Compliant, on-chain wallets for fintechs
Launch user-specific wallets with full KYC, policy controls, and real-time auditability—through a single API. Enable DeFi savings and yield without compromising compliance, custody, or UX.
Built for compliance-conscious fintechs
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Full KYC/KYB & wallet attribution
Every wallet is uniquely tied to a verified user or business, ensuring regulatory alignment and full transaction traceability from day one.
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Travel Rule ready
Transactions across VASPs comply with evolving travel rule frameworks—ensuring your operations stay compliant in every jurisdiction you scale into.
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Audit-grade infrastructure
Integrated logging, authorization workflows, and role-based access let you meet internal, partner, and regulatory audit requirements effortlessly.
All the controls, zero complexity
Return abstracts the complexity of DeFi wallet management so you don’t have to. From identity-based wallet creation and key management to transaction policies and approval flows—everything is wrapped in a single API layer. You maintain full control, while we ensure safe, consistent execution behind the scenes.
Enterprise-ready custody & DeFi access
Our wallet stack connects to regulated custodians for platforms that require a custody partner, while also supporting non-custodial logic for maximum flexibility. You define how wallets operate—whitelisting destinations, setting user permissions, or enabling automated strategies—while users access DeFi protocols like staking, vaults, or liquidity pools with institutional-grade safeguards.
Compliant by design
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VASP-authorized in the EU
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VQF member in Switzerland
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KYC, KYB, KYT, Travel Rule integration
Use cases that scale
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Neobanks
Embed yield-bearing accounts or staking options into your mobile banking app—no internal DeFi expertise required.
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Investment Platforms
Offer your users access to tokenized yield products and vault strategies inside a regulated wallet environment.
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Corporate Treasury Tools
Enable safe, policy-governed exposure to on-chain yields for your treasury clients, with real-time reporting and compliance built in.
Unlock more with Return
Explore the rest of Return’s embedded DeFi suite—from fiat on/off ramps to protocol development. All designed to help fintechs launch and scale on-chain products faster.
Our technology partners
Supported networks
The Return Finance API supports all EVM-compatible networks.
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.