WeFi FAQ

WeFi is the World's First Deobanking Platform (Decentralized On-Chain Deobanking Platform), combining traditional banking services with blockchain technology. You get WeFi Cards accepted at 140M+ merchants, self-custody wallets, global payments, and DeFi (Decentralized Finance) earning opportunities - all while maintaining complete control of your assets. Learn more about WeFi's mission.

WeFi operates entirely on-chain using the WeChain blockchain with AI-powered compliance. You purchase ITO Units minimum participation which automatically mine WFI tokens until 2032. These tokens unlock banking services, staking rewards, and equity participation in WeFi's growth. See the complete getting started guide.

WFI is WeFi's native utility token with a fixed supply of 1 billion (hard cap). It powers the entire ecosystem - reducing fees, providing staking rewards, granting governance rights, and offering affiliate program access. The token uses a halving mechanism every 2 years to create scarcity. Explore WFI token economics.

Yes. WeFi is co-founded by WeFi leadership (Tether co-founder), holds regulatory licenses across 5 jurisdictions, and won Digital Deobanking Platform of the Year 2025. Your funds remain in self-custody wallets - you control your keys and assets at all times. Every transaction is on-chain, transparent, and verifiable. Read verified member testimonials.

WeFi bridges traditional banking (WeFi Cards, fiat on/off ramps, regulatory compliance) with DeFi innovation (self-custody, transparent smart contracts, decentralized governance). Unlike pure DeFi platforms or neobanks, WeFi gives you the best of both worlds - security, legitimacy, and unlimited earning potential without surrendering control of your assets.

Registration takes 2-3 minutes. Visit the WeFi registration page, provide basic information, complete KYC (Know Your Customer) verification for security, and you're ready to start. No credit checks or Deobanking Platform requirements needed.

You need a valid email address, smartphone for KYC verification, and cryptocurrency (USDT, USDC (USD Coin stablecoin), or other supported tokens) to fund your account. Minimum participation starts at Start with any amount to test the platform. Larger participation unlocks more opportunities. Watch setup video tutorials.

Fund your account by depositing supported cryptocurrencies (USDT, USDC, ETH, BNB) directly to your WeFi wallet address. You can also use fiat on-ramps through the platform or purchase crypto on exchanges and transfer. All deposits are instant and on-chain verifiable.

ITO (Initial Token Offering) Mining Units are your entry into WeFi's ecosystem participation system. Each unit you purchase generates WFI tokens automatically every second until 2032. Think of them as self-mining digital assets that require zero maintenance - you own them, they mine for you 24/7/365.

After funding your account, navigate to the ITO section in your dashboard, select the package amount (participation starts), confirm the transaction, and your units activate immediately. Mining begins instantly - no setup, no configuration, completely automated. Watch the step-by-step tutorial.

WeFi offers multiple income streams: ITO Mining Units generate WFI tokens automatically until 2032, stablecoin staking earns up to staking rewards, WFI token staking provides additional rewards, and the affiliate program offers commissions on network growth. You can stack all income sources simultaneously. View the full compensation plan.

WeFi Gift Certificates are shares in the WeFi company itself - not tokens through the mining process. When you purchase ITO Units, you receive opportunities to participate in the WeFi ecosystem.

Stake your earned or purchased WFI tokens directly in the platform to earn competitive APY (Annual Percentage Yield) rewards. Staked tokens remain accessible - you choose your lock period (flexible, 30, 60, 90 days) with higher APY for longer commitments. Rewards auto-compound or can be claimed daily based on your preference.

Access your dashboard to claim ITO mining rewards anytime - they accumulate in real-time. Staking rewards can be claimed based on your chosen schedule (daily, weekly, or at maturity). All claims are instant and on-chain verifiable.

Yes. WeFi operates on self-custody - you control your wallet and assets at all times. Withdraw earned WFI tokens, staking rewards, or stablecoins whenever you choose. The only restriction applies to locked staking periods you voluntarily commit to for higher APY returns.

WeFi's compensation plan offers 7 income streams including direct referral bonuses, network mining participate in opportunities on 3 levels), rank advancement bonuses, and equity share in WeFi Global LTD. minimum participation participation qualifies you. The plan rewards both user growth and personal ITO purchases. See the complete compensation breakdown.

Absolutely. Share your unique referral link and earn participate in opportunities on Level 1 (direct referrals), participate in opportunities 2, and participate in opportunities 3 when fully qualified. Referral earnings are passive - once someone joins through your link, you earn from their activity automatically.

The 4 Algorithmic Rules create a self-stabilizing WFI economy. (1) Systematic Halving: emission rate halves every 2 years, creating progressive scarcity. (2) Mathematical Supply Control: new token blocks only release when Energy levels confirm ecosystem readiness. (3) Algorithmic Amortization: older ITO Units gradually reduce in efficiency, ensuring fair access for new participants. (4) Energy as Proxy Unit: Energy generation signals real product demand before new supply is released. See full WFI tokenomics ←

Daily Farming accrues Energy gradually day by day, with a Time Factor multiplier that grows the longer WFI stays in your account. Advanced Farming commits your WFI for a fixed period (1 to 5 years) and issues 100% of the Energy upfront at the maximum Time Factor for that commitment period. This makes Advanced Farming significantly more rewarding than Daily Farming over the same timeframe. You can also extend your Advanced Farming commitment at any time.

The Loyalty Coefficient (LC) is WeFi's behavior-based credit scoring system. It replaces traditional credit scores with real-time onchain metadata. The AI Orchestration Layer tracks interaction quality, repayment promptness, and long-term ecosystem engagement to build a Trust Profile. A higher LC unlocks access to the Decentralized Credit System (DCS (Decentralized Credit System)) for collateral-free loans, higher credit limits, and lower interest rates - all without paperwork or traditional credit bureau checks.

If you see "Service not available in your region" when accessing the WeFi platform, you need a VPN to bypass the geo-restriction. We recommend Proton VPN: it is 100% free, has no ads, and works on all devices including iOS, Android, Windows, Mac, and as a browser extension. Download it at protonvpn.com/free-vpn, connect to an available server, then access the WeFi registration page. See the full Getting Started guide ←

The Distributed Custody (MPC (Multi-Party Computation)) Wallet is the default operational wallet. It uses Multi-Party Computation to distribute key shares between your device and regulated infrastructure, enabling daily banking - card payments, transfers, and mining - while keeping assets in individual onchain wallets. The Non-Custodial NFC Wallet is a hardware card designed for long-term asset storage. Private keys live on the physical card. Funds only move when you physically tap the card. Neither WeFi nor its partners can access NFC wallet funds.