Ready
Argent pioneered smart-account wallets and social recovery; rebranded to Ready to become an onchain bank.
Formerly Argent; card suspended Jul 2026 — issuer Kulipa wound down.
- Who holds it
- You do. Funds sit on-chain in a wallet the company cannot freeze.
- The ledger
- The blockchain — no company keeps the authoritative record.
- If it fails
- Nothing on the company side to fail; but lose your keys and the money is gone for good.
Derived from Ready’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | web3-native |
| HQ | London, UK |
| Founded | 2018 |
| Custody | Self-custodial |
| Regulation type | Self-custodial software |
| License detail | Self-custodial software; card via Kulipa (non-EEA cut Jun 2026; issuer wound down Jul 2026) |
| Card | Visa · Metal + virtual |
| Cashback | 3% in STRK |
| Yield | Staking + BTCFi |
| Stablecoins | Yes |
| KYC | Card only |
| Active regions | North America, Europe, Latin America, Africa, MENA, Asia, Oceania |
| Countries | United Kingdom, European Union, Global |
| Founders | Itamar Lesuisse, Gerald Goldstein |
| Funding | ~$50M raised (as Argent) |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @ready_co ↗
Common questions about Ready
What is Ready?
Ready is a self-custodial, on-chain-first neobank, headquartered in London, UK and founded in 2018. You hold the keys: Ready never takes custody of your funds. It is software rather than a licensed institution (Self-custodial software; card via Kulipa (non-EEA cut Jun 2026; issuer wound down Jul 2026)).
Does Ready have a card, and where can you use it?
It issues a Visa metal and virtual card, and identity checks apply to the card but not to the wallet. It is available in 3 countries, across all 7 world regions tracked here.
Does Ready require KYC?
Partly. You can use Ready itself without verifying your identity, but ordering its card requires KYC.
What does Ready cost?
From the verified fields: cashback 3% in STRK; yield Staking + BTCFi. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Ready before relying on them.
Peers
Phantom · Zengo · MiniPay · Eco (Beam) · Dakota · MetaMask
Ready appears in
Neobanks that never hold your money (53) · Neobanks where only the card requires ID (33) · Neobanks available in North America (126) · Neobanks available in Europe (144) · Neobanks available in Asia (132) · Neobanks available in Oceania (72) · Neobanks available in Latin America (113) · Neobanks available in Africa (92) · Neobanks available in MENA (85) · Neobanks that issue a Visa card (182) · Neobanks in United Kingdom (29)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.