Intro

The safest way to self-custody: a premium, non-custodial savings and payments platform offering high yields, seamless cryptographic recovery, and a mobile-first user experience for the digital economy.

About

Pistachio Fi is building the next generation of mobile-first, self-custody crypto infrastructure. Our mission is to make Ethereum and DeFi simple, safe, and yield-optimized for everyday users, without sacrificing decentralization or control. With Pistachio, users can onboard in seconds, earn real yield across vetted protocols, move money seamlessly between chains, and receive and send money across the globe via bank transfer. The platform is globally available (excluding the UK), with a focus on serving users in the US and Latin America. Pistachio Fi abstracts away blockchain complexity while preserving onchain transparency and user autonomy.

Technical Architecture

Pistachio Fi is designed with a modular, mobile-first stack for maximum security, composability, and scalability:

• Mobile Application Layer: Built with React Native and TypeScript for cross-platform compatibility and rapid updates. Features include animated onboarding, unique username system, in-app notifications, and integrated DeFi actions (swap, vaults, payments).
• Backend & Orchestration Layer: TypeScript-based server coordinates onchain/offchain APIs, dynamic content via Strapi, and manages secure flows for all user actions.
• Smart Contract & Protocol Layer: Utilizes externally owned accounts (EOAs) and smart contract wallets (via PortalHQ MPC and Pimlico Smart Accounts), enabling batch transactions, gas abstraction (fully gasless), and approval abstraction. Supports Ethereum, Arbitrum, Optimism, Base, Polygon, Scroll, and Mantle. Soon Plume and megaETH.
• Security & Compliance: Private keys are never exposed and stored locally on the user’s device; recovery uses multi-party computation (MPC), with shares split between user cloud and Pistachio servers. Compliance integrations include Circle and Wavynode for AML and risk monitoring. App access and transaction signatures require either a biometric or PIN.
• DeFi Integrations: Swaps and bridging are powered by LI.FI; vaults use IPOR and Gauntlet; onramps via Onramper and Coinbase; data aggregation via Mobula; CEX connectivity via MeshConnect.
• Debit Cards and Virtual Accounts: We are currently integrating self-custodial debit cards and virtual accounts (US/ACH, MEX/SPEI, BRA/PIX, EU/SEPA) with Wirex and Agora Finance.

Business Model

Pistachio Fi operates a freemium, non-custodial wallet and DeFi platform. The app offers premium savings accounts with higher yields and flexible access. Revenue is generated through:

• Yield Spread: Pistachio aggregates yield from multiple DeFi protocols and may capture a small spread between the gross protocol yield and what is offered to users.
• Transaction Partnerships: Pistachio integrates with DeFi aggregators, earning on swap fees.
• Debit Cards: Pistachio ****earns a percentage of the total TVL in the self-custodial wallets for our debit cards (All incoming bank transfers are automatically settled to this account). We also earn 0.5% interchange fee on user spend.