No — and that distinction matters.

Traditional “crypto banking” typically refers to platforms built around trading, speculation, or holding volatile digital assets. In those models, banking features are often secondary, limited, or dependent on third-party institutions.

WeFi is structured differently. It is a banking platform built on Web3 and blockchain infrastructure, not a trading app trying to add banking features later. The underlying technology is blockchain, but the user experience is designed to feel familiar — accounts, cards, payments, and transfers — similar to what people already expect from modern digital banks.

In other words, you don’t “use crypto” to use WeFi. You use banking services that happen to be powered by blockchain behind the scenes.

In practical terms, Web3 banking means that the infrastructure layer — how transactions are processed, settled, and recorded — is built on blockchain technology rather than legacy banking rails.

For users, this translates to:

• Faster settlement
• Fewer intermediaries
• Lower operational overhead
• Increased transparency
• Global accessibility by design

You don’t need to understand blockchains, wallets, or decentralized finance to use WeFi. Just as most people don’t understand how payment networks or cloud servers work, Web3 operates in the background while delivering a more efficient banking experience.

A Deobank (short for decentralized bank) represents an evolution of banking architecture rather than a rejection of banking itself.

Traditional banks rely on:

• Centralized ledgers
• Multiple intermediaries
• Manual reconciliation
• Legacy settlement systems

A Deobank uses blockchain infrastructure to:

• Settle transactions on-chain
• Reduce dependency on intermediaries
• Increase transparency
• Automate processes that traditionally require back-office intervention

This allows banking services to operate more efficiently, with fewer layers of cost and friction.

Importantly, a Deobank is not about removing regulation or structure — it’s about modernizing the plumbing of banking.

No.

WeFi is designed so that blockchain complexity stays behind the scenes. Users interact with familiar tools — accounts, cards, payments, and apps — without needing technical knowledge.

For most users, WeFi simply feels like a modern digital bank that:

• Works globally
• Charges lower fees
• Moves money more efficiently

Any deeper blockchain interaction is optional and not required for everyday use.

Lower fees are not promotional — they are structural.

Traditional banks operate on systems that were built decades ago and require:

• Multiple payment processors
• Clearing houses
• Intermediary banks
• Manual back-office operations

Each layer adds cost.

WeFi is built on blockchain infrastructure that allows transactions and settlements to occur more directly. By reducing intermediaries and automating processes on-chain, operational overhead is significantly lower. Those efficiencies allow WeFi to offer banking services with fees that are a fraction of what traditional banks typically charge.

This is one of the key reasons blockchain-based banking is being discussed by major financial publications as a path toward mainstream adoption.

No.

WeFi is not positioned as an “anti-bank” platform. It represents an alternative banking model designed for a digital, global economy.

Many users maintain relationships with traditional banks while also using WeFi for:

• Lower fees
• Faster transfers
• Global payments
• Modern digital access

This is similar to how online banks and fintech platforms coexist with traditional institutions today.

Decentralized finance (DeFi) platforms are often built for advanced users and focus on:

• Yield strategies
• Liquidity pools
• Complex financial instruments

They can be powerful, but they are not designed for everyday banking.

WeFi bridges that gap by:

• Abstracting complexity
• Delivering familiar banking tools
• Using blockchain for efficiency rather than experimentation

This approach aligns with how mainstream adoption typically happens: technology improves, while the user experience becomes simpler — not more complicated.

Security is foundational to WeFi’s design.

Blockchain-based systems provide transparent, verifiable transaction records. In addition, WeFi utilizes enterprise-grade security and custody infrastructure consistent with modern digital finance standards.

That said, no financial platform is risk-free. Users should always review official documentation, understand platform terms, and make decisions based on their own comfort level and jurisdiction.

No.

Referring others is completely optional. Most users simply use WeFi as a banking platform.

For those who choose to refer others, WeFi includes a value-sharing feature that allows account holders to share in a portion of applicable banking fees generated by referred accounts. This does not change how the platform functions for everyday users.

No.

WeFi is a banking platform. Opening an account does not require participating in any earning, referral, or reward programs.

Any optional referral benefits are tied strictly to actual banking usage and are governed by official WeFi program terms. There are no guarantees, projections, or income promises.

No — and that distinction matters.

Traditional “crypto banking” typically refers to platforms built around trading, speculation, or holding volatile digital assets. In those models, banking features are often secondary, limited, or dependent on third-party institutions.

WeFi is structured differently. It is a banking platform built on Web3 and blockchain infrastructure, not a trading app trying to add banking features later. The underlying technology is blockchain, but the user experience is designed to feel familiar — accounts, cards, payments, and transfers — similar to what people already expect from modern digital banks.

In other words, you don’t “use crypto” to use WeFi. You use banking services that happen to be powered by blockchain behind the scenes.

WeFi is well suited for:

• Individuals seeking lower banking fees
• Users who value transparency and efficiency
• People who want modern banking tools built for a digital world
• Businesses and professionals operating globally

It is not designed for people seeking guaranteed returns or hands-off financial outcomes.

A helpful way to think about WeFi is this:

It’s modern banking, rebuilt with better infrastructure.

The technology has changed — the need for reliable, accessible banking has not.

WeFi is designed for both individuals and businesses.

While many users start with personal accounts, WeFi’s architecture is built to support business use cases such as accepting payments, managing operating funds, handling cross-border transactions, and integrating modern payment tools without relying on legacy banking systems.

For businesses operating digitally, globally, or across multiple payment channels, WeFi provides infrastructure that aligns better with how modern commerce actually works.

WeFi is well suited for:

• Online and e-commerce businesses
• Digital service providers and consultants
• International or cross-border companies
• Crypto-adjacent or Web3-native businesses
• Merchants seeking modern payment solutions
• Startups and globally distributed teams

Businesses operating in regulated industries or specific jurisdictions should always review platform availability and compliance requirements before onboarding.

For businesses, Web3 banking is not about technology hype — it’s about operational efficiency.

In practical terms, this can mean:

• Faster settlement of payments
• Lower transaction and processing fees
• Reduced dependency on multiple intermediaries
• Improved transparency of transaction flows
• Global-first payment infrastructure

Instead of stitching together multiple services (bank, processor, FX provider, exchange), businesses can operate from a more unified platform.

Traditional business banking and payment processing often involve:

• Intermediary banks
• Clearing houses
• Payment gateways
• Cross-border settlement layers
• Manual reconciliation

Each layer adds cost.

WeFi is built on blockchain infrastructure, allowing transactions and settlements to occur more directly on-chain. By reducing intermediaries and automating processes, overall overhead is lower — enabling business banking services to operate with fees that are a fraction of traditional systems.

Lower fees are the result of architecture, not temporary incentives.

Lower fees are not promotional — they are structural.

Traditional banks operate on systems that were built decades ago and require:

• Multiple payment processors
• Clearing houses
• Intermediary banks
• Manual back-office operations

Each layer adds cost.

WeFi is built on blockchain infrastructure that allows transactions and settlements to occur more directly. By reducing intermediaries and automating processes on-chain, operational overhead is significantly lower. Those efficiencies allow WeFi to offer banking services with fees that are a fraction of what traditional banks typically charge.

This is one of the key reasons blockchain-based banking is being discussed by major financial publications as a path toward mainstream adoption.

No.

WeFi is not positioned as an “anti-bank” platform. It represents an alternative banking model designed for a digital, global economy.

Many users maintain relationships with traditional banks while also using WeFi for:

• Lower fees
• Faster transfers
• Global payments
• Modern digital access

This is similar to how online banks and fintech platforms coexist with traditional institutions today.

Decentralized finance (DeFi) platforms are often built for advanced users and focus on:

• Yield strategies
• Liquidity pools
• Complex financial instruments

They can be powerful, but they are not designed for everyday banking.

WeFi bridges that gap by:

• Abstracting complexity
• Delivering familiar banking tools
• Using blockchain for efficiency rather than experimentation

This approach aligns with how mainstream adoption typically happens: technology improves, while the user experience becomes simpler — not more complicated.

Yes. WeFi is building and supporting tools that allow businesses to accept and manage payments within a modern banking framework.

This includes:

• Card-based payments
• Digital asset transactions
• On-chain settlement
• Integrated account management

As the platform evolves, WeFi is positioned to support point-of-sale systems, merchant tools, and additional payment infrastructure designed for real-world business use.

Yes. WeFi is designed as a global-first banking platform.

Because blockchain infrastructure is not limited by traditional banking borders, WeFi can reduce friction commonly associated with:

• International transfers
• Currency conversion
• Delayed settlement times
• Multi-bank account management

This makes WeFi particularly attractive

WeFi can be used as part of a modern payment workflow for:

• Paying contractors
• Managing operational funds
• Facilitating transfers

Specific payroll functionality and integrations depend on jurisdiction, rollout phase, and official platform capabilities. Businesses should review current features and ensure compliance with local employment and tax regulations.

WeFi includes access to WeChain, an integrated exchange layer designed to support banking utility — not trading speculation.

For businesses, this can allow:

• Conversion between supported digital assets
• Internal fund management without third-party exchanges
• Simplified treasury operations

WeChain is intended to reduce operational friction, not to act as a trading platform for speculative activity.

No.

WeFi is designed so that blockchain complexity is abstracted away. Business users interact with familiar banking concepts — accounts, balances, payments, and cards — while the underlying infrastructure operates on Web3 technology.

Businesses do not need in-house crypto specialists to benefit from WeFi’s efficiency.

WeFi operates within evolving regulatory frameworks and builds its services to support long-term global operation.

That said, regulatory requirements vary by jurisdiction and business type. Businesses should:

• Review official WeFi documentation
• Confirm availability in their region
• Consult professional advisors where required

WeFi is not positioned as a workaround to regulation, but as a modernization of banking infrastructure.

Yes, referral benefits are available to account holders, including businesses, where permitted by program terms.

If a business refers another user or business that opens an account and actively uses WeFi banking services, the referring account holder may receive up to 50% of applicable banking fees, as defined by WeFi’s referral program.

Participation is optional and not required to use WeFi for business banking.

No.

WeFi is a banking platform. Any referral fee sharing is a platform feature, not an investment product, income guarantee, or business model.

Businesses should evaluate WeFi primarily on:

• Cost efficiency
• Payment functionality
• Operational fit

Referral benefits, if used, are secondary and usage-based.

Traditional merchant processors often charge:

• High transaction fees
• Cross-border surcharges
• Settlement delays
• Additional service fees

WeFi’s blockchain-based infrastructure is designed to reduce these inefficiencies by:

• Automating settlement
• Reducing intermediary layers
• Improving transparency

For businesses, this can translate into lower operational costs and faster access to funds.

Not necessarily.

Many businesses choose to:

• Add WeFi as a secondary banking platform
• Use it for specific payment flows
• Gradually expand usage as comfort grows

WeFi can complement existing banking relationships rather than replace them outright.

WeFi may not be suitable for businesses that:

• Require guaranteed or insured returns
• Operate entirely within legacy-only systems
• Are unwilling to adopt modern digital tools
• Cannot meet compliance requirements

As with any banking platform, fit depends on business needs and regulatory context.

The simplest approach is to ask:

Does our business benefit from lower fees, faster payments, and modern banking infrastructure?

If the answer is yes, WeFi is worth evaluating as part of a forward-looking financial stack.