Mintware · Liquid Sovereign Account Coming soon

Spend while you earn.

Institutional Yield

Combines Uniswap v4 market-making with Aave lending to continuously compound your principal.

Instant Real-World Spending

Pays out instant card purchases.

Yield-Only Spending

Card swipes use accrued yield while leaving your underlying principal untouched.

Native USDC Gas

Frictionless transactions powered by USDC.

The thesis

End the idle cash tax

Every cash product forces a broken trade-off between liquidity and yield. You pick one and pay for the other. The Liquid Sovereign Account is designed to end that trade-off.

Product
Liquidity
Yield
The catch
Traditional checking
100% liquid
~0% yield
Purchasing power rots to inflation.
Savings & CDs
Locked
Yield-bearing
Capital trapped behind withdrawal windows.
Traditional DeFi LPs
Friction-heavy
High yield
Manual unwinding, DEX swaps, gas, tax events.
Liquid Sovereign Account
100% liquid
Institutional yield
Aave v3 + v4 MEV recapture — earnings instantly spendable in the real world.
The flow

One balance. Two engines. Real-world spend.

01Zero extra tokens
Deposit USDC
Put USDC into the vault with zero extra tokens or complicated setups.
02Interest + trading fees
Grow Your Balance
Your money earns automated interest and trading fees around the clock.
03No account lockup
Tap to Pay
Swipe your card anywhere. The system holds the exact amount needed without locking up your account.
04100M+ Visa · under ½ sec
Instant Real-World Spend
Spend your earnings at over 100M Visa merchants worldwide in under half a second.
The moat

Why generic crypto cards can’t do this

JIT liquidity isolation
Spend without disrupting depth
How it works

Your money is split: most sits safely earning interest, while a smaller portion powers active trading. When you swipe your card, payment comes directly from the interest buffer.

Why it matters

You can spend cash in the real world without pulling money out of active trades — your yield engine never stops running.

The spent-yield loop
Principal compounds forever
How it works

Card purchases automatically burn accrued yield first before touching your initial deposit.

Why it matters

Your core balance stays untouched and compounds forever, funding perpetual daily spending.

Identity-layer embedded
No custodian, no off-ramp
How it works

Your passkey links your wallet, vault balance, and card permissions into one secure identity.

Why it matters

No middleman exchanges or centralized custodians hold your money. You retain total control of your funds with zero off-ramp fees or hidden conversion costs.

✴ Liquidity as a public good

Money That Earns 24/7, Ready When You Are

Mintware turns locked capital into a spendable asset. Your deposit continuously generates institutional yield for you while strengthening market liquidity for everyone — and your earnings are instantly available to spend at point-of-sale.

Never idle, never locked, always yours.

Where it goes

Three ways the account ships

Vertical
The pitch
The line
HNW DeFi checking
Earn institutional yield while buying coffee.
“Why keep $250k at 0.01%?”
Capture Aave yield + LVR arbitrage on-chain, yet remain instantly spendable via Apple Pay.
Corporate treasury OS
Yield-funded team debit cards.
Fund spend out of yield
DAOs and startups hold idle USDC. Issue team cards mapped to vault allowances — corporate spend funded purely from yield.
Invisible DeFi
Deposit dollars, tap your phone, watch it grow.
No hooks to understand
Mass retail never sees v4 hooks, JIT, or Aave adapters — just a balance that grows every day, even as they spend.
Estimate

Your always-liquid yield

See what your balance could earn while staying 100% spendable — no lockup, no withdrawal window, principal untouched.

Your balance (single-sided USDC)$250k
$10k$10M
Estimated blended APY (Aave + v4 MEV)8.0%
1%20%
Estimated monthly yield
$1,667
$20,000 a year — earned while fully spendable
Locked or withdrawn: None — 100% spendable

Illustrative estimate only. Not a quote, offer, or guarantee of yield. Actual returns vary with market conditions.

Settlement stack

Native on Arc. Settled by Circle. Spent on Visa.

Built on Arc using USDC for gas, payments authorize via Privy and settle in sub-350ms through Circle for instant spending at 100M+ Visa and Apple Pay terminals — with zero off-ramp fees or extra tokens.

ArcNative chain using USDC for gas.
CirclePayment network with sub-350ms settlement.
PrivyPasskey identity for card spending power.
VisaAccepted at 100M+ terminals globally.
Single-sided USDC deposit
Settlement paid directly from interest buffer
Sub-400ms point-of-sale approval
Coming soon

Be first to the Liquid Sovereign Account

The account opens soon. Leave your email for early access when yield-bearing, instantly-spendable cash goes live.

Read the docs