DaffiOne: Building a Non-Custodial Finance Future
- DaffiOne Writer
- Mar 28
- 4 min read
Updated: 3 days ago

In a world where banking plays such a crucial role in our everyday lives and determines access to growth opportunities, banking services remain a critical hurdle for many.
Globally, billions of people are prevented from benefiting from the digitalization of the economy due to location, low income, and many other factors.
The rollout of DaffiOne Merchant marks a significant milestone for us, as well as the everyday use of blockchain-based services and the universal availability of digital banking services.
DaffiOne Merchant allows any digital assets stored in blockchain-based accounts to be used to purchase goods & services everywhere, every day.
With Remit and Payroll rolling out in summer 2025, non-custodial finance becomes an efficient and practical alternative to traditional banking services.

What is Non-Custodial Finance?
The answer is straightforward: it doesn't require custodian banks and centralized service providers to work.
Instead, individuals and businesses perform the transactions themselves, account-to-account, using blockchain-based accounts and technological tools that are easy to learn.
Non-custodial finance doesn't involve gatekeepers deciding who can benefit from the services; it allows everyone everywhere to access high-quality services.
Since there is no need for intermediaries or centralized services, it significantly lowers costs, enhances privacy, reinforces security, and control over one's money never passes to a custodian and always remains with the owner of that money.
What is the benefit of having no custodian in finance?
It empowers individuals and businesses by giving them more control, and it reduces their spending on banking services.
It breaks down traditional banking inclusion and fee barriers.
It offers everyone high-quality, secure, efficient, and low-cost financial services, regardless of location or financial status.
Whether you are an individual or a business, regardless of where you are located, you stand to benefit from adopting non-custodial finance solutions for your everyday financial transactions.
DaffiOne Modules: Wallet, Pay, Remit, and Payroll
We support a wide range of transactions through our non-custodial finance modules:
Wallet enables users to create blockchain-based accounts to send and receive digital currencies. It also allows for converting digital currencies, stablecoins, cryptocurrencies, or tokenized assets. The Wallet supports conversions between traditional and digital currencies and debit cards. The new upcoming non-custodial finance version of the Wallet adds support for currency accounts and debit cards.
Pay allows the use of digital currencies to make payments to merchants everywhere, from street vendors to large corporations. Becoming a DaffiOne Pay merchant is easy and universally accessible. Merchants can keep the digital currency received or request conversion to a traditional currency for deposit into their bank account.
Remit enables DaffiOne users to deposit or withdraw funds at Remit-participating merchants, providing a crucial service in areas with limited access to ATMs or lacking a banking infrastructure. Remit is not intended for regions with easy access to pay by bank card and ATM, as existing services generally meet users' needs.
Payroll allows employers to pay their employees in digital currencies. The digital currency received by the employee can be converted to traditional currencies at a Remit-participating merchant, used in purchases at Pay-participating merchants, or sent using the DaffiOne Wallet.

Regulatory Compliance
DaffiOne places a high priority on ensuring that all its solutions are fully compliant with global financial rules. Pay and Wallet services comply with all applicable regulations, including Europe MiCA and PSD2. Remit services also meet all necessary regulatory requirements.
All DaffiOne solutions adhere to stringent Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) rules and meet regulatory requirements.
DaffiOne non-custodial finance solutions use users' self-custodial accounts and do not involve custodial services or centralized exchanges.
Safewire integration makes converting between blockchain-based digital currencies and traditional currencies in a bank account easy. Safewire Payments Ltd is a Canadian licensed Money Services Business (FINTRAC M23442840) and an authorized cryptocurrency service provider.
Toward a Unified Banking Future
Ultimately, the DaffiOne solutions are built on the age-old vision of a unified, global, low-cost and universally available, to everyone, banking system that supports everyone's needs and provides equal financial opportunities to everyone, everywhere.
Non-custodial finance addresses inequalities in access to financial services while unlocking significant economic growth opportunities for everyone.
What's Coming Next to DaffiOne
While the Pay solution is rolling out, and we are completing the Remit and Payroll solutions, we are also working on a non-custodial banking version of our Wallet.
It features a simplified interface for individuals who want to join the non-custodial finance movement but lack blockchain experience. With a focus on the users' everyday needs, its user interface makes mastering non-custodial finance easy.
The new Wallet takes full advantage of the combined functionalities of the Pay, Remit, and Payroll solutions, and integrates Safewire currency & debit card services. With our new Wallet, anyone, anywhere, can start using non-custodial finance within minutes!
Thank You to Our Users
We sincerely thank our users for their continued support throughout the DaffiOne development and testing phases. It took five years to bring our vision to life, and we are excited to enter the go-to-market stage.
The support we've received from our users has been invaluable. With their assistance, we look forward to further expanding our reach and empowering people globally with non-custodial finance solutions.
The non-custodial finance journey has just begun, and being part of the movement is easier than ever. Take control of your finances with DaffiOne and experience non-custodial finance firsthand..
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