Wallet-native Credit powered by Credit Accounts Abstraction

One Click, Infinite Utility: No more bridging to external dApps. No more locking assets in inaccessible vaults. Your wallet is the protocol.

Transforming Wallets into Crypto Neobanks

Imagine a bank account where you can only store money, not borrow or use credit. That’s what most crypto wallets look like today.

Gearbox changes the landscape of decentralized finance by embedding a credit layer directly into wallets, turning them into “Crypto Neobanks”. Users gain access to credit lines against their existing collateral.

Gearbox serves as the invisible “credit rails,” while the Wallet Provider acts as the user-facing financial app.

Native Credit Integration via Account Abstraction

The user doesn't see complex smart contract interactions. They simply toggle "Credit Mode" or switch to their "Credit Account" tab, just like switching between a Credit and Savings account

Seamless DeFi compatibility

Unlike traditional lending protocols that lock your assets away, the system recognizes tokens in the wallet as collateral automatically. Users don't just "borrow" funds; they use them. The credit line works across major DeFi protocols (Uniswap, Curve, Pendle).

Two Modes, One Wallet

For the Spender (The "Crypto Credit Card"): Integrate with Gnosis Pay/Holyheld or other crypto cards. Users can pay for groceries and daily needs using a stablecoin credit line.

For the Investor (The "DeFi Powerhouse"): Execute complex strategies (e.g., "Invest into fixed-yield PT token with 5x leverage") directly from the wallet UI. No need for external operational overhead.

Proof of concept (Coinbase Wallet Example)

The integration requires no clunky approvals for every action. The wallet recognizes the Credit Account as a native environment, enabling a smooth, "Web2-like" financial experience.

If you’re building wallet-native credit, reach out to Gearbox to power it with seamless execution and a superior UX.

Learn in details

How it works