Crypto adoption is stuck. ShredPay is built to unstick it.

More than 80% of Americans, including 89% of American women, have nothing to do with crypto. Overall U.S. adoption has been flat for years, despite billions spent by centralized exchanges on marketing, giveaways, and celebrity deals.

The problem was never awareness; 70% of Americans are aware of crypto. The problem is trust. Under the most common model, centralized exchanges act as your broker, your custodian, and the exchange.  For individuals who are accustomed to traditional finance, something about this seems wrong. Blockchain technology is real; the model built on top of it has failed the people they were supposed to serve.

That gap between what crypto can do and what it has delivered represents one of the largest untapped opportunities in fintech. ShredPay is built to close the gap.

The existing options are broken. There is no safe middle ground.

When you buy crypto on the centralized exchanges, you do not hold it. They do. Your assets sit on their balance sheet in their wallets. You are trusting their solvency, their security and fees that may not be that transparent. And unlike traditional finance, centralized exchanges are your custodian, broker, and exchange in one. Recent history has shown repeatedly what happens when that trust breaks.

Having your own digital wallet on the blockchain is the right answer, but it requires technical knowledge. Seed phrases. Protocol research. Interfaces designed for developers, not everyday users.

So Americans are stuck choosing between:

• Easy, but the exchange holds your assets
• Safe, but figure it out yourself

Nobody has built the third option until now.

Having your own wallet, simplified. The option Americans have been waiting for.

ShredPay gives you the control of a non-custodial wallet with the feel of a modern fintech app.. Download the app, complete KYC, and start transacting in minutes . This is not a roadmap. It is a product you can use right now.

Cash to crypto in a few taps. Connect your bank account and move into stablecoins, BTC, ETH or other flagship crypto without jumping between apps or opening an exchange account.

Risk-rated DeFi yield. Access curated vaults from protocols like Aave and Morpho, scored through the ShredPay DeFi Ratings Index with variable APYs currently as high as 8%. We do the research and you choose the risk level. 

Peer-to-peer stablecoin payments. Send money globally, instantly, at a fraction of wire transfer costs.

Your digital wallet, always. ShredPay never holds your assets. If we disappear tomorrow, your crypto stays yours.

Live, growing and already in boardrooms that matter.

Live, growing and already in boardrooms that matter.

ShredPay launched its app with proven transaction flows across on-ramp, yield, compliance and payments. On the institutional side, the team is in conversations with financial institutions that collectively hold more than $3 trillion in assets.

• Conversations with, for example, brokerages, asset management custodians and investment advisors with assets of approximately $3T and regional and community banks with assets greater than $600 B.
• Wyoming Stable Token Commission Licensed Service Provider application in progress.
• Banking core processor integration in progress, opening a direct channel to 8,000+ banks and credit unions
• Founders have spoken at Token2049 Singapore, CoinAlts Fund Symposium San Francisco, and iConnections Miami

Three revenue streams that grow with every transaction.

ShredPay generates revenue in ways that scale naturally with usage:

• Transaction fees. Basis-point fees on every fund flow: swaps, payments and yield deployment.
• Infrastructure SaaS fees. Recurring fees from bank and merchant integrations using ShredPay's embedded infrastructure.
• Value-added services. Fees for routing, compliance monitoring, and liquidity management.

Built by a U.S.-based professional team who know finance and who know digital assets.

No crypto bros and no slick wall street salesmen.

Melissa Muehlfeld served as Global General Counsel and Head of Licensing at a global centralized exchange after a career in securities law at Morgan Stanley, Sidley Austin, and Wilson Sonsini. She spent years getting exchanges licensed across global jurisdictions. 

Mauricio Beugelmans spent over two decades as a securities and compliance attorney at national law firms (representing investment banks), Morgan Stanley, and Charles Schwab before becoming Chief Legal Officer, Head of Legal and Compliance at a global centralized exchange.

Peter Chang was VP of Product at a global centralized exchange and previously built products at Square, Facebook, Microsoft, and Lime. He built ShredPay's infrastructure to be what he always wished existed: DeFi-grade yield access with a consumer-level experience.

Defining a category the biggest players cannot enter.

People don't trust crypto exchanges. Most cannot put their finger on why. We know why.

Centralized exchanges are your broker, your custodian, and they run their own exchange. In traditional finance, the exchange is kept separate for a reason. Bundling them can create an inherent conflict and can be confusing. It is why Bitcoin can trade at eight different prices across eight different exchanges. It is why hidden spreads exist. It is why collapses keep happening.

ShredPay breaks that mold. We route trades through decentralized exchanges that provide absolute transparency. Your assets never touch our balance sheet. This is not a marginal improvement on the existing model. It is a different model entirely.

While others debate whether self-custody can be made simple, ShredPay has already built it.

Bringing the next 100 million Americans onchain.

Nearly 90% of American women do not hold crypto. Crypto adoption among women, the group controlling the majority of consumer spending in the United States, has barely moved in three years despite the industry's best efforts.

This is a product problem. Nobody has built something safe enough, simple enough, and trustworthy enough for the mainstream.

ShredPay is built for those who are new to crypto and those who are experienced in crypto. Every vault risk-rated. Every fee visible. Every asset held entirely by the user. .

When crypto feels like your bank account instead of a trading floor, the 89% become users. That is the shift ShredPay is here to make.

ShredPay has already raised $1.9 million from investors.