unflat: European yield app

unflat is the European yield app for everyone. Add money by card or bank transfer and choose how much of it to put to work: that part generates yield every second, and you can watch it in real time. You don't need to know anything about crypto. HOW IT WORKS • Add money: a SEPA bank transfer to a MoonPay virtual account, a card payment through MoonPay or Coinbase, a transfer from your Coinbase account, or USDC sent on the Base network. • You choose what generates yield: cash stays ready to move, the rest generates yield every second and you see it in real time. • Withdraw whenever you want: get euros back in your bank account through MoonPay or your Coinbase account, or send the money to another wallet you control. No lock-up. WHERE THE YIELD COMES FROM The money you put to work goes into Morpho, an open lending protocol, through strategies built by third-party risk teams (today Steakhouse Financial and Gauntlet). Borrowers post collateral worth more than what they borrow, and what they pay to borrow becomes your yield. The rate is variable: the lending market sets it, not unflat. So far in 2026 it has averaged about 5% a year without cover. Past rates do not predict future ones. UNFLAT NEVER HOLDS YOUR MONEY • Non-custodial: your money stays in a wallet only you control. Every transaction needs your signature. • Public record: transactions, yield and cover are visible on the Base blockchain. • Audited: Sherlock reviewed the app's code in July 2026. • Optional cover: on-chain cover from OpenCover and Nexus Mutual, off by default. Covered money gets a slightly lower rate. Cover is provided on a discretionary basis by Nexus Mutual, a member mutual, not as an insurance contract. A 4% deductible applies. WHAT IT COSTS No subscriptions and no unflat fees. Network fees on Base are currently paid by unflat. Third parties may charge fees: MoonPay and Coinbase for card and bank payments, and the lending vaults, whose fees are deducted before the rate is shown. The app shows card and bank transfer fees before you confirm. WHO IT'S FOR People aged 18 or over who live in the EU. The app is in English. IMPORTANT unflat is not a bank, and the money in the app is not covered by any government scheme that guarantees bank balances. The rate is variable and not guaranteed, and you can lose money. Your money is held today in USDC, a dollar stablecoin: the app can show your balance in euros, and its value in euros moves with the EUR/USD exchange rate. unflat can't recover your wallet or access your money, so keep your recovery key safe. unflat S.r.l., Milan, Italy. Born from B4i (Bocconi for Innovation). Terms of Use: https://www.unflat.finance/terms.html Privacy Policy: https://www.unflat.finance/privacy.html Questions? [email protected]