Where does the growth come from?
The growth isn't magic. It's your money doing what banks do with it, but with diBoaS, you keep most of the profit instead of them.
The money system isn't broken. It just wasn't built for you.
See what $1,000 does in a year when you have access to fair opportunities.
$1,000. 1 year. You decide.
| Bank | Neobanks | Treasuries | diBoaS | |
|---|---|---|---|---|
| APY | 0.32% | 3.35% | 3.32% | ~7% |
| 1-Year Return | +$3 | +$34 | +$33 | +$70 |
Bank0.32%+$3
Neobanks3.35%+$34
Treasuries3.32%+$33
diBoaS~7%+$70
Comparison rates based on publicly available US data as a last 5 years average. Yield rates are subject to change and may vary across products. Digital dollar yields involve risk, including potential loss of principal.
This is not about investing. It is about you, for the first time, having the opportunity to change the game in your favor.
Build wealth using your Goals.
Goal: The 10% Rule $4.9k
Goal: Christmas Bonus $181
Goal: Retirement Plan $79k
Goal: Emergency Fund ~15 months
Here's why this exists.
Why we are building this?
Why we are building this?
Our founder's grandmother saved half of everything she earned her entire life. Her bank paid her almost nothing.
She didn't know there were better options. Nobody told her. The language was too complicated. The minimums were too high. The institutions didn't care about people with small savings.
$10,000 to open an investment account. $25 a month just to keep a checking account open. That was the price of access.
You just used it.
New technology made it possible to go around the gatekeepers. We just had to build the door.
More than Goals
What happens to your money?
Your money lives as digital dollars in a wallet that's yours, not ours.
Not a balance we can freeze. Not a fund we can lend out. Not something that disappears if diBoaS disappears.
What if something goes wrong?
You can lose money. Real money. However, you're always in control. Pause deposits anytime. Pull money back when you need it. Choose safer or bolder strategies depending on your goal.
Take Control and Free your Money
Send and Receive
Send money to anyone on diBoaS. Anywhere in the world. In seconds. Free. Withdraw it anytime.
You saw the numbers. Here's the cost of getting there.
What It Costs. All of It.
| 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% | 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% | 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%
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%
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).
What's the catch?
Fair question. We get it every time.
Your money doesn't sit still at your bank. They put it to work. They earn real returns on it. What do they give you back? Almost nothing.
The gap between what they earn and what they pay you is their entire business model.
We close that gap. With diBoaS, the returns go to you. Not to executives. Not to branches. To you.
Investing is free. When you sell, diBoaS takes 0.39%. You sell $100, diBoaS makes 39 cents. That's it. The only way diBoaS earns more is if your money grows first. The fee never goes above $25.
No monthly charges. No surprise fees. No penalties for leaving.
Architecture: diBoaS runs on open financial infrastructure. Every transaction is recorded publicly. Every system is auditable. Your money moves without middlemen taking a cut.
Your wallet: When you sign up, you get your own wallet with your own key. diBoaS never sees it. diBoaS never stores it. diBoaS can't access it. If diBoaS disappeared tomorrow, your money would still be yours. That's not a feature we added. That's how the whole thing was built.
Security: Nobody can move your money without your permission. Not a hacker. Not an employee. Not us. Every strategy is tested against historical crashes before you ever see it. Every transaction requires your approval.
Lose your phone? You recover your wallet. No seed phrases, no panic.
See full technical documentationJoin us.
Open access and fair opportunities for everyone.
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.
I spent 20 years building products for other people's companies. In São Paulo, New York, Tokyo, Berlin. Now I'm building the one thing I wish had existed for her.
Before you decide.
No. diBoaS is a platform that connects you 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.
Your money is secured by you. Only you hold the keys. Nobody 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.
Yes. Your money is yours. Withdraw whenever you want. The fee is 0.48%, so cashing out $100 costs you 48 cents. No lock-up periods. No penalties.
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.
Join the Movement!
Be part of the change. Many are experiencing fair access for the first time. Subscribe to our waitlist.
Be among the first.