SecondFi

Most platforms hold your money. SecondFi lets you own it. Introducing SecondFi, a self-custody neofinance platform powered by @YoroiWallet where you spend, send, stake, swap, and save from one app, with you in control the entire time. The waitlist is now open: secondfi.io

The waitlist is now open: secondfi.io

1.4 billion people are locked out of the global financial system. That changes today. Live from @Money2020 Bangkok, @No3of3J officially unveiled SecondFi to the world. SecondFi is a self-custody neofinance platform powered by @YoroiWallet, converging DeFi, TradFi, and AI into one app where you spend, send, stake, swap, and save on your own terms.

Read the full story: emurgo.io/press-news/emu…

"SecondFi puts you back in control of your money." — @phillip_pon, CEO of @emurgo_io Today at @Money2020 Bangkok, SecondFi officially made its debut. We built a self-custody neofinance platform powered by @YoroiWallet for anyone who wants to spend, send, stake, swap, and save, without giving up control. Your money, on your terms.

Still buzzing from the energy at @money2020! It was an honor to step on stage and finally unveil what we’ve been building at @emurgo_io. With @secondfiapp, we aren't just launching an app; we’re delivering financial sovereignty to those who need it most. Spending, sending, staking, swapping, and saving—all in your hands. 🛠️💪

One app. Five ways to take control of your money. ▪️ Spend at merchants worldwide with card-based payments ▪️ Send money across crypto and fiat rails without borders ▪️ Stake across multiple chains directly from the app ▪️ Swap assets seamlessly without leaving your wallet ▪️ Save with full custody of your own funds, on your terms No prior crypto experience required, and no one standing between you and your money. The future is onchain. secondfi.io is how you get there. 🟦

The global financial system has left 1.4 billion people without access to stable currencies or any reliable way to grow their wealth. Across Southeast Asia, Latin America, and Africa, the gap between financial inclusion and financial exclusion is a matter of infrastructure. SecondFi is designed to close that gap, delivering a full financial stack to the people the traditional system was never designed to serve, and to anyone who has quietly settled for less because a better option simply did not exist.

Most platforms hold your money. SecondFi lets you own it. Introducing SecondFi, a self-custody neofinance platform powered by @YoroiWallet where you spend, send, stake, swap, and save from one app, with you in control the entire time. The waitlist is now open: secondfi.io

After 8 years and billions of ADA staked @YoroiWallet takes a significant upgrade into the neofinance space, enabling users to spend, stake, earn and trade across chains whilst maintaining the core value of self-custody. @cardano_card was phase one of the product suite that converges both TradFi and Web3 with @wirexapp as the issuer. The future is onchain. SecondFi is how you get there.

From theory to practice: the Real World vs Digital Nation Governance Workshop at @unimalaya brought together students, legal scholars, community builders, and capital market professionals to explore blockchain’s role in shaping future financial systems. EMURGO continues to lead initiatives that promote education and community participation in onchain governance, empowering the next generation to take part in decentralized decision-making. Panelists included @JustJobe, Malaysian Cardano Community Leader; Tim from the Cardano Malaysia community, who shared technical insights as an SPO; and @OfficialKavinda, Founder of @Coin_Ceylon. The discussion, moderated by @chrisanneyeexy from @SociousDAO, examined how Cardano’s governance model transforms participation into decision-making power and how traditional and digital governance models intersect in real-world adoption. Students also learned about liquid democracy and delegation through interactive sessions, sparking engaging discussions that reflected the growing interest in Cardano’s technology and its practical applications. Thank you to @unimalaya, our speakers, guests, and all participants for helping shape the next generation of governance thinkers and leaders.

What is decentralized governance? 1/ Decentralized governance means decision-making power is not held by one person or organization; it is shared among participants. That makes systems more trustworthy, fair, and community-driven. Let’s understand this better through Cardano’s example. 🧵

Final call for Catalyst Fund14 voting. 🗳️ If you’re still deciding which proposals to support, check out EMURGO’s recommendations before the deadline closes in less than an hour. Make your vote count for Cardano’s ecosystem growth. Read here 📖👇🏻

Imagine a @snek x Cardano Card collab: Every swipe makes a hiss sound. 🐍💳

Cardano Card Founders Edition #001 for the CEO & Founder of @InputOutputHK. 💳 At #TOKEN2049, we presented the very first Founders Edition to @IOHK_Charles, a moment connecting Cardano’s roots to its future in real-world utility. Witness history in motion. 📸

Cardano’s Net Change Limit (NCL): A Key to Sustainable Treasury Governance 🧵 1/ The Net Change Limit (NCL) is a constitutional parameter in Cardano governance that caps how much ADA can be withdrawn from the treasury within a specific time frame, typically annually.

This is now the official Cardano Card account. Follow for fresh content, key updates, and highlights from our journey so far. Show your interest in the card to help launch it and shape the future of onchain finance. ✍️ Register now at cardanocard.io.

The Yoroi wallet team educated over 200 attendees at the IndiaCodex Hackathon, hosted by @NucastIO, with a hands-on session on Cardano governance, delegated representatives (DReps), and Catalyst voting. We are proud to support community-driven initiatives.

Not all wallets are equal, your reputation is now your collateral 👀 Introducing Cardano Credit Score, a wallet reputation engine that allows you to borrow without collateral. Want to see if your wallet makes the cut? Join the waitlist (link below) for access to our early lending pool with 1000 $ada How it works 1⃣ Your on-chain activity (wallet age, balance, tx history, DAO participation etc) is scored 0-100 through a verifiable open-source algorithm. 2⃣ Your score is minted as a Soulbound Token (SBT) tied to your wallet, accessible for smart contracts to read. 3⃣ Smart contracts use it to determine loan eligibility, rates and limits. 4⃣ Repay on time → increase your score. Default → decrease your score. This is huge for DeFi but it doesn't stop there. This trust layer is scalable across multiple verticals. ☑️ AI Data Providers for trusted data. ☑️ AI Agent reputations for reliable and secure interactions. ☑️ DAO credibility metrics for governance and participation. ☑️Fairer access to any decentralized service. And more... Excited to take Cardano to the next level 🚀

All You Need To Know About DReps (Delegated Representatives) 🧵 1/ What is a DRep? A DRep is an ADA holder registered on-chain to vote on governance actions for themselves or for the community members who delegate their ADA voting power to them.