Banking,
but
yours.
Banking that fits in your pocket and answers to no one but you. Hold your keys. Hold your assets. Spend any crypto, anywhere Visa is accepted.
Twenty-eight.
The number of wealth.
Across traditions, twenty-eight signals completion and abundance — the second perfect number, the lunar cycle, the count that closes a circle.
We chose it because it's a quiet promise: the app you keep your money in should compound it, not extract from it.
Eight chains.
One wallet. Your keys.
Hold what you trust. Send what fits the corridor. We support the chains people actually use — not a long tail of dead chains no one settles on.
Bank28 is non-custodial. Your seed phrase generates the private keys for every chain on this list — locally, on your device, never on our servers.
One app. Three primitives. No surprises.
Wallet
Hold BTC, ETH, USDT, USDC, SOL, TRX, and AERE — non-custodial. Your seed phrase never leaves your device.
Send
Send to any Bank28 user instantly, or to 28 currencies across 60+ countries. See the real cost before you send.
Card
Order a Visa card backed by your crypto. Tap to pay anywhere Visa is accepted. Freeze it in one tap if you lose it.
The crypto-to-fiat moment
happens at the swipe.
No pre-funding. No "load to card." Your money lives in your wallet until you spend it — we just handle the last millisecond of the transaction.
Hold USDT
Your wallet keeps a balance in USDT, USDC, BTC — whatever you trust. No top-up, no float.
Tap at checkout
Use the Bank28 Visa anywhere contactless is accepted. 100M+ merchants, no extra steps.
Convert at swipe
At the exact moment of payment, we convert at the mid-market rate. No spread surprises.
Merchant gets EUR
Merchant settles in their local currency. You see the crypto debit in your wallet, instantly.
You tap at Carrefour for €50.
~54 USDT leaves your wallet. Cashier sees €50. Done in ~700ms.
Spend any crypto.
Anywhere Visa works.
Order a Bank28 Visa in 60 seconds. We convert at the point of sale — you spend USDT, the merchant receives EUR. Works with Apple Wallet. Freeze it in one tap.
- Tap to payAnywhere contactless Visa is accepted — 100M+ merchants worldwide.
- Real-time conversionPay in USDT, USDC, BTC, or ETH. We settle in fiat at the swipe.
- Freeze instantlyOne tap to lock the card. Unlock the same way.
Your keys.
Your money.
Your call.
Bank28 generates your seed phrase on your phone, encrypts it with your device's secure enclave, and never sends it anywhere. We can't freeze your funds. We can't see your balance. We can't lose your money in a bankruptcy — because we never had it.
- Seed phrase generated on-device, encrypted by Face ID / fingerprint.
- Open-source smart contracts, public bug bounty.
- MiCA-aware — designed for the EU regulatory framework.
More than a bank.
Built for the rest of life.
Travel, family, learning, climate. The things money actually touches. Inside one app you already trust to hold it.
Eco-tracked spending
Every card swipe comes with a carbon footprint estimate. Offset it in one tap with verified credits.
Junior accounts
Bank28 Junior — a guided wallet for kids 6 and up. Parent approval, spending limits, lessons built in.
Travel + flights
Book flights inside the app. Earn AERE credits when you spend abroad on your Bank28 card.
Learn-to-earn
Short lessons on stablecoins, custody, security. Pass the quiz, earn AERE in your wallet.
Social money
Send to friends with a tap. Splits, requests, group savings goals — without leaving the app.
Rewards + referrals
Earn up to 40% on what your friends spend. Plus AERE drops at milestones — no points to redeem.
Whoever your money
works for.
Spend any crypto at the mid-market rate, anywhere Visa is accepted. Pay in 28 currencies without converting first.
Receive USDT or USDC from anywhere on Earth in seconds. Hold it. Spend it. No bank wires, no chargebacks, no minimums.
Junior accounts for kids 6+. Eco-tracked spending. Group savings goals. Allowance on a schedule. Lessons that pay.
Eight chains, audited contracts, your seed on your device. Plus a Visa card that connects it all to the off-chain world — no bridge required.
Send to 28 currencies.
In 60+ countries.
One stack. Crypto rails for speed, SEPA and SWIFT corridors for delivery. You see the cost before you send — no surprise at checkout.
Send €1,000 from Berlin to Bucharest.
Cost in fees plus time on the wire. We did the math so you don't have to.
Indicative pricing for a Berlin to Bucharest €1,000 transfer, May 2026. Bank28's figure is the USDT-on-Tron swap fee plus the off-ramp partner's flat fee. Competitor figures sourced from public fee schedules.
Trust, the verifiable kind.
We don't ask you to trust us. We give you the tools to check.
Audited contracts
Cyfrin CodeHawks competition and a Hacken short review on the AereCardEscrow contract.
Open-source
Smart contracts and the wallet client are public. Read every line. Verify the build.
Bug bounty
Up to €25k per critical finding. Report directly via Immunefi or our security email.
MiCA-aware
Designed under the EU MiCA framework. Travel Rule via Notabene. KYC by Didit (Cyprus).
A new standard
for how money moves.
Behind Bank28 is AERE Network — an EVM-compatible Layer-1 blockchain engineered for everyday payments, not speculation. Multi-layer sharding pushes the network past 273,000 transactions per second. QBFT consensus delivers single-block finality in one second. Card swipes settle before the terminal beeps.
We didn't pick an existing chain — none were ready for what banking demands. So we built one.
Where we're going.
Not a vision deck. Dates.
- Q3 2026 Now
v1 launch
Non-custodial wallet across 8 chains. Send to 28 currencies. Visa card on the waitlist.
- Q4 2026 Next
Card live
Bank28 Visa cards ship to verified users. Apple Wallet and Google Pay. Audits by Cyfrin and Hacken complete.
- Q1 2027 Next
SEPA IBANs
Personal IBANs in EUR. Receive your salary directly. Schedule rent. Pay bills.
- Q2 2027 Planned
USD ACH + more chains
USD ACH rails open. New chains: Polygon, Base, Arbitrum. Junior accounts go live.
- 2028 Planned
Open ecosystem
Public SDK. Bank28 inside other apps. Travel rewards expand. Eco offsets at scale.