What Ready does

Ready (legal entity: Argent Labs Limited) is a London-headquartered, remote-first crypto neobank founded in 2017. It provides a self-custody smart wallet built on Starknet, an Ethereum Layer 2 blockchain, enabling users to hold their own private keys and control digital assets without intermediary custody. The company's product surface spans three core lines: the Ready App (mobile wallet organized into Cash, Invest, and Borrow sections), the Ready Card (a Mastercard-branded debit card available in a $120/year Metal tier with 0% FX fees and a free Lite tier with 1% FX fees), and Ready Wallet (a desktop and mobile DeFi wallet, formerly Argent X, with over 2 million downloads). Supporting modules include Bitcoin staking (where Ready operates as the largest Bitcoin staking validator at 1,280 BTC), BTC-backed loans via Vesu, perpetual trading via Extended, Ready Rewards loyalty points, Ready Travel bookings, and fiat bank deposits via Due Network covering 150+ countries.

The company has raised approximately $56 million across three disclosed rounds: $4M seed (2018), $12M Series A led by Paradigm (2020), and $40M Series B led by Fabric Ventures and Metaplanet (April 2022). Ready monetizes through an annual Metal subscription (120 USDC), 1% FX fees and 2% ATM fees on the Lite tier, $6.99 physical card shipping, Mastercard interchange economics, and card spend cashback ($750K+ paid in 2025). The customer base is predominantly long-tail retail consumers acquired via product-led growth, self-serve mobile app downloads, and a tiered referral program; enterprise adoption exists through Binance, Kraken, and OKX using Ready's smart contract infrastructure. By end of 2025, the platform reported $20M in total card spend across 120+ countries and 5,000+ Metal members. The company rebranded from Argent to Ready in 2024 to reposition as an "onchain alternative to your bank."

Name

Ready

Legal name

Argent Labs Limited

Website

https://ready.co

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Ready (formerly Argent) is a London-based crypto neobank offering a self-custody Starknet wallet and Mastercard debit card that lets global retail users spend USDC, earn yield on Bitcoin, and borrow against crypto without intermediary custody.

Ownership category

akta.pro rank

Product category

Crypto Neobank / Digital Wallet

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)

akta.pro primary industry

Smart Contract Wallets / Account Abstraction (MPC/AA, social recovery, paymasters) (FSAPACAB)

akta.pro secondary industries

Self-Custody Wallets (Consumer & Institutional) (FSADACAE), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

Keywords

• Self-custody crypto wallet
• Crypto debit card
• Bitcoin staking
• Mobile payment app
• Digital asset management

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Ready Metal Subscription: Premium tier subscription at 120 USDC per year, offering 0% FX fees, fee-free ATM withdrawals up to $800/month, and exclusive perks and partner benefits.
2. Ready Lite Physical Card Shipping: Free virtual card; physical card available for $6.99 shipping fee.
3. ATM Withdrawal Fees (Lite): Ready Lite users pay 2% fee on all ATM withdrawals.
4. FX Fees (Lite): Ready Lite charges 1% FX fee on card transactions outside the card's native currency.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Ready provides a self-custody smart wallet mobile application built on Starknet (Ethereum Layer 2) that lets users hold, grow, and spend their cryptocurrency without intermediary custody. The product includes a Mastercard-branded debit card (Metal and Lite tiers) that enables users to spend USDC globally, plus Bitcoin staking, BTC-backed loans, perpetual trading, and fiat bank deposit on-ramps. Ready positions itself as the crypto alternative to a traditional bank, with users retaining full control of their private keys.

Product overview

Ready is a crypto neobank offering a unified platform for managing digital assets. The core products include the Ready App (mobile self-custody wallet for everyday banking needs), the Ready Card (Mastercard debit card for spending USDC globally in Metal and Lite tiers), and Ready Wallet (desktop/mobile wallet for crypto natives). Supporting modules include Ready Rewards (loyalty points), Ready Travel (booking), Bitcoin Staking and BTC-backed loans, Perps Trading, and SPOK NFTs. The platform operates on Starknet blockchain with full self-custody, enabling users to spend, invest, borrow, and earn yield from their crypto.

Differentiator

Problem solved

Functional benefit

Brands

• Ready Metal: Premium 16g metal debit card with 0% FX fees, up to 3% cashback in points, fee-free ATM withdrawals up to $800/month, and exclusive partner perks.
• Ready Lite
• Ready Rewards
• Ready Travel
• Ready Wallet
• SPOK
• Ready Card

Products and services

• Ready App Self-custody mobile wallet application enabling users to control, grow, and spend their crypto. Offers fiat deposits, crypto purchases, staking, card spending, and BTC-backed loans in a unified interface.
• Ready Card Self-custody Mastercard debit card allowing users to spend USDC anywhere Mastercard is accepted globally. Available in Metal (premium, 0% FX, $120/year) and Lite (free, 1% FX) tiers with metal and plastic card options.
• Ready Metal Premium tier of the Ready Card featuring a 16g metal card (available in gold or platinum), 0% FX fees, up to 3% in Ready Rewards Points, $800/month fee-free ATM withdrawals, exclusive partner perks, and Ready Travel benefits.
• Ready Lite Free tier of the Ready Card with essential features, 1% FX fees on card transactions, and 2% ATM withdrawal fees. Physical card ships for $6.99.
• Ready Wallet

Quantifiable outcome

• Earn up to 9% yield on Bitcoin, ETH, and USDC
• +6 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core.

• KulipacoreTechnology or IntegrationKulipa is Ready Card's regulated card-issuing service provider. They handle ID verification and enable Ready to issue Mastercard-branded debit cards funded by USDC stablecoin balances. Kulipa raised $6.2M seed funding in April 2026 from Flourish Ventures and 1kx, with Ready as one of 20 clients including Flutterwave and Solflare. The partnership experienced a service disruption in June 2026 when Kulipa restricted non-EEA transaction flow, affecting Ready users outside Europe.
• Due NetworkcoreTechnology or IntegrationDue Network enables Ready users in 150+ countries to send bank deposits directly to their Ready accounts in 5 major currencies, facilitating fiat on-ramp without requiring exchange accounts.
• LayerswapcoreTechnology or IntegrationLayerswap integration enables users to easily bridge assets from any wallet, exchange, or blockchain to Ready, improving the onboarding and fund transfer experience.
• VesucoreTechnology or IntegrationPartnership with Vesu enabled Bitcoin-backed loans, allowing Ready users to borrow against their BTC holdings and spend USDC without selling their Bitcoin.
• MastercardcoreTechnology or IntegrationMastercard is the payment network partner enabling the Ready Card to be accepted at over 100 million merchants globally. The card uses official Mastercard exchange rates without markups.
• StarknetcoreTechnology or IntegrationReady is built on Starknet, an Ethereum Layer 2 blockchain that provides high-speed, low-cost transactions. Ready is the no.1 wallet on Starknet with over 2M downloads. Starknet aims to become the first blockchain to settle on both Bitcoin and Ethereum.
• Starknet FoundationcoreStrategic or Co-development PartnerStarknet Foundation and Argent (Ready) formed a startup studio partnership to support ecosystem development. The Foundation is distributing 100 million STRK in BTCFi rewards to users who borrow, lend, and provide Bitcoin liquidity on Starknet through Ready.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Exodus: Multi-chain self-custody wallet with built-in exchange, staking, and a card. Direct peer in the consumer multi-chain self-custody wallet and crypto debit card space.
• Crypto.com: Major crypto exchange and card issuer offering a Visa debit card, self-custody wallet, staking, and lending. Most direct competitor in the crypto card and neobank category with far larger user base and card volume.
• Coinbase: Largest US crypto exchange offering Coinbase Card, self-custody wallet, staking, and on-chain products via Base L2. Direct competitor in the consumer crypto card and self-custody wallet space.
• Binance: World's largest crypto exchange with Visa debit card, custodial and self-custody options, and a licensee's relationship with Ready's smart contract technology. Competitor in crypto card and exchange.
• Safe (formerly Gnosis Safe): Leading smart contract wallet on Ethereum, focused on multisig and account abstraction for self-custody. Direct peer in the smart contract wallet / account abstraction category, though more institutional-focused.
• MetaMask: Largest self-custody wallet by users, with a Card program in select markets and integrated staking/swap. Competes in the self-custody wallet and now crypto card space on EVM.
• Trust Wallet: Multi-chain self-custody wallet owned by Binance, supporting swaps, staking, and a Visa card in EEA. Direct peer in the consumer self-custody wallet and crypto card category.
• Phantom: Leading self-custody wallet on Solana with multi-chain support, swaps, staking, and perps. Direct peer in the smart, mobile-first self-custody wallet experience.
• BitPay: Crypto payments platform issuing Mastercard debit cards and merchant payment processing. Direct peer in crypto card issuance and stablecoin payment infrastructure.
• Bybit: Major crypto exchange offering a Mastercard debit card, self-custody wallet (Bybit Web3), and DeFi products. Direct competitor in the crypto card and self-custody wallet space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ready_co
• GitHubgithub.com/argentlabs
• YouTubeyoutube.com/@readyco

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds3 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ready