About Neovestor
Neovestor is a non-custodial money app for iPhone, coming soon. In one account, you can earn a variable on-chain rate on your dollars, buy tokenized US stocks and ETFs (including a gold ETF) issued by xStocks, and hold major crypto. Only you can approve transactions, and Neovestor can't access your keys. A card is planned for eligible regions.
What Neovestor is
Neovestor is a non-custodial interface: a way to see and use your own wallets, and the products of third-party issuers and protocols, in one place. When you sign in, Neovestor creates embedded wallets on Solana and Base that only you control. There is no seed phrase to write down, and Neovestor never holds, derives or exports your keys. The risks of holding assets this way are set out in the risk disclosures.
On Solana, trades, earn deposits and sends are covered within fair-use limits. A fee payer adds its signature only after Neovestor's Transaction Guard checks that the transaction is exactly the one you approved. On Base, network fees are sponsored where available. Some cross-chain transfers carry a small network or forwarding fee, and every fee is shown before you confirm.
What Neovestor is not
- Not an issuer. Every asset in the app is issued by a third party under its own terms. Each asset screen names its issuer, links its terms and shows its country restrictions.
- Not a custodian. Your assets sit in wallets you control, not in an account Neovestor operates.
- Not an adviser. The app shows information. Copilot, the AI assistant, explains your portfolio and the assets, and never tells you what to buy or sell.
Who issues what:
| Issuer or protocol | Role | What it provides in Neovestor |
|---|---|---|
| xStocks | Issuer (legal issuer: Backed Assets (JE) Limited) | Tokenized US stocks and ETFs, including a gold ETF (NVDAx, TSLAx, AAPLx, MSFTx, SPYx, GLDx) |
| Jupiter Lend | Lending protocol | Cash, the USDC balance that earns |
| Maple | Issuer | syrupUSDC |
| Ondo | Issuer | USDY |
| Circle | Issuer | USDC and CCTP transfers between Solana and Base |
| Tether | Issuer | USDT |
| Coinbase | Issuer | cbBTC (Bitcoin on Solana) |
| Wormhole | Bridge protocol (wrapped token) | ETH (Ethereum on Solana) |
| Jupiter | Issuer | JUP |
How we build
Every action that moves money follows the same five steps.
- Quote: you see the price and every fee before anything happens.
- Review: one screen shows the asset, its issuer, the amount and what you receive.
- Confirm: you approve with Face ID or your PIN.
- Sign: your embedded wallet signs. Neovestor can't sign for you.
- Track: the app follows the transaction until it is final, and tells you if it fails.
Quotes expire after about 30 seconds and must be refreshed before you can confirm. Rates on Cash and the earn products are variable and set by the protocols and issuers behind them. We write plainly about risk: on-chain assets carry market, issuer, smart-contract and liquidity risk, and you can lose money.
Availability
Neovestor is coming to iPhone, in English, for eligible users. It is not available to:
- US persons, for restricted assets
- people in sanctioned jurisdictions
- anyone under 18
Each asset can carry its own country restrictions, which are shown before you buy. The card is planned: it will be offered in eligible regions only, and applying needs identity verification. Join the waitlist on neovestor.com.
Key facts
- Non-custodial: signing in creates embedded wallets on Solana and Base. Only you can approve transactions, and Neovestor can't access your keys: its servers never hold, derive or export them and never sign as you.
- Network fees: on Solana, trades, earn deposits and sends are covered within fair-use limits. A fee payer adds its signature only after Neovestor's Transaction Guard checks that the transaction is exactly the one you approved. On Base, network fees are sponsored where available. Some cross-chain transfers carry a small network or forwarding fee, and every fee is shown before you confirm.
- Every money move follows the same steps: quote, review, confirm with Face ID, sign, then track to final. Quotes expire after about 30 seconds.
- Stocks: tokenized US stocks and ETFs, including a gold ETF (GLDx), issued by xStocks (NVDAx, TSLAx, AAPLx, MSFTx, SPYx and GLDx). Outside US market hours spreads can be wider, and trading pauses briefly around corporate-action updates.
- Earn: Cash (USDC lent through Jupiter Lend), syrupUSDC (Maple) and USDY (Ondo). Rates are variable and set by those protocols and issuers.
- Crypto: a curated list including Bitcoin (cbBTC), Ethereum, Solana and Jupiter. Unknown tokens sent to your wallet stay hidden under Unverified tokens.
- Deposits: USDC or USDT on Solana or Base. USDC moves between Solana and Base with Circle CCTP.
- Card (planned): funded from your Cash balance and offered in eligible regions through a card-issuing partner. Identity verification is required to apply.
- Community: holder badges are opt-in and read from on-chain balances. Copilot, the AI assistant, explains your portfolio and assets but never tells you what to buy or sell.
- Availability: iPhone, in English, for eligible users. Not available to US persons for restricted assets, in sanctioned jurisdictions, or to anyone under 18. Each asset can carry its own country restrictions.
- Neovestor is a software interface. Assets are issued by third parties under their own terms; Neovestor is not an issuer, a custodian or an adviser.
- Status: coming soon to iPhone. Join the waitlist on neovestor.com.
Contact
Questions, corrections or partnership ideas: hello@neovestor.com. A person reads it.