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NON-CUSTODIAL

Your users hold their own funds.

Non-custodial by design: users stay in control of their assets and no movement happens without their approval. You run the product, and no one has to hold your users’ funds.

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CAPABILITIES

What it does

Non-custodial by design

The platform never takes custody; users control their own assets end to end.

Approved by the user

Every movement is authorized by the user with a biometric confirmation on their device.

Recovery, not custody

Account recovery is built in, without any single party holding the keys.

Verifiable on-chain

Every balance and movement is anchored on-chain and independently verifiable.

How it works

Funds stay with the user, from wallet creation to settlement.

  1. Step 01

    Create the wallet

    Each user gets their own non-custodial wallet, ready in seconds.

  2. Step 02

    User approves

    Any movement is confirmed by the user on their device before it executes.

  3. Step 03

    Settle on-chain

    The approved transaction settles on-chain, fully auditable.

Who it’s for

Teams that want to serve users without ever holding their funds.

Fintechs and PSPs

Offer accounts and cards without taking custody of client funds.

Wallets and neobanks

Give every user a self-custody wallet under your own brand.

AI agents

Let agents act within user-approved limits, never holding the funds themselves.

MORE PRODUCTS

Pairs well with

Wallet Infrastructure

Create and operate wallets across chains with deposit detection, gas pooling and proof-of-reserves, without running your own nodes.

Learn more

Virtual Accounts

Issue named accounts per user in USD, EUR, GBP and local LATAM currencies, each with real bank details to receive funds. Deposits arrive on the rail their market runs on and reconcile against one ledger, ready to hold or auto-convert to stablecoin.

Learn more

AI-Agent Payments

Give autonomous agents a way to move money within signed mandates and spend tiers, with every action attested on-chain and callable from a live MCP server.

Learn more

Ready to build with Tokelia?

Tell us your use case and we’ll point you to the right layer: infrastructure, tokenization or Yakopay.

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