Ready is a self-custodial crypto neobank alternative. Their mobile app lets you buy Bitcoin and stablecoins easily, earn yield, and spend stablecoins with the Ready Card. It bridges the gap between crypto investing and everyday spending.
Ready is the easiest way to earn yield on Bitcoin. You can stake Bitcoin natively or through liquid staking, earning staking rewards directly in the app. You can borrow USDC against your Bitcoin at low variable interest rates (~0.08%) while your Bitcoin collateral continues to earn yield (~2.5%). The borrowed USDC can be spent instantly with the Ready Card, unlocking liquidity without selling a single satoshi. You can also lend Bitcoin to earn passive income. All three features are fully self‑custodial and integrated into Ready.
The Ready Card lets you spend USDC anywhere Mastercard is accepted. All cards are fully self-custodial and come with 0% FX fees, so you always get the best rate when spending USDC abroad or online.
There are two tiers of Ready Cards: Metal and Lite. Metal is the premium version – it offers 3% cashback and perks like cashback boosts, free bridging, and a beautifully designed physical card. Lite is free, but still includes essential features.
Ready makes self-custody simple. They’ve been building wallets since 2017 and pioneered features like no seed phrase, social recovery, and subsidising user gas fees. Security features include fraud protection and 2FA, and they’ve never lost customer funds. Their open-source smart contracts are regularly audited and have held over $1B in total value locked. Even Binance, OKX, and Kraken use them for Starknet deposits and withdrawals.
Ready is the next evolution of neobanks. It combines investing, spending, and self-custody in one app. If you’re looking to earn yield on Bitcoin or spend your crypto without fees, Ready is exactly what you need.
