What bothers you most?
A.
The system is not working anymore.
B.
Banks are slow and expensive, and they take from you.
C.
I've worked so hard and the money still hasn't come.
D.
I know there is more, but I've been burned before.
That is what we are all concerned about.
On-chain finance and a decentralized bank.
Deobanking: The Next Evolution in Finance
The frontier of decentralized, AI-powered banking infrastructure.
For information only. This presentation is not financial advice. Crypto carries risk, so do your own research before taking part.
The Board and Leadership Team
People from Tether, NBAD Private Bank (Suisse), QNB, Wise, Visa, Bybit and Bitpanda.
BOARD OF DIRECTORS
Reeve Collins
Chairman
Co-founder and first CEO, Tether
Maksym Sakharov
Group CEO
Founder, Whitemark; co-founder, EXFLOW
Khaled Suleiman
Board member
Former CEO, NBAD Private Bank (Suisse) and QNB (Switzerland)
EXECUTIVE TEAM
Roman Rossov, Chief Product Officer · former product leader at Wise
Michael Batuev, Global Head of Payments · former Visa payments leader
Henry Kukk, CTO · ex-Bertelsmann
Kerel Verwaerde, CMO · ex-Bybit, Bitget
Sathya Partha, Design Director · ex-Bitpanda
Ricky Rose, VP Customer Success · ex-Blockchain.com
Artem Dushkin, Creative Director · ex-Park Production
Source: wefi.co/about (October 2026), checked against public records
Reeve Collins, Chairman
OWNER PROFILE
A serial founder who helped pioneer stablecoins as Tether's co-founder and first CEO, now chairing WeFi as it builds licensed partnerships for onchain banking.
2013–2015
Co-founded Tether and served as its first CEO
2015–2018
Co-founder and CEO of BLOCKv, programmable digital objects (NFTs)
2019
Co-founded SmartMedia Technologies; it reports Web3 campaigns for PepsiCo and Verizon
2025
Chairman and co-founder of the STBL stablecoin protocol
Now
Co-founder and Chairman of WeFi; WeFi's public face for the Visa collaboration (April 2026)
Earlier career
Early employee at Avenue A (later Avenue A | Razorfish). Co-founded the ad network Traffic Marketplace (later part of Vivendi Universal via Uproar), led the branded-content studio Red Lever within Adconion Media Group, and co-founded Pala Interactive (acquired by Boyd Gaming for $170M in 2022). Studied Marketing & Finance at Washington State University.��Why it matters to your team: people already trust the Tether name. Reeve gives newcomers a recognisable, verifiable anchor.
Maksym Sakharov, Group CEO
OWNER PROFILE
The operator who turned the deobank idea into a working app that WeFi says is used in 80+ countries.
2011
Completed his MBA in Ukraine; began in software and fintech
2015
Co-founded Aeon Labs, building fintech and blockchain products
2020
Founded Whitemark, a blockchain real-estate platform backed at pre-seed by 500 Startups
2021
Co-founded EXFLOW, a European OTC crypto exchange
2024
Co-founded WeFi as Group CEO; deobank app launched publicly in early 2025
In his words
"Users still had to move between disconnected products, separate balances, technical crypto workflows, and limited payment access." (Interview with TechBullion, July 2026)��Track record at WeFi: WeFi holds the Guinness World Records title for most viewers of a blockchain live stream on YouTube (121,348, Dubai, 30 May 2025). Coverage in Forbes and CoinDesk.
The Business Model
B2B Infrastructure First
WeFi is not retail-dependent. It licenses banking infrastructure to banks, fintechs and payment providers who launch their own Deobanks on WeFi's rails.
Deone: WeFi's Own Consumer App
The flagship Deobank built on the same rails, showing partners and members what onchain banking looks like day to day.
Community at the Core
Half of platform earnings are shared with the community, so the people who build the network share in it.
The Visa Partnership
× WeFi
Partnership announced 28 April 2026
Official Announcement: 28 April 2026
Visa announced its partnership with WeFi to build onchain banking infrastructure, closing what both companies call "the last half mile" of onchain banking.
140M+ Merchants Worldwide
WeFi and Deone cardholders gain access to Visa's global merchant network. Zero FX fees. Full custody. Full sovereignty.
WeFi's Head of Payments, Michael Batuev, previously worked at Visa.
Current Traction
350K+
People
Using WeFi and Deone worldwide
80+
Countries
A truly global community
$700M+
Total Volume
Moved through the platform to date
Real users. Real volume. A working product, not a promise.
Figures as reported by WeFi, October 2026.
Why WeFi Wins
1
First Mover
WeFi launched the first Deobank in 2025 and leads the category.
2
Visa Partnership
Existing global payment networks drive adoption from day one.
3
Community Ownership
A decentralised model that fosters loyalty and resists capture.
4
Purpose-Built Technology
Engineered for compliance and scale from the ground up.
Regulatory & Compliance Strategy
Native Compliance Architecture
WeChain has compliance built into its core from the ground up.
Strategic Partnerships
Collaboration with regulated players such as Visa and institutional banks.
Multi-Jurisdictional Roadmap
A defined plan for obtaining licences across regulatory regions.
Institutional Collaboration
Working with regulators and institutions rather than around them.
The Phases of WeFi
THE ROAD SO FAR AND AHEAD
From building the foundations to Deone and beyond. Each phase opens new ways to take part.
PRE-LAUNCH · 2024–2025
The Foundations
The $WFI token launched in November 2024, and the community began to grow.
PHASE 1 · UNTIL 31 DEC 2026
Ownership
ITO units mine $WFI and unlock bonus Suite months. Gift Certificates give you an ownership stake in WeFi. Both close on 31 December.
PHASE 2 · FROM 1 DEC 2026
Deone and AI
The full Deone launch: Suites, tokenized cards and the Vault. AI brings smarter banking, from behavioral credit scoring to fraud detection.
FURTHER PHASES
RWA and Beyond
Tokenized real-world assets (RWA), more Deobanks launched on WeFi's rails, and new opportunities as markets open.
Future phases describe WeFi's plans and may change. Not financial advice.
$WFI: Owned by the Community
THE TOKEN BEHIND THE NETWORK
$WFI is the token at the heart of WeFi. It's designed for long-term alignment between the platform and the people who use and build it.
100% Community-Owned
Bitcoin-inspired fair distribution. No insider pre-mine.
Mined, Not Pre-Allocated
ITO units mine $WFI inside the app, continuously until 2032.
Cloud Mining in Deone
Everyday Deone payments build Cloud Power that mines $WFI automatically.
Shared Success
Half of platform earnings flow back to the community.
Crypto carries risk. Not financial advice.
From the Deone Executive Suite
REAL ACCOUNTS · REAL EXAMPLES
Gift Certificates.
Three Starting Points
Each Gift Certificate is part of your ownership stake in WeFi. In the app you can see how many you own, plus a "Potential Value" screen showing what they could be worth if WeFi reached the valuation of companies in different market categories.
STARTING SMALL
$250 worth of Gift Certificates
Even a small first step gives you a real ownership stake, and the same Potential Value screen.
Reading these numbers: the dollar figures are the app's hypothetical scenarios, not forecasts or promises.
9,955 Gift Certificates
An early, modest position
122,851 Gift Certificates
A larger position
DEONE SUMMARY · BOOK 1
Onchain Banking
One account that holds, moves and converts fiat and crypto under a single balance. Start with Lite Access, or step into a Deluxe, Prestige or Executive Suite.
The Onchain Banking Account
Fund and withdraw via SEPA, SWIFT, Open Banking, crypto and regional rails such as PIX and SPEI. Zero-fee FX at a fair market rate, plus local currency reserves.
The Vault and Physical Key
Cold storage only you can access. A 0.3 mm steel key signs each withdrawal with your PIN. Built for savings, inheritance and generational wealth.
The Deone Cards
Polymer (Deluxe, Visa Platinum), metal (Prestige, Visa Signature) and ceramic metal (Executive, Visa Infinite). No printed number, CVV or expiry: every tap is tokenized.
The Payment Bracelet
Included with Executive. A waterproof ceramic NFC wearable that pays anywhere contactless works. No phone, no card, no charging.
Summary of "Deone: Introducing Onchain Banking" (Book 1). Check the Deone app for current terms.
DEONE SUMMARY · BOOK 2
Rewards Hub
Deone's growth engine. Every time a member spends, travels or banks with Deone, that activity flows into connected rewards programs. No money in. Value out.
Better Life Rewards™
A yearly package of points for hotels, wellness, travel, eSIMs, insurance and lounges. Welcome Offer from 2,000 (Deluxe) to 25,000 (Executive), plus a Momentum Offer.
Mining Supercycle Rewards™
Every $1 spent earns Cloud Power (up to 3 CP for Executive). At 200 CP a Miner switches on and earns Mining Points that become $WFI.
Achievements and Challenges
Extra points every day. World Traveler pays 300 for using the card in three countries in one day; Weekend Getaway pays 100 for a Friday-to-Sunday hotel stay.
Rewards Booster
A daily, weekly and monthly game on the Bitcoin price, played only with Mining Points already earned.
Spend → Cloud Power → Miner → Mining Points → $WFI. Points-based rewards, not financial advice. Values as printed in Book 2.
DEONE SUMMARY · BOOK 3
Wellness Club
Where members spend their life, not just their money: tours, hotels, healing retreats, lounges, gyms, insurance, eSIM and a private concierge, at member rates.
Better Life Tours
Curated group journeys. You pick the destination, Deone handles hotels and logistics. Referred friends earn Tour Credits toward the next trip.
Hotels and Health & Healing
Wholesale hotel rates passed straight through, plus a vetted collection of wellness hotels and medical resorts, from Switzerland to Japan.
Everyday travel perks
1,400+ VIP lounges and 200+ Fast Track lanes, Fitness Worldwide, built-in travel insurance and an eSIM for 149 countries.
Private Concierge
A 24/7 concierge inside the app for Executive Suite members. One message, handled completely.
Summary of "Deone Onchain Banking, Book 3: Wellness Club". Check the Deone app for current availability and terms.
Your Window to Own a Part of WeFi
Using Deone is open to everyone. Owning a piece of WeFi has a deadline.
1
ITO Units
Mine $WFI inside the app, and count toward bonus months of Deone Suite membership.
2
Gift Certificates
Your ownership stake in WeFi's core technology.
3
Deadline: 31 December 2026
After this date ITO units and Gift Certificates can't be bought. Your account, Deone access and referral program continue.
Crypto carries risk and ITO activations can't be reversed. Only commit what you're comfortable with. Not financial advice.
LIMITED OFFER · UNTIL 31 DECEMBER 2026
ITO Units Unlock up to +12 Months of Deone Suite
Your all-time total of ITO units now unlocks bonus months of Deone Suite membership, added on top of your Suite when it launches. The bonus counts units bought with a 5-year commitment.
+3
BONUS MONTHS
5,000 USDT in ITO units
+6
BONUS MONTHS
10,000 USDT in ITO units
+12
BONUS MONTHS
20,000 USDT in ITO units
Everything counts
Every unit you have ever committed counts, including new buys and upgrades.
One gift per total
You get the gift for the highest tier you reach.
Choose your Suite
Executive, Deluxe and Prestige all qualify.
Every ITO purchase also gives you active mining power ($WFI) and Gift Certificates, your ownership stake in WeFi.
Activating ITO units can't be reversed and crypto carries risk. Only commit what you're comfortable with. Offer details from WeFi's 17 Sep 2026 announcement; check current terms in the app. Not financial advice.
DEONE LAUNCH · SUMMARY
Key Dates for the Next 3 Months
Deone goes from a private launch for Top Ranks to a public launch together with Anakai AI.
11 November 2026 · Private launch
The Deone app opens privately. Top Ranks get first access to the Executive Suite.
1 December 2026 · Placement opens
Placement opens for new KOLs. Secure your referral position with your endorser's promo code before the public launch.
6 January 2027 · Public launch
Deone and Anakai AI launch publicly: from private to public.
November 2026 · Training begins
Deep-dive training on the Deluxe, Prestige and Executive Suites and on Anakai AI.
Summary of the "Deone launch" presentation (Beyond Banking Summit 2026).
DEONE LAUNCH · SUMMARY
Anakai AI and Product Training
Deep-dive training starts in November 2026, for the Suites and for Anakai AI, the assistant for growing your business.
Anakai AI features
Ask for your key metrics, rank progress and team overview. Built to help you build scalable income, with 12 bonuses to earn.
Product training: the Suites
Features and benefits of each Suite (Deluxe, Prestige, Executive), plus pricing and fees, across Onchain Banking, Rewards Hub and Wellness Club.
Track the promotion live
Sign in to the Anakai AI app with your WeFi login to see your Travel Credits and every step of both promotions.
Know who is close
See which partner is closest to the next reward, so you know where to help.
App link will be shared by the MC team.
DEONE LAUNCH · SUMMARY
Deone Wellness Club Tours
A proven tool to build your business: Inner Circle Tours for top performers, Better Life Tours that bring the community together, and Tailored Tours for high-net-worth individuals.
Sri Lanka · Inner Circle Tour
13–17 January 2027. Only 20 seats. Luxury stays, two business masterclasses, a wildlife safari and two helicopters.
More in Sri Lanka
A wellness program in the home of Ayurveda, and local culture: ancient temples, tea country and authentic traditions.
Bali · Better Life Tours
21–25 February 2027. A business kickstart for newcomers and team building for leaders.
Don't miss your chance
The Final ITO Units Sales Promotion runs until 31 December 2026. Be among the first. Be the One.
Summary of the "Deone launch" presentation. Check current terms with your upline or in the app.
FINAL ITO UNITS SALES PROMOTION · 17 OCTOBER – 31 DECEMBER 2026
Two Promotions, One Goal: Earn Your Tour
Your last chance to join ITO sales and earn a place on the Inner Circle and Better Life Tours in January and February 2027.
For Pros: build Qualifiers · Inner Circle Tour (grand prize, only 20 seats)
Qualifiers
Travel Credits
Total Travel Credits
1
2
3
4
5
500
500
6
500
1,000
7
1,000
2,000
8
1,000
3,000
9
2,000
5,000
10
TOUR
12,000
A Qualifier is a member with $25,000 in frontline sales. The 40% rule applies.
For Builders: grow your frontline · Better Life Tours
Frontline sales ($)
Travel Credits
Total Travel Credits
15,000
100
100
17,500
100
200
20,000
200
400
22,500
600
1,000
25,000
TOUR
2,000
Scale your team through regular Better Life Tours.
ITO SALES · YOUR LAST CHANCE
Be among the first.
Be the One.
The Final ITO Units Sales Promotion is open now. Every ITO unit you add works for you in four ways.
1
Mining power
ITO units mine $WFI inside the app.
2
Ownership
Gift Certificates, your ownership stake in WeFi.
3
Bonus Suite months
Up to +12 months of Deone Suite membership.
4
Tours
Travel Credits toward the Inner Circle and Better Life Tours.
Ask me how to check your ITO total and take the next step.
Activating ITO units can't be reversed and crypto carries risk. Only commit what you're comfortable with. Not financial advice.