GoDefi

GoDefi integrates with a user's existing non-custodial Solana wallet through a smart-contract connection. When a card is tapped or swiped, the smart contract authorizes an on-chain debit from that wallet at the moment of transaction, rather than drawing from a balance held by GoDefi. The firm says it never holds, stores, or manages user funds or private keys, so crypto assets remain under the user's sole control until a payment settles.

GoDefi is built on Solana, citing its speed and active developer ecosystem. The company's website states that it is working to add other major blockchains soon, though no timeline or specific chain names have been publicly confirmed.

The GoDefi interface includes lending pools where users can deposit USDT to earn yield — the marketing materials show an example rate of 11.5% APY. Users can also borrow against their crypto holdings and spend the borrowed amount through the payment card, effectively allowing them to use crypto as collateral without selling the underlying asset.

GoDefi states it is operated by a MiCA-licensed EU company, though the specific entity name, the jurisdiction of registration, and the exact scope of the license are not detailed in the available public materials. MiCA is the European Union's Markets in Crypto-Assets regulation, which governs issuance and service provision for crypto assets across member states.

GoDefi provides API-based integrations that let fintech platforms, crypto projects, and payment providers connect non-custodial wallet payments to traditional financial systems. It also supports white-label solutions for companies that want to launch branded crypto card programs using GoDefi's underlying smart-contract and card-issuing infrastructure.