INCPT IO · Wallet, Card & Staking
Your money, fully yours.
A wallet with an AI core: daily yield, a card, swaps and markets — all in one app. The keys stay with you.
A wallet with an AI core: daily yield, a card, swaps and markets — all in one app. The keys stay with you.
You put stablecoins into a Vault. A third-party protocol then puts them to work — a program that follows rules written in advance. You get a percentage for it: every day or once a month, depending on the Vault. Rates float with the market: the range, the payout schedule and the limit are shown before you confirm.
APY is what a year would bring if the rate never moved. All rates are floating: the ranges shown move with market conditions, and yield is provided by a third party under the relevant smart contract. Ongoing top-ups and withdrawals are available in the Liquid Vault; totals per staking type are capped as shown.
What each Vault holds, what it earned today and what it has earned since you opened it.
Several deposits side by side, each with its own term and payout schedule.
Work it out in advance: what a year brings, and what ten years bring.
Visa or Mastercard draws straight from your USDT and USDC. The exchange happens the second you pay: you keep the stablecoins, the shop gets its own currency.
Pay anywhere either network is accepted, online and over the counter. That is more than 200 countries and territories.
Add it to Apple Pay or Google Pay and pay with your phone — before the plastic arrives.
The EU, the EEA and other countries. Every transaction in one history.
Accounts in your name across 20+ currencies, with IBAN and local details. An ordinary bank transfer — at home and abroad alike.
A separate balance per currency — USD, EUR, GBP and more. A payment arrives in the currency it was sent in, without being converted on the way.
The account is in your name, so money arrives as an ordinary transfer.
The same money earns in a Vault, sits in an account and spends on a card.
Swapping one coin for another takes a couple of taps. The exchange fee is in the rate, the network fee is free, and you see what you receive before you confirm.
The exchange fee sits in the rate and the network fee is free. What you see is what arrives.
What you receive is shown at once, fee included.
Trades run on-chain and settle from your own wallet. No exchange account, no deposit. Markets, a pair, the book and the order — without leaving the app your money already lives in.
Price, 24-hour volume, the day’s move and the leverage available, in a single list.
Collateral, position size and the liquidation price — before you open and all the while it runs.
Collateral leaves the wallet directly, profit returns to it.
Leverage works both ways: whatever it multiplies in profit, it multiplies in loss. If the market goes against you the position is closed automatically and the collateral is gone. Perpetual contracts run on Hyperliquid infrastructure.
Paying by QR is how Brazil, India and China already pay: a camera instead of a card. Same here, only the money leaves a crypto balance. You pay in digital assets, the merchant is paid in the currency they know. It all clears in seconds. From the same balance you can simply send money to anyone.
Scan a payment terminal or a bank QR. You can also pick the code out of your gallery.
The merchant’s app confirms the payment while you are still standing there.
To an address or to another INCPT user, from the same balance — the fee is known up front.
You pick the chain as you send: TRC-20, ERC-20 and the rest. The dollar value is counted as you type.
If you run a business, INCPT Pay takes both cards and cryptocurrency — on your site, in your app and across the counter. The buyer pays however they like, and ordinary money reaches your company account.
The payment page embeds into your site or app. The buyer chooses what to pay with — card or crypto, which coin and which network.
A portable Android terminal with INCPT Pay already installed: switch it on and it works. It keeps taking payments even where there is no internet.
The buyer scans a code and pays in USDC, or uses Bybit Pay and Binance Pay. It clears at once, at a 1:1 rate, and arrives as ordinary currency.
A key is the password to your money, and it is kept on your phone. Neither we nor anyone else can move your coins or freeze the account. An exchange can shut down and it makes no difference to your wallet. This is what self-custody means, and in crypto they put it shorter: be your own bank.
USDT, USDC, BTC, ETH, SOL, BNB, TON and other coins — each on its own networks: TRC-20, ERC-20, BEP-20 and the rest. One wallet instead of a separate app per coin.
To an ordinary address, by a private route, or to another INCPT user by their ID — then there is no long string of letters and digits to copy.
Coins, DeFi positions, cards and Vaults — on one screen and in one total. No need to keep five apps and add it up in your head.
Every transfer is confirmed with a physical card that carries an NFC chip, the size of a bank card. Hold it to your phone and the transfer goes; don’t and it doesn’t. The card has no internet, no battery and no ports, so there is nothing to break into remotely. Until the card is in someone else’s hands, money does not leave that account.
The phone sends the transfer in and gets the signature back. Nothing else leaves the card.
No seed phrase — none of those twelve words on a scrap of paper that get lost and photographed. A backup card takes its place: keep it somewhere else and access comes back from it.
It shows in INCPT IO as its own account. Topping it up is done from the app; taking money out needs the card itself. The phone holds what you spend, the card holds the rest.
Travel, connectivity and the things you would otherwise book separately — in the same app. eSIM, lounges and fast track give 10% back.
Data abroad without fussing with SIM cards. Pick a plan, pay from your balance, and 10% comes back.
A quiet seat before the flight, and no queue at security and passport control. Booked from the app, with 10% coming back.
Local currency to USDT and back, person to person, with no fee on the swap.
5% of what the people you bring put into lockup deposits. Paid out as they open them.
Tokenized shares and bonds of companies in the real economy — on the same screen as the crypto. Not open yet.
An AI adviser inside the wallet. It helps you manage your capital and turns idle money into passive income. It looks for where money can earn and brings you a finished move with the arithmetic. You agree — it carries it out and keeps watching.
It looks across Vaults, markets and stablecoins and shows the actual figures.
A Vault near the end of its term, a balance sitting idle, a position drifting toward liquidation — it notices in time and says so.
Every action waits for a yes, and any suggestion can be declined with one tap.
The incpt.ai models compare strategies by yield and by risk and move money to where the conditions are better. The market shifts overnight, and the rate in the app shifts with it.
The wallet runs on its own infrastructure. Cards and accounts sit with regulated providers for whom compliance comes first.
Self-custody by default: money moves only when you sign.
The wallet lives apart from the rest of the ecosystem. A failure next door cannot reach your keys.
Cards and accounts are issued by companies that have passed PCI DSS, SOC 2 and ISO 27001.
The wallet, swaps, staking, referrals and payment cards already work. Open INCPT Wallet in Telegram or in your browser and try it on your own balance.
Yield is neither guaranteed nor fixed: rates float with the market. Limits, availability and the list of countries depend on the product and your region.
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