prevented from benefitting from the digitalization of the economy due to location, low income, and a multitude of other factors.

The rollout of DaffiOne Pay marks a significant milestone, not only for us, but for the everyday use of blockchain-based services, and the universal availability of digital banking services.

DaffiOne Pay allows any digital assets stored on blockchain-based accounts to be used to purchase goods & services everywhere, every day.

With Remit and Payroll rolling out in summer 2025, no-custodian banking becomes an efficient and practical alternative to traditional banking services.

What is No-Custodian Banking?

The answer is quite straight-forward and simple: it doesn’t require custodian banks and centralized service providers to work.

Instead, individuals and businesses perform the transactions themselves, account-to-account, making use of blockchain-based accounts and technological tools that are easy to learn.

No-custodian banking doesn't involve gatekeepers who decide who can benefit from the services, it allows everyone, everywhere to access high quality services.

Since there is no need for intermediaries or centralized services, it significantly lowers costs, enhances privacy, reinforces security, and control over one’s money never passes to a custodian and remains with the owner of that money at all times.

What is the benefit of No-Custodian Banking?

It empowers individuals and businesses by giving them more control and it reduces their spendings in banking services.

It breaks down traditional banking inclusion and fee barriers.

It offers high quality, secure, efficient, and low-cost financial services to everyone, everywhere — regardless of their location or financial status.

Whether you are an individual or a business, regardless of where you are located, you stand to benefit from adopting no-custodian banking solutions for your everyday financial transactions.

DaffiOne Modules: Wallet, Pay, Remit, and Payroll

We support a wide range of transactions through our no-custodian banking modules:

Wallet enables users to create blockchain-based accounts to send and receive digital currencies. It also allows to convert digital currencies, stablecoins, crypto-currencies, or any tokenized assets. The Wallet supports conversions between traditional and digital currencies, as well as debit cards.

Pay allows the use of digital currencies to make payments to merchants everywhere, from street vendors to large corporations. Becoming a DaffiOne Pay merchant is easy and universally accessible. Merchants can keep the digital currency received or request conversion to a traditional currency for deposit into their bank account.

Remit enables DaffiOne users to deposit or withdraw funds at Remit-participating merchants, providing a crucial service in areas with limited access to ATMs or lacking a banking infrastructure. Remit is not intended for regions with easy access to pay by bank card and ATM’s as existing services generally meet users’ needs.

Payroll allows employers to pay their employees in digital currencies. The digital currency received by the employee can be converted to traditional currencies at a Remit-participating merchant, used in purchases at Pay-participating merchants, or sent using the DaffiOne Wallet.

Regulatory Compliance

DaffiOne places a high priority on ensuring that all its solutions are fully compliant with global financial rules. Both the Pay and Wallet services comply with all applicable regulations, including Europe MiCA and PSD2. The Remit services also meet all necessary regulatory requirements.

All DaffiOne solutions adhere to stringent Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) rules and meet regulatory requirements.

DaffiOne no-custodian banking solutions operate entirely using users’ self-custodial accounts and do not involve any custodial services or centralized exchanges.

Safewire integration makes it easy to convert between blockchain-based digital currencies and traditional currencies in a bank account. Safewire Payments Ltd is a Canadian licensed Money Services Business (FINTRAC M23442840) and an authorized cryptocurrencies service provider.

Toward a Unified Banking Future

Ultimately, the DaffiOne solutions are built on the age-old vision of a unified, global, low-cost and universally available, to everyone, banking system that supports everyone’s needs and provides equal financial opportunities to everyone, everywhere.

No-custodian banking addresses inequalities in access to financial services while unlocking significant economic growth opportunities for everyone.

What’s Coming Next to DaffiOne

While the Pay solution is rolling out, and we are completing the Remit and Payroll solutions, we are also working on a no-custodian banking version of our Wallet.

It features a simplified interface for individuals who want to join the no-custodian banking movement but lack blockchain experience. With a focus on the everyday needs of the users, its user interface makes mastering no-custodian banking easy.

The new wallet takes full advantage of the combined functionalities of the Pay, Remit, and Payroll solutions, and integrates Safewire currency & debit card services. With our new wallet, anyone, anywhere will be able to start using no-custodian banking within minutes!

Thank You to Our Users

We want to express our deepest gratitude to our users for their continued support throughout the DaffiOne development and testing phases. It took five years to bring our vision to life, and we are excited to enter the go-to-market stage.

The support we’ve received from our users has been invaluable. We look forward, with their assistance, to further expand our reach and empower people across the globe with no-custodian banking solutions.

The no-custodian banking journey has just begun, and being part of the movement is easier than ever. Take control of your finances with DaffiOne and experience no-custodian banking firsthand.

DaffiOne: Building a No-Custodian Banking Future