About

About Unity Cash

Unity Cash is our answer to a question that has bothered us for years: why does a debit card not pay you to use it?

Credit cards charge merchants 2-3% on every transaction and give a fraction back as rewards. The margin goes to the bank. With Unity Cash, we route that margin directly to users through yield on their locked balance. No bank extracting the spread. No annual fee subsidizing a points program.

The Model

You lock collateral. That collateral earns yield through the Unity Eco protocol. The yield pays your card balance. We earn fees on the yield infrastructure. Everybody wins except the traditional credit card industry.

We built the wallet, the card infrastructure, and the underlying yield protocol ourselves. No third-party yield aggregator. No white-label card provider extracting margin. Vertical integration from the smart contract layer to the physical card in your hand.