No Seed Phrase Hassle
Powered by advanced key sharding tech, you can log in securely via your email, Google, or Passkeys. Your private key is split across nodes—completely eliminating the single point of failure.
New • Non-Custodial
The Banking App Built for True Asset Sovereignty
Say goodbye to traditional banking risk and complex seed phrases. Wirex One brings institutional-grade DeFi yields, 8% USD value cashback, and global card spending directly to your own secure, non-custodial wallet.
No seed phrases
Fully non-custodial
Up to 9.75% APY
The Core Shift
The Self-Custody Revolution (Minus the Friction)
Traditional crypto card platforms require you to hand your private keys over to a centralized entity—leaving your funds vulnerable to platform insolvency. Wirex One completely flips the script.
Built on Circle's Arc Network
Your assets settle natively on a Layer 1 blockchain optimized strictly for secure stablecoin payments, lightning-fast execution, and near-zero network fees.
Total Financial Sovereignty
Because your wallet is fully non-custodial, the funds belong to you—never the platform.
High-Yield & Rewards
Put Your Stablecoins to Work
Liquid & Flexible Savings
4% to 6% APY
Enjoy total freedom. Keep your stablecoins (USDC/EURC) or major crypto assets fully liquid to spend or swap at a moment's notice, while still accumulating an institutional baseline rate directly in your wallet.
Dynamic WPAY Yield Boosts
Up to 9.75% APY
Scale your returns automatically without rigid lockups. By holding a percentage of WPAY in your overall portfolio, your membership tier updates dynamically—boosting your stablecoin yields.
Global Spending
Earn 8% cashback in USD value
Link your non-custodial balance directly to the physical Wirex One Card and spend your crypto natively in the real world.
Get the CardStable Store of Value
Up to 8% cashback paid directly in USD value—protecting your rewards from crypto market volatility.
Zero FX Markups
Spend your money abroad seamlessly with standard interbank exchange rates and zero hidden foreign exchange fees.
Ready to Experience On-Chain Consumer Finance?
Don't compromise between security and convenience. Secure your financial independence, unlock industry-leading yields, and start spending your crypto natively in the real world.
Open Your Non-Custodial Account Now