WeFi Crypto launches a new Deobank model and enters the field of on-chain banking

WeFi Encrypted Deobank Model and Its Operation Method-CEO Interpretation of

Funds flow slowly through traditional banking channels. WeFi hopes to change this. The company is building a product called "Deobank"-a bank-style product based on blockchain tracks rather than traditional back-office systems. This puts WeFi Crypto at the center of the greater transformation in digital finance today, and its founder detailed in recent conversations how the company plans to achieve this goal.

Why does WeFi bet on online banks?

WeFi's philosophy is simple: encryption has never faced a demand issue, but a friction issue. Most people don't want to learn about wallets, Gas fees or the network they use to make payments; they just want to see the balance and transfer money. Maksym Sakharov, founder and CEO of WeFi, said bluntly in a recent conversation: "Cryptography products often require users to understand the infrastructure before receiving any benefits. The banking application looks familiar, but the bottom line is still a slow track." WeFi attempts to solve these two problems once and for all by keeping the interface simple while upgrading behind-the-scenes operations. As Sakharov said, users don't need to understand the trajectory to enjoy faster settlements, clearer asset visibility, or convenient conversions between fiat and digital value.

Unified balance concept

One of the core functions is "unified balances". It integrates fiat and stablecoins into one account view, eliminating the need for users to switch between banking applications and crypto-wallets. Sakharov explained that stablecoin payments can be settled quickly, but if people have to constantly switch between different instruments, the entire financial journey remains fragmented. Users may receive funds in one place, convert them in another, transfer them through their wallets, and finally spend them-adding cost, delay or confusion at each step. WeFi's solution is to have regular currencies and stable digital values work together in the same place, making bank currencies and stablecoins no longer like two separate financial lives.

What are the real problems in the banking technology stack?

When asked what he would say to the CEOs of the world's largest banks, Sakharov did not point to mobile apps. He believes that most banks already have good interfaces, and the real problem lies in the settlement and reconciliation layer-the system that coordinates the messages, balances, liquidity checks and agency relationships behind each transfer. He said many of these structures were "built for a slower, more local financial world." In his view, on-chain infrastructure can modernize this operational layer, rather than just decorate the front end. WeFi runs on the self-built WeChain and is distributed hosted through the MPC wallet supported by Fireblocks. According to company data, WeFi now serves more than 200,000 users, has monthly transaction volume of more than $150 million, and covers 153 jurisdictions through a regulated partner network.

stablecoin update: Regulation meets real infrastructure

Recent stablecoin updates in U.S. policy, including the promotion of the CLARITY Framework, are crucial to WeFi's plans. "This regulatory development confirms the direction of the industry and moves stablecoins from the edge of the market into a more formal stage," Sakharov said. But he also warned that clearer rules raise the bar. Companies now need to demonstrate real user access, monitoring and compliance work, not just faster applications. He added that some companies celebrate regulatory clarity "without understanding the operational discipline it requires," which is why compliance must be incorporated into the product architecture from day one, rather than added afterwards.

Why is working with Visa more difficult than it seems?

WeFi has also reached a partnership with Visa, which Sakharov said proved that on-chain banks can meet the operational disciplines required by traditional payment networks. He said the most difficult part was not the technology itself, but proving that the model could achieve the reliability, compliance and risk control required by large card networks. When it comes to regulation, the challenges are similar: Demonstrating innovation does not mean avoiding financial obligations, but building better systems while respecting user access, surveillance and security rules.

Interface hype vs real infrastructure change

Sakharov also refuted a common fintech trend. He believes that too much attention is focused on the interface layer-better apps, faster access, nicer dashboards-while the underlying accounts, clearing, custody and reconciliation layers remain unchanged. In his words, the industry sometimes "confuses digitalization with transformation." Moving slow processes into applications does not modernize the process, it just makes old systems easier to access.

What does this mean for the future market

Sakharov expects that commercial finance, rather than daily consumption, will be the first to be integrated on-chain. Companies are already feeling the pain of salary delays, currency risk and slow cross-border reconciliations, giving corporate finance teams greater motivation to adopt the new trajectory earlier than the consumer market. Looking further into the future, Sakharov said that if stablecoins become the default clearing layer of the Internet, WeFi will serve as the infrastructure for both sides of the entire technology stack: on one hand, the consumer-oriented experience, and on the other, the institutional financial operating system. He expects that by 2030, chain banking will no longer be like a separate crypto category, but just a normal form of financial access.

Conclusion

WeFi is working hard to make online banking commonplace rather than experimental. Through unified balances, WeChain, and partnerships with Visa, the WeFi encryption model relies on infrastructure changes rather than dazzling interfaces, aiming to steadily attract institutions and ordinary users. The Deobank approach reflects a broader market model: Infrastructure first fintech models tend to last longer than interface-only applications because they directly solve settlement and compliance issues rather than superimposing a more beautiful screen on the old track.

This content is for information purposes only and does not constitute financial, investment, legal or tax advice. Cryptocurrency and stablecoin products carry risks, including the possibility of losing funds. Readers should conduct their own research and consult a licensed financial adviser before making any financial decisions.