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DeFi made easy

Return Finance provides fintechs and investors worldwide with compliant access to stablecoins and DeFi yields.

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Compliant by design

  • VASP-authorized in the EU

  • VQF member in Switzerland

  • KYC, KYB, KYT, Travel Rule integration

Experience DeFi like never before

Return Finance offers a suite of products that enable intuitive, secure access to DeFi innovation tailored to the needs of both retail and enterprise customers.

Return API
Return Lite
Return Pro
Institutional
Return Finance API

Integrate compliant DeFi capabilities into your services with our API. Boost customer acquisition and improve client lifetime value.

Integrate now

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Return Finance Lite

Effortlessly convert your USD, Euro, and GBP to stablecoins and start earning market-leading yield instantly with minimal setup.

Start now

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Return Finance Pro

Take full control over your investments with our DeFi yield aggregator, designed for sophisticated investors looking for personalized yield farming portfolios.

Learn more

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Corporate treasury

Enhance your corporate treasury strategy with secure and compliant access to premium DeFi protocols, maximizing returns and liquidity.

Explore

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Why choose Return Finance

  • End-to-end compliance

    Experience DeFi with MiCA-aligned KYC/KYB, Travel-Rule adherence, real-time AML/KYT. Audit-ready reporting from day one.

  • Multi-chain liquidity

    Access Ethereum, Solana, Bitcoin, & EVM L2s with smart routing, bridging, and reward distribution—all through one seamless gateway.

  • Institutional-crade custody & wallets

    Leverage Fireblocks-powered custody with MPC encryption, insurance coverage, and both custodial and self-custody wallet options.

  • Stablecoin rails & banking on/off ramps

    Convert fiat ↔ stablecoins at competitive rates and connect to global payment networks via ACH, SEPA, and SWIFT.

Unlock DeFi for your platform's userbase

Get everything your project needs to launch, scale, and monetize DeFi.

Crypto Liquidity Hub
DeFi wallet
Web3 banking
Protocol development
Fiat-to-Crypto Liquidity Hub

All your on-ramp / off-ramp rails—SEPA, SWIFT, ACH, cards—plus instant stable-coin conversion in one API. Give users friction-less EUR ↔ USD ↔ USDC flows while we handle KYC, AML and Travel-Rule adherence.

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Regulated DeFi wallet

Spin up identity-linked wallets—with KYC, policy controls and real-time audit trails—through a single call. Users get one-click access to staking, vaults and swaps; you stay fully compliant and in control.

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Web3 banking

Embed yield-bearing accounts, stable-coin payments and multi-chain liquidity inside your existing app. Our turnkey stack delivers on-chain savings and cross-border transfers without exposing your team to smart-contract complexity.

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DeFi protocol development

Launch branded DEXs, lending markets or restaking vaults in weeks, not months. Use Return’s audited primitives, configurable parameters and managed governance layer to deploy secure, white-label DeFi products without writing Solidity.

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With Return’s Fiat to Crypto Payments & Liquidity Hub we covered SEPA, SWIFT, FPS and card rails through a single integration. No vendor juggling, a dramatically shorter go-live timeline, and our clients now enjoy instant, compliant access to stablecoin liquidity.

Alexander Drangajov CEO, Globawise

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Return’s Regulated DeFi Wallet solved our biggest payroll challenge for Web3 clients: paying global teams in crypto while staying fully compliant. With KYC-linked wallets, audit trails, and Travel-Rule messaging baked in, we can deliver seamless USDC payroll without exposing our clients—or us—to regulatory risk.

Philip Balkanski CEO, Codery

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Working with Return’s Crypto Liquidity Hub let us integrate bank‑grade on‑/off‑ramps and stablecoin liquidity into our client projects in a fraction of the usual time. The API is reliable, scalable, and fully compliant—exactly what we need to deliver bespoke financial solutions without reinventing the wheel.

Georgi Sokolov COO, Wiser Technology

Backed by the best in the industry

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Frequently Asked Questions

What currencies does Return Finance support?

You can make deposits in multiple currencies like fiat – U.S. Dollar and Euro, stablecoins – USDC and Euro, and altcoins - ETH. In 2025, we will add support for popular cryptocurrencies like Bitcoin, Solana, and more.

How can I add money to my Return Finance account?

You have several options for adding funds to your account, based on your preferred currency. For fiat, you can use a bank transfer, a card, or popular payment methods like Apple Pay and Google Pay. Alternatively, you can directly deposit USDC and ETH, and we’ll provide you with a personal wallet on a layer 2 network. Coming soon: you'll be able to top up in Euro using your Revolut account.

Do I have access to my money once I deposit?

There’s no lock-up! You retain access to your deposits and the generated yield, and can withdraw your money at all times without additional fees.

Is Return Finance a regulated company?

Return Finance is authorized in the European Economic Area as a Virtual Asset Service Provider (VASP) by the Financial Crime Investigation Service (FCIS) of Lithuania; no. 306264593. Our license allows us to operate in all 27 EU member states and ensures we follow strict KYC and AML/CTF procedures. We are also an SRO member of the Financial Services Standards Association (VQF) in Switzerland; membership no. 101140.

Is Return Finance a secure service?

Your assets’ safety is paramount. To make our application robust and reliable, we’ve built an institutional-grade infrastructure, and we partner with industry-leading RegTech companies like SumSub, Moonpay, Chainalysis, and Circle. Custodial assets are insured through our wallet provider, Fireblocks. We employ two-factor authentication and achieve regulatory compliance through leak-proof AML and KYC checks. The Return smart contracts have been rigorously audited by weiChain. For transparency, we invite you to inspect the audits at https://docs.return.finance/audits

Risk Warning

Investments in stablecoins, crypto-assets, and decentralized finance (DeFi) products are not risk-free. These investments can be subject to significant market volatility and other risk factors. Please refer to our risk factors for further information.