Decentralized banking
with Spendle
Bank less. Spend smart. Trade Web3.
Spendle gives you virtual cards, AI insights, and total control over crypto cash.
Rated 4.5/5 on TrustPilot
Key Features
Explore the innovative features that make Spendle the ultimate Web3 fintech solution.
Spending & Budgeting
Track expenses, set budgets, and get personalized insights for better financial health.
Virtual Cards
Create multiple cards for various uses, set spending limits, and safeguard your main accounts from fraud.
Decentralized Assets
Explore Web3 micro-investing with our library of startups, NFTs, and cryptocurrencies.
Security By Default
As a decentralized banking solution, your assets are safeguarded by state-of-the-art technology and comprehensive encryption protocols.
Auto-Invest Rounding Up
Round up every purchase and channel the difference into high-performing assets or custom portfolios. Set it once — your daily spending becomes daily investing.
Instant Execution
Your rules, your timing. Execute trades the moment conditions are met — from price thresholds to spending patterns — all without needing to be online.
Fractional Access
Get exposure to premium markets with fractional microtrades. From blue-chip crypto to emerging tokens, no minimums — just smart stacking.
Micro Moves, Macro Gains
Turn daily spending into real-time investing with microtrades that stack up — seamlessly and securely.
Auto-Invest Rounding Up
Round up every purchase and channel the difference into high-performing assets or custom portfolios. Set it once — your daily spending becomes daily investing.
Instant Execution
Your rules, your timing. Execute trades the moment conditions are met — from price thresholds to spending patterns — all without needing to be online.
Fractional Access
Get exposure to premium markets with fractional microtrades. From blue-chip crypto to emerging tokens, no minimums — just smart stacking.
Transparent, Trackable, Yours
Every microtrade is fully visible, auditable, and under your control. With real-time logs and exportable histories, you always know what moved and why.
Know Where They Go
Payments now make sense, with easy AI-powered insights to help you become financially healthy. Set limits, alerts or actions.
Total Transparency
Get a complete picture of every transaction — broken down by card, currency, category, and date. No more guesswork, just full visibility.
Built-In AI Insights
AI-powered analysis organizes your activity into smart categories. Easily detect patterns, spending spikes, or recurring charges.
No Complexity, Just Clarity
Every detail is presented in plain language, not technical jargon. Anyone can understand exactly where their money goes — even across chains.
Custom Controls
Set alerts, rules, or limits based on categories, wallet addresses, spending behavior, or time. You define the logic — AI handles the execution.
*Supported by 190+ countries. Is your Country covered?
International Transfers
Move assets securely across networks and borders — with decentralized encryption, no intermediaries, and full user control.
Encrypted from the Start
Every transaction begins with full encryption — your data, your keys, your control. No banks, no borders, no compromises.
No Single Point of Failure
Decentralized by design. Transactions are validated through collaborative encryption — ensuring unstoppable uptime and unbreakable trust.
Identity Without Borders
Use tamper-proof digital credentials to send and receive money worldwide — no passport scans, no paperwork, just pure ownership.
Fortress-Grade Global Transfers
Handle high-value, cross-border transactions with post-quantum encryption, smart contract rules, and multi-sig custody — all in one secure vault.
Planned For You
As a decentralized banking solution, your assets are safeguarded by state-of-the-art technology and comprehensive encryption protocols.
Seed
Use tamper-proof digital credentials to send and receive money worldwide — no passport scans, no paperwork, just pure ownership.
Node
Use tamper-proof digital credentials to send and receive money worldwide — no passport scans, no paperwork, just pure ownership.
Vault
Use tamper-proof digital credentials to send and receive money worldwide — no passport scans, no paperwork, just pure ownership.
Most Value for Money
Take Control
Spendle gives you the clarity you deserve, the security you need, and the intelligence to make every transaction count — all in one effortless experience.
