Put idle cash to work.Automatically.
Wire USD into your treasury, earn 4-5% yield on stablecoins, and withdraw to your bank — no crypto complexity.
One platform. Three moves.
Wire in, earn yield, withdraw — all from a single dashboard.
Wire USD in
Send a standard bank wire to your dedicated virtual account. Funds settle and are ready in minutes.
New Wire Transfer
Amount
Mercury Business
****4892
Trusted Partners
How it works
From sign-up to earning yield in minutes.
Sign up & verify
Create an account and complete quick business verification.
Wire USD
Send a bank wire to your dedicated virtual account. Auto-converts to USDC.
Earn yield
USDC earns yield automatically through Aave on Base.
Withdraw anytime
Convert to USD and wire to your bank. No lock-ups.
Battle-tested security
Your treasury is protected by the most trusted protocols in DeFi.
Built on
Non-custodial
You hold the keys. Blai never has access to move your funds.
No lock-ups
Withdraw anytime. Your funds are always liquid.
On-chain transparency
Every transaction is verifiable on Base.
2FA protected
Multi-factor authentication on every transaction. Not just login — every move requires verification.
Current USDC yield
Variable rate via Aave v3
Next-day settlement
Funds available within one business day
Non-custodial
You control your funds always
FAQs
For questions not answered here, email us at contact@blaiapp.io
Your USD is converted to USDC (a regulated stablecoin backed 1:1 by US dollars) and deposited into Aave v3, the largest and most battle-tested DeFi lending protocol, on Base — Coinbase's Layer 2 network. Your funds earn yield from borrowers who pay interest to access liquidity.
Traditional banks take a large cut of the interest they earn on your deposits. With Blai, your funds earn yield directly from on-chain lending markets where demand from borrowers sets the rate. There's no bank middleman — you keep more of the yield.
Non-custodial means Blai never holds or controls your funds. Your business gets its own embedded wallet, and only you can authorize transactions. We can't move, freeze, or access your money — ever. This is fundamentally different from a bank, where the institution controls your deposits.
Your funds sit in Aave v3, which has over $12B in total value locked, 20+ independent security audits, and 4+ years of uninterrupted operation on Ethereum mainnet. USDC is issued by Circle, a regulated financial institution, and is audited regularly by Deloitte. Base is built and operated by Coinbase.
Fully liquid. There are no lock-ups, no staking periods, and no withdrawal queues. You can withdraw your funds to your bank account at any time, with T+1 settlement (next business day).
Blai charges a 15% performance fee on yield earned and a 0.5% annual management fee. There is also a 0.25% conversion fee per transaction (charged by Bridge, our fiat rails provider). You only pay the performance fee when you're actually earning — if yield is zero, you pay nothing.
Sign up, complete a quick business verification (KYB), and wire USD from your bank. Your funds start earning yield automatically. The whole process takes minutes.
Stop letting cash sit idle.
Join businesses earning yield on their treasury — without touching crypto.