Neil May | defi.com

The biggest problem in DeFi isn't yield. It's friction. Too many apps, too many wallet addresses, too much complexity. What if one account could handle everything? That's the idea behind @deficom Instead of juggling multiple platforms, you get one identity, your defi ID, that connects earning, trading, spending, and global payments in one place. → Privacy comes first, so you only verify what matters. → Idle balances can earn yield automatically while remaining accessible. → Move money across borders directly from your bank. → Spend your balance anywhere with a payment card. → Trade smarter with built-in market insights instead of jumping between tabs and tools. What caught my attention isn't just the features, it's the focus on making DeFi feel as simple as the everyday finance apps people already use. ✓ No unnecessary complexity ✓ No endless wallet strings ✓ Just one identity powering your entire on-chain experience Private Alpha is already onboarding early users, and every defi ID is unique. The future of DeFi won't be won by the platform with the most features. It'll be won by the one that makes people forget they're using DeFi in the first place.

Private Alpha closes soon. One account to hold, earn, trade, and spend. Your activity stays private. Your money stays in your control. Apply now: defi.com

DeFi is evolving to meet its mainstream moment. But what will that look like? We caught up with @deficom CEO @_neilmay to chat about the tools that will help DeFi reach people outside of crypto: "Decentralized finance to me is inevitable, it's time to bring it to the masses"

We're bringing DeFi to everyone. How? Through a foundation built on privacy, an interface as simple as everyday technology, and an identity layer that unites the DeFi ecosystem. Watch the full conversation with our CEO @_neilmay, and @coinage_media below ↓.

Most platforms ask for your passport to verify your age. With a ZK proof, you prove you're over 18 without revealing the document itself. The platform gets verification while you maintain control over your data. That's selective disclosure with a defi ID™.

A few million people are crypto native. Eight billion people aren’t, with many locked out of financial services. We're building defi.com for both. Our CEO @_neilmay with @DefiantNews on why this is the moment. ↓

"You can't build a financial system where people are anonymous ghosts. You can't lend to them, build relationships, and they can't prove they're not criminals without dumping their entire history." @_neilmay on DeFi's missing identity layer. Via @DefiantNews. Full piece below.

"Privacy without identity is just hiding." Our CEO @_neilmay in @BusinessInsider on what crypto gets wrong about privacy and what identity-first finance actually looks like. Read the full article below↓. markets.businessinsider.com/news/currencie…

"Users remain little more than wallet addresses moving from app to app, with no persistent reputation and no way to carry credibility." @_DanielAllen on the identity gap in DeFi. Read the full piece below.

@mdudas A week that reminded everyone why this space is worth building in.

Panel 1: Privacy for Onchain Capital Markets: Confidentiality, Compliance, and Institutional Distribution Institutional adoption of on-chain markets depends on solving privacy without sacrificing compliance. ft @theBBFund, @deficom, @StarknetFndn, @fhenix, @Americanfort_io

Here's how we read consumer crypto in 2026. The winners won't be the apps with the best cashback or the most merchants. It'll be the ones that solved privacy and self-custody at the same time, in something normal people can actually use. Harder problem. Bigger market.

Every DeFi hack cycle produces the same take: institutions will pull back. @CryptoProdMan CPO of @deficom says the opposite is happening. The investment was already committed before the headlines. The roadmaps were already set. The conversations he's been in over the last few months point one direction.Institutions are doubling down, not pulling out.

Watching the consumer crypto pitches this week @consensus2026, one pattern keeps repeating. Product A: "5% cashback." Product B: "5.2% cashback, plus airline miles." Product C: "5.5% on dining, 3% on everything else." A few teams are playing a different game. Canton is solving privacy for institutional finance. Zcash and Aztec have been doing it at the protocol level. @deficom is bringing that same standard to a consumer account - card, yield, identity, all in one. Cashback is the easy race. Privacy and self-custody, made usable, is the harder one - the one we are up for.

A question worth bringing up at Consensus Miami. Would you be comfortable if every salary, every coffee, every transfer to a friend were posted on a public website with your name attached? That is what most onchain wallets are. The interface is different, but the exposure is the same.

At Consensus Miami this week. One thing keeps coming up in conversations with builders. The consumer crypto stack is broken at the product layer. A wallet that does not talk to your card. A yield account that does not know your identity. An off-ramp that treats you as a new customer every time. Every layer works. None of them work together. One account. Hold, earn, trade, spend. That is what we are building at @deficom. Waitlist: defi.com

Every panel at Consensus 2026 this week is talking about tokenization. Almost none are talking about where the tokens live. Putting a treasury bill onchain is the easy part. Building an account where someone can hold it, earn on it, spend against it, and prove ownership without surrendering custody is the part nobody has shipped at scale. Tokenization without that is a database migration. With it, it's a product.

Who are the next ten million crypto users? Not someone who knows what a bridge is. Not someone managing their own seed phrase. Someone who knows what they want to do with their money and expects the product to handle the rest. Most of what is being built right now is not built for that person. We're seeing this at Consensus Miami.

Three days at Consensus Miami, two clear takeaways. One: the regulatory shift is settled. The GENIUS Act and MiCA are not theoretical. Compliance is now a product question, not a legal one. Two: the consumer category is wide open. Most products at the conference are still pitching what they have, not what users actually want. There is room for the team that gets this right.

Four layers. Four different answers to who actually holds what. The wallet is yours. The card issuer holds the float. The yield product controls the contract. The off-ramp requires its own KYC. Genuine self-custody means the same answer at every layer. Sitting in on pitches this week @consensus2026, and most products did not survive that test.