0 founding members
The money system isn't broken. It just wasn't built for you.
Send money anywhere, instantly, for free. Grow it your way.
Real People. Real Moments.
Four friends. One tap. Done before the waiter brings the check.
Splitting dinner in San Francisco
Why build diBoaS
Her name was Adelaide.
Why build diBoaS
Her name was Adelaide.
My grandmother never had access to the financial tools that could have changed her life.
The system was and is still working as designed. Just not for people like her. Like me. Like you.
Access is locked behind high minimums, complicated words, and big financial institutions that didn't and still don't care about people with small savings.
New technology made it possible to bypass the gatekeepers. I just had to build the door.
I named it after her.
Money that moves like messages.
Send and Receive
Send money to anyone on diBoaS. Anywhere in the world. In seconds. Free. Withdraw it anytime.
Now let's talk money.
What It Costs. All of It.
The average person pays hundreds of dollars a year in bank fees, transfer charges, and hidden spreads. Here's what it looks like with us.
| Action | diBoaS | Typical Apps | Difference | Example |
|---|---|---|---|---|
| Account | Free forever | $5 to $15/month | Save $60 to $180/year | Your account: $0. Always. |
| Add Money | 0.48% (min $0.25, max $25) | 0 to 1.5% | Cheaper than most apps charge to add money | Add $100: costs you 48 cents |
| Send Money | FREE | $1.50 to $50 | Save $5 to $50 per transfer | Send $50 to Mom: it costs less than a penny |
| Buy / Invest | FREE | 1.5 to 2.5% (exchanges, brokers) | Save $1.50 to $2.50 per $100 | Invest $100: it costs less than a penny |
| Sell / Close | 0.39% (min $0.25, max $25) | 1.5 to 2.5% (exchanges, brokers) | Save $1.11 to $2.11 per $100 | Sell $100: costs you 39 cents |
| Swap | FREE | 0.5 to 2% spread | Save $0.50 to $2 per $100 | It costs less than a penny |
| Grow (Strategies) | Free to start, 0.39% to exit | N/A | Growth options your bank doesn't offer | Start a $100 strategy: $0. Closing costs 39 cents. |
| Cash Out | 0.48% | 1 to 3% plus delays | Save up to $2.52 per $100 | Cash out $100: costs you 48 cents |
Account
diBoaS
Free forever
Typical Apps
$5 to $15/month
Your account: $0. Always.
Save $60 to $180/year
Add Money
diBoaS
0.48% (min $0.25, max $25)
Typical Apps
0 to 1.5%
Add $100: costs you 48 cents
Cheaper than most apps charge to add money
Send Money
diBoaS
FREE
Typical Apps
$1.50 to $50
Send $50 to Mom: it costs less than a penny
Save $5 to $50 per transfer
Buy / Invest
diBoaS
FREE
Typical Apps
1.5 to 2.5% (exchanges, brokers)
Invest $100: it costs less than a penny
Save $1.50 to $2.50 per $100
Sell / Close
diBoaS
0.39% (min $0.25, max $25)
Typical Apps
1.5 to 2.5% (exchanges, brokers)
Sell $100: costs you 39 cents
Save $1.11 to $2.11 per $100
Swap
diBoaS
FREE
Typical Apps
0.5 to 2% spread
It costs less than a penny
Save $0.50 to $2 per $100
Grow (Strategies)
diBoaS
Free to start, 0.39% to exit
Typical Apps
N/A
Start a $100 strategy: $0. Closing costs 39 cents.
Growth options your bank doesn't offer
Cash Out
diBoaS
0.48%
Typical Apps
1 to 3% plus delays
Cash out $100: costs you 48 cents
Save up to $2.52 per $100
*diBoaS fee shown. Third-party network fees may apply (typically less than $0.01).
A $100 investment costs $0 with diBoaS. Selling costs 39 cents.
What's the catch?
Fair question. Here's the real answer:
Investing is free. When you sell, we charge 0.39%. If you sell $100, we make 39 cents. The only way we earn more is if your money grows. And the fee never exceeds $25. Our incentives are aligned with yours.
No monthly fees. No surprise charges. No withdrawal penalties.
How? New technology removed the branches, the executives, and the legacy costs. We pass those savings to you.
Is there risk? Yes. Your money isn't in a bank. It's working through new technology. That means it can grow more, but there's also real risk. We monitor 24/7 and we test every strategy against past crashes, but we can't guarantee returns, and anyone who says they can is lying.
We win when you win. We show you both sides, the opportunities AND the risks, always.
Architecture: diBoaS is built on open-source and decentralized financial infrastructure (Blockchain and DeFi). This means every transaction is verifiable, every system is auditable, and your money moves without middlemen.
Your wallet: Every user gets their own personal wallet with their own private key. diBoaS never sees, holds, or has access to your key. If diBoaS disappeared tomorrow, your money would still be yours.
Security: Your wallet is secured so that no one, including diBoaS, can access your funds. Only you can authorize transactions. We only use audited and established protocols. Every strategy is tested against historical market crashes before it's offered to users. We monitor all positions 24/7. Transaction signing will always require your approval.
Transparency: All fees are disclosed upfront. All risks are stated plainly. No hidden mechanics.
See full technical documentationDon't take our word for it.
What would your $100 do here?
No signup. No real money. Just proof.
The first 1,200.
We're starting small so we can take care of every person who joins.
0 countries
Built by BAR
I grew up watching my grandmother Adelaide navigate a financial system that wasn't designed for her. She deserved better tools. So does everyone like her.
diBoaS is being established in Berlin, Germany, building for people in the US, EU, Brazil and expanding Worldwide. I've spent 20+ years working in Products and IT across Brazil, the US, Japan, and Germany. Now I'm building the financial tool I wish my grandmother had.
Let's connect.
Join the movement
Open access and fair opportunities for everyone.
Before you decide.
No. diBoaS is a platform that helps you connect with financial opportunities. We don't manage your money or make decisions about your funds. Your wallet is secured so that only YOU can authorize transactions. We provide the tools, you make the decisions.
No. If you want someone else to make financial decisions for you, that's not us. If you want a traditional bank with branches and paper statements, that's not us either.
diBoaS is for people who want control over their own money, transparency about costs, and access to opportunities that used to require $10,000 minimums. You don't need to understand everything right now, that's what we're here for. You just need to be willing to learn.
Yes. Your money is yours. Withdraw to your bank account whenever you want. The fee is 0.48%, so cashing out $100 costs you 48 cents. There are no lock-up periods and no penalties. We process your withdrawal instantly. Bank transfer times may vary.
Your money is secured by you. Only you hold the keys, no one else can access your funds without your permission.
That said, this isn't a bank account. Crypto-assets aren't covered by deposit guarantee schemes. The value of your assets can fluctuate, and you could lose some or all of your investment.
We show you both sides, the opportunities and the risks, always.
By cutting out the middlemen, the branches, the executives, the legacy costs. New financial technology does the same job at a fraction of the price. We pass those savings to you. That's the entire model.
$5. That's a coffee. Most investment platforms require $500 to $10,000 just to open the door. We think that's part of the problem.
Yes. Absolutely. You can use diBoaS only for sending and receiving money, free, instant, worldwide. The investing and growth features are there when and if you ever want them. No pressure. No package deals.
That's exactly who we built this for. Our goal is to make it so simple that anyone can do it. No jargon. No complicated decisions. Just clear options and transparent information. Start with $5. Explore. Learn. We're here every step.
The technology we use carries real risk. Returns can go up or down. The systems aren't perfect, no system is. We monitor 24/7, and we test every strategy against past crashes (COVID, FTX, Terra) before we offer it. We'll always tell you what's happening. But we can't eliminate all risk, and anyone who says they can is lying.
Your money is in YOUR wallet. Not ours. If diBoaS disappeared tomorrow, you would still have your funds, accessible through your wallet keys. We never hold your money. We never can. That's not a feature we added. It's how the whole system was built.
We're a pre-launch platform. Our strategies are stress-tested against historical crashes and real-world scenarios, and we use audited, established protocols. As we grow, we plan to pursue independent third-party audits. For full details on the protocols and technology behind each strategy, visit our Strategies and Protocols pages.
You'll receive an email with your Founding Member badge and number, your personal invite link (5 invites to share), and instructions to get started.
From there, you set up your wallet, add funds, and you're in.