Yield-powered digital finance
Offer crypto-native savings, payments, and investment features—right inside your existing app. With a single integration, deliver on-chain yields, fiat rails, and Web3 services at enterprise scale.
Built for fintech teams
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DeFi‑driven earnings
Let your users passively grow balances in USDC, EURC, or ETH—no DeFi expertise required
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Familiar UX
Deliver staking, yield vaults, and liquidity flows with the mobile‑banking interfaces your customers already know.
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Seamless fiat on/off ramps
Combine DeFi with traditional rails like SEPA, SWIFT, FPS, and card payments—all through one API
DeFi yield, embedded
Our Embedded DeFi Yield Suite brings curated, production‑ready strategies into your platform without smart‑contract work. We handle vault selection, reward compounding, and protocol upgrades—giving you access to top‑tier DeFi protocols (Ethena, Aave, Lido, MakerDAO, Benqi) across Avalanche, Base, Ethereum, and Polygon.
Use cases
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Neobanks
Embed high‑interest savings accounts and staking options directly in your banking app to boost deposits and customer loyalty.
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Savings apps
Help your users grow their emergency funds and rainy‑day savings with on‑chain interest. Embed high‑yield stablecoin vaults directly into your app’s familiar savings interface—no DeFi expertise required.
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Wealthtech platforms
Enable your advisors and clients to allocate assets into transparent “Earn” products seamlessly. Offer regulated, programmable yield strategies alongside traditional investment options—without adding custody or compliance complexity.
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
Unlock more with Return
Complement your payments and liquidity stack with additional DeFi-native infrastructure from Return.
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.