Non-Custodial · No Credit Check · 5 Minutes

Escape 22% Interest.
Borrow at
2.4%
on-chain.

Deposit BTC, ETH, or SOL as collateral. Borrow stablecoins at DeFi rates. Pay off your high-interest debt in minutes. Keep your crypto.

Start SavingHow it works ↓
Your Annual Savings

Slide to match your debt — updates instantly.

My debt balance$12,775
You save every year
$2,565

22.5% → 2.42% on $12,775

$214
Per month
$12,825
Over 5 years
LIVE RATES
Deposit. Borrow.
Pay off. Keep it.
Use your crypto as collateral and borrow stablecoins at DeFi rates. Send USDC to your bank to clear your debt instantly.
Morpho
2.42%
Aave V3
2.87%
Compound
3.10%
Position HealthSafe ✓
3.14
Liquidation below 1.0
$1,032
Liq. Price
$3,241
ETH Now
$49K
Collateral
26.3%
Utilization
Powered by
Aave V3Morpho BlueCompound V3DefiLlamaMetaMaskRainbowKit
Aave V3Morpho BlueCompound V3DefiLlamaMetaMaskRainbowKit
How it works

Four steps to financial freedom

No bank appointments. No credit checks. No paperwork. Just your wallet and your crypto.

01
Connect Wallet
Link MetaMask, Coinbase Wallet, Rainbow, or any WalletConnect wallet. Takes 5 seconds.
→
02
Select Your Debt
Choose what you want to pay off — credit card, personal loan, auto, or student debt — and enter your balance.
→
03
Deposit Collateral
Choose ETH, WBTC, stETH, or SOL. We calculate your max borrow amount instantly based on LTV ratios.
→
04
Execute & Pay Off
Sign the transaction. USDC arrives in your wallet. Send it to your bank. Your high-interest debt is gone.
How Borrowing Works

Your crypto stays yours.
Your debt disappears.

RefiFi connects your wallet directly to Aave, Morpho and Compound — the world's largest DeFi lending protocols. Here's exactly what happens to your money.

Your Wallet
You hold ETH, BTC or SOL. Worth $48,000.
15 ETH
Your collateral
Smart contract
Aave / Morpho
Holds your ETH as collateral. Lends you USDC.
2.42% APR
Borrow interest
USDC in Wallet
Stablecoin worth $1 each. Goes straight to you.
$15,000
USDC received
Credit Card Gone
USDC converts to USD. Sent to your bank. Debt cleared.
22.5% APR
Eliminated
Your ETH never leaves the blockchain
It goes directly from your wallet into Aave's smart contract. RefiFi never touches it. You can withdraw it any time by repaying the loan.
Health Factor protects you
Your Health Factor shows how safe your position is. Above 1.5 = safe. We email you if it drops below that so you can add collateral before any risk of liquidation.
Repay anytime, no penalties
No minimum monthly payment. No fixed term. Just send USDC back to Aave when you're ready. Your ETH is released the moment you repay in full.
How Supplying Works

Supply crypto.
Earn interest automatically.

Don't want to borrow? Supply to the same protocols and earn yield 24/7. No bank. No middleman. No minimum.

Supplying — Earn Yield
Passive yield
You deposit crypto into the protocol. Borrowers pay to use it. You collect that yield passively, fully on-chain.
3-5%
Supply APY
24/7
Earns interest
Borrowing — Save on Debt
Lower APR
You deposit collateral and borrow USDC at low rates. Use it to clear high-interest debt while keeping crypto upside.
2.42%
Borrow APR
$3,012
Avg savings/yr
Supply Flow — Step by Step
Your Wallet
Hold USDC, ETH, or WBTC.
$10,000
Your assets
Aave / Morpho
Lends to borrowers. Collects yield.
$27B TVL
Secured by
Interest Accrues
Added to balance every block.
+$400/yr
At 4% APY
Back to You
Withdraw anytime. Principal + yield.
$10,400
After 1 year
No Lock-up Period
Withdraw anytime. No fixed terms or exit penalties.
Non-Custodial
Only your wallet can authorize withdrawals.
Beat The Bank
Target 3-5% APY vs about 0.5% bank savings.
Multi-Chain
Supply on Ethereum, Base, or Arbitrum.
Savings Calculator

See exactly how much
you save

Move the sliders to calculate your personal savings. Most users save $2,000–$8,000 per year.

Your debt amount
$12,775
Your current APR
22.5%
Annual Savings
$2,565
22.5% → 2.42% on your debt
5-Year Total
$12,825
DeFi Protocols

Choose your borrow rate

All fully audited with billions in TVL. Your funds go directly to their smart contracts — not to us.

Lowest Rate
Morpho Blue
TVL $4.2B · Ethereum Mainnet
2.42%
APR · USDC borrow
7-day rate trend
Most Liquid
Aave V3
TVL $27.1B · 3 Networks
2.87%
APR · USDC borrow
7-day rate trend
Battle-Tested
Compound V3
TVL $3.8B · Since 2018
3.10%
APR · USDC borrow
7-day rate trend
Why RefiFi

The smarter way to borrow

Feature
RefiFi
Credit Card
Annual Interest Rate
2.42% APR
22.5% APR
Credit Check
None ✓
Hard Pull ✗
Approval Time
Instant ✓
Days–Weeks ✗
Keep Your Crypto
Yes ✓
N/A
Full Custody of Funds
Always ✓
Bank owned ✗
Savings on $15K/year
Save $3,012 ✓
Pay $3,375 ✗
AI Risk Advisor

Claude AI analyzes
your position before
you sign anything.

Before every refinance, our AI advisor reviews your health factor, rate differential, and collateral ratio — then gives you a clear GO, CAUTION, or WAIT verdict with specific insights tailored to your position.

Personalized to your numbers
Not generic advice — the AI sees your actual debt amount, collateral, health factor and rate savings.
Instant analysis
Results in under 2 seconds. No waiting, no forms, no human advisor needed.
Private by design
Your position data is only used for this analysis and never stored or shared.
AI AdvisorStrong Opportunity

"Save 20.1% — this refinance is a no-brainer"

Your 22.5% credit card rate is costing you $3,012/yr in unnecessary interest. Switching to Morpho Blue at 2.42% locks in significant savings with a healthy 2.41 health factor.

Risk
If ETH drops more than 32% from current levels, your health factor falls to the warning zone.
Tip
Set up liquidation alerts at HF 1.5 — RefiFi will email you before any risk materialises.
AI AdvisorProceed Carefully

"Add more collateral to stay safe"

Your health factor of 1.38 leaves limited buffer. A 15% drop in ETH price could approach liquidation territory.

Powered by Claude Sonnet · Analyzes your actual position numbers
Platform Features

Everything you need.
Nothing you don't.

Non-Custodial
Your keys, your crypto. RefiFi never holds your funds. Every transaction goes directly between your wallet and the DeFi protocol.
AI Risk Advisor
Claude AI analyzes your position before execution — giving you a clear GO, CAUTION, or WAIT verdict with specific risk insights.
Liquidation Alerts
Real-time email alerts when your health factor drops. We watch your position 24/7 so you’re never caught off guard.
Live Rate Comparison
We pull live borrow rates from DefiLlama every 60 seconds across all three protocols so you always get the best deal.
Instant Cash Out
Convert USDC to USD and send directly to your bank via Ramp Network, Transak, or Sardine — in under 2 minutes.
Multi-Chain
Works on Ethereum, Base, and Arbitrum. Switch networks instantly. Lower gas fees on L2s save you even more.
FAQ

Questions answered

Is my crypto safe?+
Your crypto is deposited into Aave or Morpho's audited smart contracts — not into RefiFi. These protocols hold billions in TVL. However, DeFi involves smart contract risk and liquidation risk if prices drop significantly.
What happens if ETH price drops?+
If your collateral value falls, your health factor decreases. If it drops below 1.0, your position can be liquidated. RefiFi emails you at health factor 1.5 and 1.2 so you can add collateral or repay before that happens.
Do I have to pay back the loan?+
Yes — you owe the borrowed USDC plus interest. Unlike a credit card there's no monthly minimum. Interest accrues continuously and you can repay any time by returning USDC to Aave or Morpho directly.
How does RefiFi make money?+
RefiFi charges a 0.25% origination fee on the borrowed amount. This is shown transparently in the review screen before you confirm — and goes directly to RefiFi's treasury wallet on-chain.
Which wallets are supported?+
MetaMask, Coinbase Wallet, Rainbow, and any WalletConnect-compatible wallet. Mobile wallets can connect via QR code scan.
Is this available in the US?+
The DeFi borrowing part is available globally. The fiat off-ramp through Ramp Network and Transak supports the US, EU, and 140+ countries.
About RefiFi

Built to fix a broken system.
Powered by DeFi.

Banks charge 22% while blockchain protocols lend at 2%. RefiFi exists to close that gap — putting the power of DeFi in the hands of everyday people who carry high-interest debt.

Our Mission

Make DeFi borrowing accessible to everyone with debt.

The average person pays $3,000+ per year in unnecessary credit card interest. That money should stay in their pocket — not go to a bank. RefiFi makes it simple for anyone with crypto to access institutional-grade borrowing rates.

Our Vision

A world where your assets work as hard as you do.

Crypto holders should not have to choose between holding their assets and fixing their finances. RefiFi unlocks the value sitting in your wallet — letting you pay off high-interest debt while keeping every bit of the upside.

$50B+
TVL secured by our partner protocols
140+
Countries supported via Ramp and Transak
5 min
From wallet connect to cash in bank
0.25%
The only fee RefiFi ever charges
Get In Touch

We're here to help

Email Us

Got a question or need help with your position? Email us directly.

hello@snppyfl.com
Help Center

Step-by-step guides, FAQs and tutorials on how to use RefiFi safely.

Browse Help Articles
Community

Join other crypto holders using DeFi to escape high-interest debt.

Twitter / XGitHub

Stop paying 22%.
Start today.

Non-custodial. No credit check. 5 minutes. Join crypto holders using DeFi to escape high-interest debt.

Launch RefiFi

Non-custodial · Your keys, your crypto · Not financial advice