Stablecoins are growing. However, managing and investing them onchain still feels like work.

Users switch between wallets, networks, and dashboards just to check balances, send funds, or find a safe place to earn yield.

The result: fragmented accounts, wasted time, and missed opportunities.

BANB changes this by bringing the simplicity of a neobank to the onchain world powered by AI.

With BANB, users can:

• Connect multiple wallets and manage all their stablecoins from one place — no more chain switching.

• Ask simple questions like “Where should I move my USDC?” and get AI-guided insights that explain yield, risk, and timing.

• Act instantly from any connected wallet, keeping full self-custody and onchain control.

• Save time and reduce friction — BANB turns complex DeFi actions into one clear command or click.

In short: BANB gives you the UX of a neobank with the control of Web3, helping users manage and grow their stablecoins effortlessly.

BANB doesn’t just show your crypto. It helps you use it, safely and intelligently.

Building BANB requires connecting traditional UX patterns with blockchain-native systems without sacrificing decentralization.

Some of the key hurdles included:

• Instant on/off ramp without KYC:
  Bridging fiat methods (Apple Pay, Google Pay, PayPal) with on-chain USDC flow was difficult due to API inconsistencies and compliance restrictions.

• Investment P&L tracking (e.g., Morpho vaults):
  On-chain data is fragmented across protocols.
  → We are looking into DeFi APIs like Lambda to track this.

• Non-custodial revenue layer:
  Designing yield and operational fees without custody required balancing smart contract logic and transparent transaction recording.
  → Solved by adding fees on top of 3rd party service providers (on/off ramp) and by creating intermediary smart contracts acting as the investment owner but controlled by the user. Not implemented yet.

• AI Agent integration:
  Bridging wallet actions with natural language input through LLMs involved designing intent-to-transaction mapping.
  → Created a middleware layer connecting LLM → Agent → Transaction Crafting module. Not implemented yet.

https://github.com/alessandromaci/banb

https://banb.finance

BANB stands out by merging neobank simplicity with onchain intelligence. It's a a product that feels as smooth as Revolut but runs entirely on Web3 rails.
It’s not another wallet or dApp. It's a consumer app. It’s the AI-powered interface for stablecoins.

Key Differentiators

• Neobank UX, onchain
  BANB delivers a familiar and elegant experience inspired by modern fintech apps with balance view, cards, and smart actions all powered by your connected wallets.

• Stable-first architecture
  Built around USDC on Base, BANB ensures stable value, low fees, and predictable user flows for payments, investing, and gas. In the medium term, we plan expanding it to more stable tokens and chains.

• Multi-wallet account model
  Users can link multiple wallets (via Privy or native connectors) and manage them as unified “accounts” like having multiple sub-accounts in a digital bank.

• AI-guided actions
  Natural-language operations such as “Send 20 USDC to John” or “Where should I invest my idle balance?” make onchain finance conversational, not complicated.
  The AI explains every recommendation, yields, risks, and trade-offs, to build trust, not hype.

• Fully non-custodial
  BANB never holds your assets. All transactions happen directly through your wallets, keeping users in complete control.

Why it matters?

The alpha version shows that users can on-ramp, transact, and invest in DeFi with the same ease as a neobank, while staying self-custodial and transparent.

BANB turns stablecoin management into something intuitive: one interface, one AI, all your wallets.

BANB targets Millennials and Gen Z, the same demographic driving adoption of both neo-banks (Revolut, N26) and crypto wallets.

These users:

• Value instant, mobile-first finance.
• Are comfortable using stablecoins and DeFi protocols.
• Want better returns than traditional savings accounts (0–1% in EU).

Our validation came from:

• The massive traction of Revolut and N26 across Europe.
• Market data showing that crypto adoption is highest among 18–35-year-olds.

Closest competitors:

Revolut (https://www.revolut.com/) / N26 (https://n26.com/) → sleek UX, but centralized and fiat-only.

Phantom (https://phantom.com/) / Trust Wallet (https://trustwallet.com/?utm_source=cryptwerk) → Web3 native, but complex UX and locked to single-chain wallets.

DolarApp (https://dolarapp.com/) → partially similar in concept, but U.S.-centric and limited in DeFi extensibility.

How BANB differs:

• Fully non-custodial (users control their funds).
• Multi-wallet, multi-chain, but unified through one dashboard.
• Stablecoin-centric, not speculative tokens.
• AI-driven experience with automated insights and actions.
• Open, modular architecture for new integrations (investments, gasless ops, identity, etc.).