The European
yield
app
for everyone
Zero subscriptions.
Add money by card or bank transfer.
Move it to Savings and
it earns every second.
Backed by, built with and audited by
Four ways to add money
Bank transfer
Send euros by SEPA transfer to a MoonPay virtual account. MoonPay converts them into USDC, the dollar stablecoin your money is held in today.
Card
Pay by card through MoonPay or Coinbase. Both may charge a fee. MoonPay also takes Apple Pay.
Coinbase
Move money from your Coinbase account. No verification needed in unflat.
Crypto
Send USDC to your unflat wallet on the Base network. Any other token can be lost for good.
Withdraw whenever you want
Get euros back in your bank account through MoonPay or your Coinbase account. Or send the money to another account you control.
Your withdrawal route
- Savings
- Your bank
Where the yield comes from
Risk teams build the strategies
Third-party curators, today Steakhouse Financial and Gauntlet.
Lending runs on Morpho
Morpho manages over $5 billion, with zero failures since launch.
Borrowers pay interest
That interest is your yield.
Optional cover
From OpenCover · Nexus Mutual, off by default. Covered money earns a slightly lower rate.
unflat never holds
your money
unflat is non-custodial software made by unflat S.r.l. in Milan. Your money stays in a wallet only you control.
Only you sign
Every transaction needs your signature.
Collateral on every loan
The collateral is worth more than the loan.
Public record
Deposits, yield and cover are public on the Base blockchain.
Audited by Sherlock
Sherlock reviewed the app’s code in July 2026.
Written about unflat
Getting
started takes
three steps
- Download the app and sign up
- Verify your identity in about 3 minutes
- Add money and move it to Savings
Frequently
asked questions
What is unflat?
unflat is the European yield app for everyone. Your money generates yield every second.
Is unflat a bank? Is my money covered like a bank deposit?
No. unflat is a technology platform and is not a bank or a financial intermediary. Funds deposited through unflat are not covered by deposit guarantee schemes (FITD or equivalent) and are subject to risk, including loss of principal.
Do I need to know about crypto?
No. You sign in with email, Apple or Google, and add money by card or bank transfer.
Who can use unflat?
People aged 18 or over who live in the EU. For now, unflat is for individuals, not businesses.
What currency is my money held in?
Today in USDC, a dollar stablecoin. The app can show your balance in euros, and its value in euros moves with the exchange rate.
Can unflat recover my wallet?
No. unflat can’t recover your wallet or access your money. You sign in with email, Apple or Google, and your wallet is built on Privy. You can export your recovery key in Settings › Security. Never share it: it gives full control of your money.
Does unflat have a token?
No. unflat has not issued a token and has no plans to.
Who is behind unflat?
unflat S.r.l., a company based in Milan, Italy, founded by Alessandro Prandini (CEO) and Giacomo Dotto (COO). unflat was born from B4i (Bocconi for Innovation) and is now building with TEF (Tech Europe Foundation), into which B4i has merged.
Still have a question?
Email us
Get unflat on your phone
The app is in English.