Compliant DeFi API
One API for fiat ↔ crypto rails, wallets and real-time yield—fully regulated and audit-ready. Increase customer stickiness and revenue per user with on-chain services.
Why Return?
-
Vendor Sprawl
Multiple on-/off-ramp, wallet and DeFi vendors create brittle integrations and security gaps. Return replaces them with one audited API.
-
Slow Time-to-Market
Building rails, yield logic and compliance plumbing in-house can add 6–12 months. Return gets you live in weeks.
-
Compliance Headaches
KYC/KYB, AML, KYT and Travel-Rule requirements stall launches. Return bakes the full compliance stack into every call.
Core Capabilities
-
Unified Payment Rails
One endpoint for SEPA, SWIFT, ACH and card on/off-ramps, delivered through a single integration.
-
Real-Time Compliance Stack
Integrated KYC, KYB, KYT, AML & sanctions screening, plus TRP Travel-Rule messaging with 20 + registered VASP partners.
-
Multi-Chain Liquidity Engine
Automated routing, bridging and reward distribution across Ethereum, Solana, Bitcoin and EVM L2s—all orchestrated by a single API.
-
Programmatic DeFi Yield
Access audited yield vaults in USDC, EURC and ETH; auto-compounded returns and granular reward accounting via REST & Webhooks.
Explore Modules Built on the Same API
One API, All Chains
Integrating multiple blockchains separately is inefficient and resource-intensive—and shouldn’t distract you from your core business. With one unified API endpoint, you can give users seamless access to staking, bridging, and full asset flows (on-ramp to off-ramp) across all chains, now and into the future. Our future-proof design means you integrate once and automatically unlock every current—and upcoming—protocol or feature simply by updating a config file, while clear integration guides, GitHub examples, and responsive technical support get your team up and running fast so you can ship with confidence.
Our Technology Partners
Built for Trailblazing Fintech Companies
-
For Neo Banks
Embed crypto rails and stablecoin yield products into your core platform—powered by integrated custody, compliance, and infrastructure.
-
For Exchanges
Launch DeFi staking, lending, and swaps with integrated compliance—generating new revenue while reducing dev complexity.
-
For Wallets
Add staking, swaps, and on/off-ramps to your product—with built-in compliance and new revenue from wallet flows.
-
For Liquidity Aggregators
Embed a secure DeFi stack with multi-chain liquidity, compliant onboarding, and institutional-grade custody—all via Return’s API.
Supported Networks
The Return Finance API supports all EVM-compatible networks.
Latest on the Blog
Frequently Asked Questions
How is does yield generation work on DeFi?
Return Finance employs two distinct strategies. For stablecoins, yield is generated by supplying liquidity to lending and borrowing protocols and by capturing LP rewards. For ETH, yield is earned through staking via the Lido protocol.
What blockchains and protocols does the Return Finance API support?
The Return Finance API currently supports earning opportunities on Ethereum, Avalanche, Base, and Polygon. Our selection criteria prioritize protocols with high total value locked (TVL) and sustainable economic models. Supported protocols include Lido, Aave, MakerDAO, Ethena, and BENQI.
Do I need to manage separate integrations for each blockchain?
No — the Return Finance API abstracts away protocol and chain-specific complexity. You integrate once and gain access to multiple blockchains via a unified interface.
What currencies does Return Finance support?
Return Finance currently supports fiat on- and off-ramps for EUR, USD, and GBP as well as crypto transfers for USDC, EURC, and ETH.
Is the Return Finance contract audited?
Yes — all Return Finance smart contracts have been audited by weiChain, a trusted name in Web3 security. For full transparency, you can review the audit reports here: https://docs.return.finance/audits
How long does it take to integrate the Return Finance API?
Most teams are able to complete a basic integration within a few hours using our SDKs and prebuilt examples. Full production rollout timelines may vary depending on the product scope.
Where is Return Finance regulated and what licenses do they hold?
Return Finance is authorized as a Virtual Asset Service Provider (VASP) in the European Union and is a registered member of the Financial Services Standards Association (VQF) in Switzerland.