Access and security
- Non-custodial smart account
- Passkey sign-in, no seed phrase
- Recovery with the same passkey
Launch your ownbranded card app
A ready-made mobile app with a non-custodial wallet and cards, published under your name. Your users hold their own funds.
- First build in four weeks
- Cards from licensed issuers
- You set the fees
Launching your own card app is either slow or out of your control
Build it yourself with an API
You connect a card issuer and build the app from scratch. You keep control and the revenue, but it takes a team and 6+ months to go live.
Use a custodial white-label platform
You launch fast, but the platform holds your users' money and marks up card fees. You get a share of the revenue, but no control over it.
Definro is infrastructure without those trade-offs.
Working app in 4 weeks
Non-custodial by design, with a ready white-label app and an open integration layer.
- An app for iOS and Android, under your brand
- Your own providers connected: card issuers, banks, payment rails
- User funds held in users' own wallets, never by you
- Ready-to-go cards through our pre-integrated card issuers
Everything you need to launch, in one app
You get a finished product under your brand, not a place inside someone else's app.
Your name, colors and icon, published through your own App Store and Google Play accounts. Users download your app, not someone else's with your logo inside it, and the listing, the reviews and the audience belong to you.
The listing, the reviews and the audience are yours
Sign-in is a passkey, not a seed phrase, and the same passkey restores access if a phone is lost. Money goes to names rather than wallet addresses, contacts and chat are built in, and no separate token is needed for network fees.
Names instead of addresses, no gas token
Cards are issued, topped up from the wallet balance, and managed, status and limits, in the same app. Holding and spending sit in one place, so your product stays the screen a customer opens, not a step on the way to somewhere else.
Holding and spending in one place
Recurring and scheduled payments, mass payouts, invoices and payment requests, all from the same balance. These are the flows that turn a wallet into a business tool, and they cover the cases your customers would otherwise solve outside your product.
A wallet that works as a business tool
A web interface for your team: wallet turnover, transaction history and filters by date. You see what your users are doing without asking anyone for an export.
Every operation, without asking for an export
Turnover, revenue and active users in the same console. You see what each fee earns and set prices on numbers from your own system.
Prices set on your own numbers
An admin panel
A web interface for your team: wallet turnover, transaction history and filters by date. You see what your users are doing without asking anyone for an export.
Every operation, without asking for an export
Revenue you see
Turnover, revenue and active users in the same console. You see what each fee earns and set prices on numbers from your own system.
Prices set on your own numbers
Your product, not a slot in someone else's
Definro runs underneath and stays invisible to your users.
Your brand, your users
The app is published under your name, and the customer relationship is yours.
Your prices
You set wallet fees, card markups and plans, and change them after launch without asking a supplier.
Your choice of issuer
Bring your own card issuer or launch on our program. Either way, the rest of the product stays the same.
Three ways to launch
Full control over pricing and providers
The fees your users pay and the card and banking providers behind your app are your decision.
Pricing
Wallet fees
A fixed fee on transfers and withdrawals, set separately for each network.
Fee tiers
Run several plans side by side, for example a free plan and a paid one.
Card pricing
Your markup on card top-ups, your price for issuing a card, your fee on currency conversion.
Network fees
Sponsor them for your users, or let users pay in the token they already hold.
Changes after launch
Adjust any of it from the admin panel, without asking a supplier.
Providers
Card issuer
Bring your own, or launch on an issuer we have already integrated.
Your providers
We connect the banking partners, payment rails and other services you already work with.
Switching later
Change providers without rebuilding the app. Your app, your users and their wallets stay as they are; only the cards are reissued.
How you earn
You set the prices your users pay, and you keep the margin.
Card top-upsYour markup on every top-up from wallet to card.
Currency conversionYour fee on card spending in other currencies.
Card issuanceYour price for issuing a card.
Monthly plansOptional paid plans for your users.
Wallet operationsA fixed fee on transfers, withdrawals and swaps, set per network.
InterchangeA share of the interchange your card program earns on card spending.
Estimate your monthly earnings
Monthly
$0
Annual
$0
Illustrative estimate. Final terms depend on your configuration and are set in the contract.
Three ways to launch
Every option gets the same app and admin panel. The difference is who provides the cards.
In every option
- Your branded app
- Admin panel
Launch packages start from $20,000. The final price depends on the option you choose and the services you connect, and is set in the contract.
Get your launch planWorking in a market where standard cardholder checks don't fit?
Cards can be issued under a card provider's corporate program.
Corporate cards
- No extra identity documents for your users
- Users stay customers of your app
- From $1 per virtual card
Available countries and card limits are confirmed before work starts.
Check if your market fitsA working app in four weeks, cards in parallel
You get a working build with a live wallet within four weeks. Card integration runs alongside your onboarding with the card issuer.
Up to four weeks
Your branded app
Infrastructure and your branded app, built at the same time. You test a working build with a live wallet.
About a month from issuer API access
Card integration
Runs in parallel with your onboarding at the card issuer.
When both are ready
Launch
Production release, store submission and your first users.
These timelines cover our work. The launch date also depends on issuer onboarding, API access and app store review.
| Your side | Our side | |
|---|---|---|
| Brand | Brand and identity materials | The app and the wallet |
| Sign-in | A domain for passkey sign-in | Infrastructure and its operation |
| Stores | App Store and Google Play developer accounts | Store submission and release support |
| Cards | KYB with the card issuerWe can support your issuer onboarding and KYB as a service. | Card issuer integration |
| Users | User acquisition | The admin panel and its upkeep |
| Support | First-line user support | Technical support for the product |
Your side
- Brand and identity materials
- A domain for passkey sign-in
- App Store and Google Play developer accounts
- KYB with the card issuerWe can support your issuer onboarding and KYB as a service.
- User acquisition
- First-line user support
Our side
- The app and the wallet
- Infrastructure and its operation
- Store submission and release support
- Card issuer integration
- The admin panel and its upkeep
- Technical support for the product
What's in the app
Everything your users get in your app, and everything your team gets behind it.
Money
- USDT and USDC
- Other ERC-20 tokens by configuration
- Ethereum, Arbitrum, Optimism, Polygon
- Sponsored or user-paid network fees
Transfers
- Send to names, not wallet addresses
- Contacts
- Chat built in
Cards
- Card issuing
- Top-up from the wallet
- Status and limits in the app
- Add to mobile wallets, pay by phone
Stablecoin payments
- Payment requests
- Invoices
- Mass payouts
For your team
- Admin panel
- Wallet turnover
- Transaction history with date filters
- Fee and plan settings
Coming next
Next
Recurring and scheduled payments
Q4 2026
Web app and Telegram app
Q1 2027
API
From Q1 2027
Spending straight from the wallet at checkout
Built on
Under the hood
Definro runs on ERC-4337 account abstraction: every user gets a smart account instead of a conventional wallet.
Access
Passkey sign-in and recovery. No seed phrase and no private key to store.
- Disaster recovery through a web interface, without the app
- The user's own non-custodial wallet as a backup signer
Networks
Any EVM network on request.
Gas
Sponsored on Arbitrum, Optimism and Polygon, or paid in the token the user already holds. Switches automatically when the sponsorship quota runs out.
Assets
USDT and USDC natively. Other ERC-20 tokens by configuration.
(Soon)
Fees
A fixed amount per operation, set per network. Incoming deposits are never charged.
Project isolation
A dedicated environment with your own passkey domain and fee configuration.
Web applicationThe same wallet and cards in a browser
Q4 2026Telegram mini appYour app inside Telegram
Q4 2026API solutionThe core for your own interfaces
Q1 2027
Frequently asked questions
Use a white-label platform that already includes the app, the wallet and the card integration. With Definro you get a finished mobile app under your brand, connected to a card issuer, and you publish it through your own App Store and Google Play accounts. You bring the brand and the users; we provide and run the technology.
Launch packages start from $20,000, plus a monthly platform fee. The final price depends on the launch option, whether you bring your own card issuer, and any custom work. Card issuer fees are set by the program and agreed before you commit.
A working build of your branded app with a live wallet takes up to four weeks. Card integration takes about a month from the moment the card issuer grants API access, and runs in parallel. The final launch date also depends on issuer onboarding and app store review.
Definro is built so that you never hold your users' funds, which removes the need for custody infrastructure. Cards are issued under the card issuer's program and license. What your company needs depends on your jurisdiction and activities, so confirm your position with your legal advisers.
Each user controls their own funds in a smart account secured by their passkey, and neither you nor Definro can move them. If a user loses their phone, they recover access through their passkey. One thing to know: when a user tops up a card, that amount moves to the card issuer, which holds the card balance under its program.
Yes, through a corporate card program. Cards are issued under the card issuer's corporate program, so the end cardholder doesn't submit additional identity documents while remaining a retail user of your app. Available geographies and limits are set by the program and confirmed before launch.
Your product stays. The issuer connects through a separate integration layer, so replacing it means integrating a new issuer, not rebuilding your app. Your app, wallet, brand and users stay in place; the switch is a separate project with its own timeline.
Wallet funds stay with your users. Smart accounts live on-chain and belong to the users, so they stay the user's own if our service stops. Card balances are held by the card issuer under its program.
Get your launch plan
Tell us about your users and markets. We'll come back with a recommended launch option, a card program, commercial terms and a timeline.
Prefer to write directly? Telegram: @Definro. Email: info@definro.com