Deblock offers upgraded savings accounts for Euro and USD

Deblock is a French fintech that merges the convenience of a full current account (IBAN, Visa debit card) with the security of a non-custodial crypto wallet. While it offered users seamless fiat–crypto interoperability, it lacked a native way for customers to earn attractive onchain yield directly within the Deblock app.

Deblock’s mission is to deliver financial sovereignty without counterparty risks. Existing yield options in the market often relied on centralized intermediaries, creating misalignment with Deblock’s self-custody ethos. To expand beyond payments and exchange, Deblock sought a yield solution that was non-custodial, compliant, and easy-to-integrate for its app.

Deblock integrated Morpho Embedded Earn to power in-app yield on stablecoins like USDC and EURC, giving users direct access to onchain returns with just 2-3 taps in the Deblock app.

Within a few days, Deblock successfully integrated several Morpho Vaults for USDC, EURC, and ETH yield (curated by Steakhouse and Gauntlet) and launched to its entire user base. The plug-and-play nature of Morpho’s infrastructure simplified integration, allowing Deblock to focus on optimizing user experience. As a result, users don’t need to understand any DeFi complexities. The interface is streamlined, and Deblock employs account abstraction for each customer, ensuring users maintain control over their accounts while all deposits into Morpho remain auditable onchain. This approach enables Deblock to offer a simplified user experience while upholding its self-custody philosophy and regulatory compliance.

Users can deposit stablecoins through Deblock and earn yield immediately—as seamlessly as sending payments or topping up their accounts. This integration significantly lowers the barrier to DeFi benefits without introducing unnecessary complexity.

With Morpho, Deblock is able to evolve from a crypto-enabled neobank into a holistic app competing with the best Fintechs out there, combining fiat, crypto, and yield. Customers can now receive salaries in fiat, swap into stablecoins, and earn onchain yield — all from within Deblock’s secure, simple interface.

This newly added capability strengthens user engagement, turning Deblock into a daily financial app rather than just a payment or custody solution. It also opens new monetization streams for Deblock, as each user action — from card top-ups to deposits into Morpho — contributes to recurring revenue.

Since launch, Deblock has seen rapid adoption of the earn feature and millions of Euros are now deposited into Morpho via the app, validating its strategy of marrying traditional finance usability with DeFi’s noncustodial advantages. With Morpho as its onchain yield layer, Deblock is positioned to expand into more assets and chains, further cementing its role as the bank account of the future.